About InvoFi
Transforming unpaid invoices into blockchain-based digital assets through decentralized liquidity pools
What is InvoFi?
InvoFi is a decentralized platform that transforms unpaid invoices into blockchain-based digital assets. Verified invoices are tokenized as NFTs and instantly financed through a decentralized liquidity pool powered by an Automated Market Maker (AMM) — enabling businesses to unlock working capital in minutes, not months.
InvoFi is not just an app — it's the foundation for decentralized trade finance.
Why We Built InvoFi
Traditional invoice financing is slow, opaque, and designed for large corporations. Small and mid-sized businesses face high fees, long delays, and limited access to liquidity — despite having strong receivables on their books.
Verified invoices are tokenized and sold instantly to a decentralized liquidity pool. No more waiting 30-90 days — businesses get upfront cash based on the invoice's risk profile and payment terms.
Funding doesn't depend on centralized lenders or banks. Instead, it's powered by a global network of liquidity providers (LPs), enabling inclusive, borderless access to capital.
InvoFi tokenizes invoices with automatic verification built into the tokenization process, ensuring only authentic, verifiable invoices are minted as tokens.
Every invoice exists as a token on-chain, with auditable history, programmable settlement logic, and clear repayment tracking. No hidden fees, no black-box underwriting.
How the AMM Works
Pricing Factors
- Invoice term (30, 60, 90 days)
- Creditworthiness of the debtor
- Time decay (closer to due date = higher price)
Key Points
- Single LP Ownership with fractional financing
- Dynamic AMM pricing based on market conditions
- Instant funding for businesses
- Automated repayment distribution
- LPs deposit stablecoins (USDC) into decentralized liquidity pools
- Verified invoices are automatically tokenized as NFTs
- Tokenized invoices are listed in the AMM marketplace
- One LP per invoice buys the invoice, with capital pooled from multiple LPs
- LPs receive fractional shares of the invoice purchase
- When paid, the protocol distributes repayment to fractional contributors
For Financial Institutions
Banks can deposit capital into invoice pools to earn real-world yield, accessing a new asset class of short-term, real-economy lending with on-chain transparency and risk-adjusted returns.
Banks can validate invoice authenticity and debtor credibility, earning fees per verified invoice while maintaining high-quality standards in the protocol.
Banks can run and manage permissioned pools for corporate clients, earning management or performance fees while ensuring regulatory compliance.
Banks can offer insurance on invoice repayment or default guarantees, creating a new premium-based business model built on top of the protocol.
The Vision
InvoFi's mission is to democratize invoice financing by building a protocol that is transparent, programmable, efficient, scalable, and inclusive of businesses traditionally overlooked.
By converting receivables into digital assets and enabling real-time financing through DeFi liquidity pools, we're unlocking trillions in trapped working capital across the global B2B economy.