Dynamic Discounting with Smart Invoices

Convert static payment terms into a dynamic, automated marketplace. Suppliers can opt-in to receive early payments at a discount they set, while your finance team gains a powerful tool for strategic treasury management. This turns idle cash into a yield-generating asset, improving your Days Payable Outstanding (DPO) without harming supplier relations.

• Real Example: A major retailer used a blockchain platform to offer early payments, freeing up over $150M in working capital annually.
• ROI Driver: Earn a risk-free return on cash (via discounts) that often exceeds short-term investment yields.

Eliminate manual invoice matching, approval routing, and dispute resolution. Smart contracts auto-verify goods receipt against purchase order data, triggering irrevocable payment promises. This reduces processing costs by up to 80% and cuts payment cycles from weeks to minutes.

• Key Benefit: Full audit trail on-chain eliminates discrepancies and provides immutable proof for compliance (SOX, audit).
• Process Impact: AP staff shift from data entry and chasing approvals to strategic analysis and exception handling.

Provide your critical suppliers, especially SMEs, with predictable, accelerated cash flow. This financial stability makes your supply chain more resilient and can be a competitive advantage in sourcing. The transparent, rules-based system builds trust and reduces payment friction.

• Strategic Value: During economic stress, your ability to offer fast payments can secure priority access to scarce materials.
• Supplier Benefit: Suppliers gain control over their liquidity, reducing their need for expensive factoring or working capital loans.

Replace manual approval workflows with programmable smart invoices. Set rules where suppliers can instantly access discounted payments, improving their cash flow while you capture significant cost savings.

• Example: A supplier submits an invoice with a 2% discount if paid within 10 days. The smart contract automatically executes the payment upon delivery verification, locking in the discount.
• ROI Driver: Automates a high-volume, low-value process, freeing up AP teams and generating predictable savings from early payment terms.

Enable suppliers to sell their approved invoices to decentralized liquidity pools for immediate payment, without waiting for your standard terms. This turns your AP ledger into a liquid asset class for your supply chain.

• Real-World Parallel: Similar to how Centrifuge brings real-world assets like invoices on-chain, allowing SMEs to access capital. Your suppliers get paid instantly, you preserve cash, and the protocol investors earn a yield.
• Business Benefit: Strengthens supplier relationships by providing a valuable financial service, potentially leading to better pricing and priority service.

Offer a branded financing portal to your suppliers. They can log in, see approved invoices, and choose to receive early payment at a dynamic, market-driven discount rate—all powered by underlying blockchain protocols.

• Pioneer Model: Platforms like Huma Finance and Credora provide the infrastructure for enterprises to offer seamless, embedded finance.
• Business Justification: Creates a new, sticky ecosystem with your suppliers, improves supply chain resilience, and can become a revenue line if fees are applied.