Florence Finance: Bridging DeFi and Real-World Impact

**Final Day Notice**: Florence Finance's website and front-end interface will cease operations after March 31, 2025. - Users must redeem their Vault tokens and flrEUR from Treasury for EURA - Legacy support will continue but without the familiar website interface - Critical deadline for easy fund withdrawal is approaching *Important*: Take immediate action to secure your assets through the current user-friendly interface while it remains available.

Florence Finance, a Real World Asset (RWA) lending protocol focused on SME funding, has announced its closure following a failed merger attempt. The project's intended partner was delisted from Binance, eliminating key strategic benefits. With limited vault participation and dwindling treasury funds, the team has opted for an orderly wind-down through March 2025. Key achievements include: - €10M+ in real-world loans funded - €550,000 interest distributed - 60,000 NFTs issued - 10,000+ vault investors Third-party investors will be able to claim principal and accrued interest, with DEX pools remaining active for one more month.

Small and medium-sized enterprises (SMEs), representing 90% of global businesses, face significant challenges accessing traditional credit channels. Key developments: - 10.7M+ loans have been successfully underwritten through alternative financing - A $10 trillion funding gap continues to affect SME growth globally - Traditional banks show preference for larger, established clients The credit access problem particularly impacts developing markets, where SMEs serve as crucial economic drivers. This persistent gap between SME credit needs and available financing highlights the potential for alternative lending solutions. *Data indicates the market opportunity remains substantial despite recent progress.*

Florence Finance has completed its Q4 2024 interest distribution: - Junior Vault: 34.1K credited - Caple Vault: 11.5K credited This distribution continues Florence's track record of generating real-world yields from SME lending, with total interest income now exceeding $541k. The platform connects stablecoin holders with SME credit opportunities, providing uncorrelated returns from traditional lending markets. *Key Highlight*: Consistent quarterly distributions demonstrate the platform's stability in delivering returns from real-world assets.

Florence Finance's Junior Vault, offering 9.5% APY, is approaching full capacity with only $35,000 remaining of its $1.5M allocation. The vault specializes in: - Short-term SME loan underwriting - Full backing by performing assets - Secure yield generation The vault operates alongside the Avellinia Vault (10% APY), managed by AvCap Investments Luxembourg, which provides similar SME loan security features. *Investment opportunity closing soon for this stable, real-world asset backed yield generation vehicle.*