Turn unpaid invoices into instant capital

Suppliers get paid today, not in 30 days. Debtors approve with one click. Funders earn up to 26% APY on risk-scored receivables.

All private. All on-chain. No wallets required.

Built on Flare Privacy Infrastructure

The Problem

Invoice factoring is stuck in 1995

A $3.1 trillion market still runs on faxed PDFs, manual reconciliation, and zero debtor consent.

No debtor consent

Invoices tokenized unilaterally. No verification. No trust signal for buyers.

Privacy violations

Factoring means handing over your client list. Business relationships become public.

Weeks to settle

Manual credit checks, paper trails, and bank processing. Suppliers wait 30-90 days.

Finvoice fixes all three

Debtor-approved invoices. AI-scored risk on a sovereign Privacy Node. Sub-second settlement. One PDF, one click.

Three Roles, One Platform

Everyone wins

Whether you need cash today, want to approve faster, or are looking for real yield — there’s a seat for you.

INVOICE$

Supplier

Get paid today, not in 30–90 days.

Upload your invoice, send it for approval, and receive up to 98% of its face value instantly. No banks, no paperwork, no waiting.

Instant liquidity on approved invoices
Keep your client relationships private
No minimum invoice size
PDFPRIVATEAPPROVED

Debtor

One click. Full control.

You approve the invoice in a PDF link — no wallet, no sign-up. Your identity stays on a private chain. You still pay the same amount on the same date.

Nothing changes about your payment terms
Your identity never goes public
Build an on-chain credit history privately
26%APY

Funder

Earn real yield, not speculation.

Buy invoices at a discount. AI scores the risk for you. When the debtor pays at maturity, you receive the full face value. Up to 26% APY on Grade A paper.

AI-scored risk grades (A through D)
Short duration: 30 to 90 day returns
Backed by real receivables, not hype
Supplier createsDebtor approvesAI scoresFunder earns

How It Works

Four steps to instant liquidity

01

Create

Supplier fills a form. Platform generates a special PDF with an approval button.

02

Approve

Debtor clicks "Approve on Flare" in the PDF. Invoice tokenized on Flare TEE.

03

Score

AI reads private metadata, grades risk A-D, calculates yield. Attestation goes public.

04

Fund

Funders purchase discounted invoices. Supplier gets paid instantly. Yield at maturity.

Disclosure Design

Privacy meets transparency

The AI sees everything. The public sees only what matters for pricing. Debtor identity never leaves the sovereign chain.

Flare TEE

Sovereign, confidential

Debtor identity & approval
Payment history (3+ years)
Jurisdiction & compliance
Commercial terms
Full AI reasoning

Hedera HTS

Marketplace pricing signals

Risk grade (A-D)
Annualized yield (APY)
Face value & purchase price
Maturity date & tenure
PDF verification hash

Real Yield

Not speculation. Time-value arbitrage.

Example: $100k invoice, 30-day maturity, Grade A
Face value
$100,000
Purchase price
$97,900
Funder yield
$2,100
Annualized APY
26.1%
Supplier gets
$97,900
Paid instantly
Debtor pays
$100,000
Same as always
Platform fee
0.3%
At settlement only
$3.1T
Global factoring market
<1s
Flare finality
26%
APY on Grade A
0
Wallets required

Three trillion dollar market.
One click.

Debtor approved it. AI scored it. Funder earned yield. Supplier got cash. Private data never leaked.