Transform your outstanding invoices into instant working capital. Get funded in seconds, not weeks.
SMEs wait 30–90 days to get paid. Traditional invoice finance takes days or weeks to approve.
Mountains of documents, manual bank audits, and endless phone calls.
Opaque pricing and fees that erode your margins.
We do to invoice financing what email did to regular mail.
If you have the invoice, you have the asset. That's it.
Get funded in seconds by a global pool of liquidity, not a single gatekeeping bank.
Smart contracts handle settlement transparently. See exactly what you're paying.
Your invoice is a standard asset on a distributed exchange. Investors worldwide can fund you.
Non-custodial. The blockchain holds the funds, not a company that might disappear.
Built for MiCA and UK 2026 regulations with authorized accounts and audit trails.
Your invoice becomes a digital token (MPT) on the XRPL blockchain with all relevant metadata.
Our lending engine evaluates risk using on-chain oracles and matches your invoice to funding pools.
Loan is originated from a vault. You receive stablecoins in seconds via atomic settlement.
When your client pays, funds flow back automatically. The token is retired. Done.
One on-chain flow, two clear outcomes: instant cash for borrowers and transparent yield for lenders.
For SMEs that are tired of waiting 30–90 days to get paid by large buyers.
Connect your invoicing tool or drag-and-drop a PDF invoice.
TokInvoice mints a regulated on-ledger token backed by your invoice.
Our engine prices risk and shows your advance amount and clear fee.
Capital moves from the lending vault to your account in seconds.
Your customer pays the invoice as usual; the loan closes in the background.
Leveraging the XRP Ledger's unique capabilities for real-world asset financing.
Invoices as real-world assets with clawback capability for compliance.
On-ledger vaults and loans for transparent, institutional-grade financing.
On-chain credit scores and risk data for transparent pricing.
3-5 second finality. If one side fails, the whole trade fails. Zero counterparty risk.
Enables secondary market trading of tokenized invoices via the native XRPL AMM and DEX.
XRPL's Multi-Purpose Tokens (MPT) and lending primitives turn invoices into programmable real-world assets that can be structured to fit MiCA and similar regulatory frameworks.
MPTs live directly on the XRPL ledger with rich metadata, issuer controls and clawback. You get an on-ledger invoice registry instead of a database that merely claims to back a token.
XRPL's issuer model, regulated stablecoins and authorization flags make it easier to map roles like issuer, custodian and lender to MiCA categories such as e-money and asset-referenced tokens.
Suppliers and lenders see familiar bank transfers. Under the hood, XRPL vaults and stablecoins handle settlement, giving you on-chain transparency with a traditional finance UX.
Purpose-built for finance, outperforming general-purpose chains for invoice use cases.
| Feature | Ethereum / L2s | XRPL (TokInvoice) |
|---|---|---|
| Settlement Time | 12+ mins (Mainnet) or variable | 3-5 Seconds (Native) |
| Transaction Fees | Volatile ($1–$50+) | <$0.0001 (Fixed) |
| Compliance | Smart Contract logic (Fragile) | Native Primitives (Clawback, Freeze) |
| Security Model | Bespoke Contracts (Audit dependent) | Protocol Native (Battle-tested L1) |
We learned from the industry's biggest failures. TokInvoice is built on verified debt, not speculation.
We never finance future or prospective receivables. Every invoice must represent delivered goods or services.
Before funding, the debtor must explicitly confirm "Goods/Services Received" via a secure link. No ack, no funding.
Every invoice is fingerprinted to prevent double-financing across platforms. The same invoice cannot be funded twice.
For construction, we only finance Certified Certificates of Payment—not "Applications" that may be disputed.
No over-exposure to a single debtor. Automated limits prevent Greensill-style concentration risk.
Every loan maps 1:1 to an Invoice MPT on XRPL. No hidden assets, no wrapped junk bonds.
Layered verification ensures every originator meets regulatory requirements.
Automated lookup via Companies House. Confirm active status, incorporation date, and directors.
Identity verification via Onfido—passport or ID scan plus liveness check.
PEP, sanctions, and adverse media checks via ComplyAdvantage with ongoing monitoring.
Open Banking integration via TrueLayer confirms account ownership instantly.
Plugged into the tools and services that power modern finance.
Direct OAuth integration for invoice ingestion. Connect your accounting software in one click.
Virtual accounts and payment splitting for GBP settlement. FCA-regulated infrastructure.
USD settlement via Stripe's embedded banking rails. Coming in 2026.
Open Banking for instant bank account verification and payment initiation.
ID document verification and biometric liveness checks for director onboarding.
Automated FX hedging via forward contracts. Eliminates currency risk on cross-border invoices.
Deep expertise in high-risk verticals where traditional factors won't go.
Certified Payments only. We reject "pay-when-paid" clauses and unconfirmed Applications for Payment. Safety first.
Cross-border freight financing with MiCA-compliant infrastructure. Multi-currency settlement via RLUSD.
MRO (Maintenance, Repair, Overhaul) financing for airlines and service providers. Coming 2027.
Safety first, then scale.
Anti-Greensill logic, Construction safeguards, Vault concentration limits, Debtor acknowledgement.
EU Logistics pilot market, MiCA compliance certification, Multi-currency support.
XLS-82 (MPT on DEX) integration. Early-exit options for lenders via on-chain trading.
Structured products, tranching support, advanced reporting for asset managers.
Stop playing banker for your clients.
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