How It Works

    Understanding blockchain-powered invoice financing

    1

    Invoice Tokenization

    Convert your invoice into a digital asset

    When a business issues an invoice, it's tokenized as an NFT on the Sui blockchain. This token represents the right to receive payment and contains all invoice metadata:

    • Invoice amount, due date, and payment terms
    • Debtor information and credit rating
    • Immutable proof of invoice creation and ownership
    2

    Marketplace & Financing

    Connect with global investors instantly

    The invoice token is listed on the marketplace where investors can purchase it at a discount:

    • Business receives immediate cash (e.g., 95% of invoice value)
    • Investor purchases the right to collect full payment (100%)
    • Transaction recorded transparently on-chain
    3

    Automatic Settlement

    Smart contracts handle the rest

    When the debtor pays the invoice, the smart contract automatically distributes funds:

    • Payment is detected and verified on-chain
    • Full amount goes to current invoice token holder (investor)
    • Invoice NFT is marked as settled and burned

    Key Advantages

    Fraud Prevention

    Immutable blockchain records prevent double financing and fake invoices. Every transaction is transparent and verifiable.

    Speed & Efficiency

    Smart contracts automate verification and settlement, reducing processing time from days to minutes.

    Global Access

    Connect with investors worldwide without banking intermediaries or cross-border payment friction.

    Why Sui Blockchain?

    Object-Based Architecture

    Sui's object model is perfect for representing invoices as digital assets with metadata, ownership, and transaction history.

    High Performance

    High throughput and low latency enable instant transactions suitable for large-scale financial operations.

    Security First

    Move programming language provides formal verification and safety guarantees, reducing smart contract vulnerabilities.