finvoice.fi
One click turns invoices into yield
a whoppin' $3.1T market
01 — The Team
Built to ship
Sairam
Full Stack Developer
Philo Sanjay
Backend Developer
Three trillion dollar market.
One click.
02 — The Problem
Invoice factoring is broken
Legacy rails optimize for speed of capital, not legitimacy of claims — so consent, privacy, and UX all lose.
No debtor consent
Unilateral tokenization with zero verification
Privacy violation
Business relationships exposed publicly
Terrible UX
MetaMask, dApps, complex flows nobody uses
Market reality
$3.1Tstill on faxed PDFs & blind trust
03 — The Solution
Finvoice.Finance
Unlocking a new economy where private assets meet public liquidity, powered by AI agents on Flare.
Invoices live on a Flare TEE — debtor identities, payment history, and commercial terms never leave. An AI agent scores credit risk and bridges only what matters (risk grade, yield, confidence) to a public marketplace where anyone can fund invoices and earn yield.
The primitive: PDF onramp. Debtors just approve invoices through a regular PDF — OTP-verified, no wallet, no dApp. That one click tokenizes the invoice on-chain and kicks off the entire pipeline. TradFi UX, DeFi rails.
Private data stays private. Public markets stay liquid. AI agents connect the two.
04 — User Flow
How it works, end to end
05 — Architecture
Privacy meets transparency
Flare TEE
Private Ledger
- Debtor identity
- Payment history
- Full AI reasoning
- Jurisdiction
- Invoice terms
Hedera HTS + HCS
Public Ledger
- Risk grade (A-D)
- Yield APY
- Face value
- Maturity
- PDF hash
AI sees everything. Public sees only pricing signals.
06 — Market
Expanding Opportunities
Trade finance and invoice markets stack from broad TAM into digitized receivables and on-chain credit — the layers we sit on are compounding fast.
Takeaway
Large liquid TAM, double-digit CAGR, and a wedge where privacy plus programmability wins — not another generic lending pool.
Illustrative market layers; CAGR rounded from industry forecasts
07 — Where Yield Comes From
The discount is the yield
Suppliers sell invoices at a discount to get cash immediately. Funders earn the spread when debtors pay face value at maturity. No speculation — yield is backed by real commercial obligations.
Real invoices → real payments → real yield. No token emissions, no ponzinomics.
08 — Live Demo
See it happen
Create invoice → PDF generated
Debtor clicks Approve → tokenized in <1s
AI scores → attestation crosses chains
Funder buys → supplier paid instantly
What it proves
09 — Why Finvoice
What others can’t do
10 — Roadmap
Hardening the trust stack
Today we ship privacy-preserving scoring and attestations on Flare. Next phases add cryptographic and economic security so grades and settlement stay solid at institutional scale.
ZK attestations
Prove risk grade and invoice integrity without exposing debtor PII or model features on L1.
Blind compute
Run scoring pipelines on encrypted or committed data so even operators cannot read raw inputs.
Flare TEE multi-signer
Multiple TEE machines co-sign attestations for fault tolerance and decentralized trust.
Cross-chain settlement
Settle invoices across Flare, Hedera, and XRPL via FDC attestations and Smart Accounts.
One stack: privacy now, verifiable compute next, economic security last
11 — Go-To-Market
Land, expand, dominate
A three-phase GTM motion: anchor with pilot banks on Flare, expand through ecosystem network effects, then capture the broader institutional credit market.
Pilot with anchor banks
Onboard 2–3 Flare member banks with a white-glove integration. Prove scoring accuracy and settlement speed on live receivables portfolios.
Ecosystem network effects
Each bank brings its supplier network onto the platform. More invoices improve the model; better grades attract more liquidity providers.
ERP & fintech integrations
Embed Finvoice scoring as an API inside ERP systems and trade-finance platforms so originators can grade invoices at the point of creation.
Cross-chain & multi-asset
Extend beyond receivables to supply-chain finance, payables, and cross-border trade — becoming the institutional credit layer for RWAs.
Pilot → network effects → platform moat → institutional standard