Tokenized Trade Receivables Marketplace

Turn illiquid invoices into liquid digital assets instantly, accelerating cash flow. Suppliers can sell receivables to a global pool of institutional investors within hours, not weeks. This directly reduces Days Sales Outstanding (DSO) and eliminates the need for expensive, high-interest factoring or working capital loans. Example: A mid-sized manufacturer can cut DSO from 60 to 5 days, freeing up millions in trapped capital for growth.

Every invoice, payment, and ownership transfer is immutably recorded on-chain, creating a single source of truth. This automates reconciliation, provides an irrefutable audit trail for regulators, and simplifies compliance with standards like IFRS 9 and anti-money laundering (AML) rules. Auditors can verify transactions in real-time, slashing manual review costs. Real-world impact: A multinational reduced its audit preparation time for receivables by 70%.

Blockchain's inherent cryptographic verification and smart contract logic prevent double-financing and invoice fraud. Each receivable is tokenized against a verified, on-chain record of the underlying trade, ensuring authenticity. Disputes are minimized as payment terms and conditions are programmatically enforced. For a large retailer, this can prevent millions in losses from fraudulent or duplicate invoices annually.

Automate manual, error-prone processes: credit assessment, settlement, and reporting. Smart contracts handle payments automatically upon maturity, reducing administrative overhead. This leads to significant cost savings in back-office operations. Key efficiencies include:

• Automated reconciliation between buyer, supplier, and investor ledgers.
• Real-time reporting dashboards for treasury management.
• Reduced need for intermediary banks and their associated fees.

Create a standardized, transparent asset class that appeals to non-bank institutional investors (e.g., hedge funds, asset managers). By fractionalizing large receivables into smaller tokens, you lower the investment barrier, attracting a deeper pool of capital. This increases competition and drives down financing costs for suppliers. Example: A platform like Monoova or early TradFi experiments demonstrate the demand for this transparent yield.

Provide your suppliers with a fast, low-cost financing option, strengthening your supply chain's financial health. This is a strategic advantage, especially for large buyers (anchors). It mitigates supplier risk of insolvency and fosters loyalty. The transparent process builds trust, as all parties operate from the same immutable data. For a corporate buyer, this translates into a more resilient and competitive supply network.

Tokenizing invoices on a shared ledger enables real-time settlement and programmable payments. This directly reduces Days Sales Outstanding (DSO), unlocking trapped capital.

• Example: A European manufacturer reduced its DSO from 60 to 7 days by selling tokenized receivables to institutional investors, improving its cash conversion cycle by over 85%.
• Benefit: Predictable liquidity allows for better financial planning and investment in growth initiatives.

Every transaction—from invoice creation to final settlement—is immutably recorded. This provides an unbreakable audit trail for regulators and auditors.

• Key Feature: Automated Know Your Customer (KYC) and Anti-Money Laundering (AML) checks can be embedded into the asset lifecycle, significantly reducing manual review costs and compliance risk.
• ROI Driver: Slashes audit preparation time and provides verifiable proof of transaction integrity for financial reporting.

Automating manual reconciliation, payment processing, and dispute resolution eliminates significant administrative overhead.

• Processes Automated: Invoice verification, payment matching, and interest calculations are executed via smart contracts, reducing errors and labor costs.
• Quantifiable Impact: Early adopters report a 30-50% reduction in back-office costs related to receivables management by removing intermediary fees and manual processes.

Fractionalizing large receivables into standardized tokens opens them up to a global pool of non-bank investors, increasing liquidity and potentially lowering financing costs.

• Market Expansion: SMEs can access capital from institutional funds and retail investors, bypassing traditional credit constraints.
• Real-World Validation: Platforms like Centrifuge and Figure Technologies have facilitated billions in financing, demonstrating market demand for this asset class.

The immutable, single source of truth on a blockchain prevents invoice fraud and double-financing—where the same receivable is pledged to multiple lenders.

• The Pain Point: Traditional systems are siloed, making fraud detection reactive and costly.
• The Blockchain Fix: Token ownership is cryptographically verifiable and globally visible, making fraudulent duplication impossible. This de-risks the asset for all parties.

Offering faster, more transparent payments strengthens the supply chain. Suppliers benefit from predictable cash flow, which can be used to negotiate better terms.

• Strategic Advantage: Large buyers using tokenization programs report stronger, more resilient supplier networks.
• Case in Point: A major automotive supplier implemented a program, allowing its smaller vendors to receive payment upon shipment. This improved vendor loyalty and secured priority during parts shortages.