A Global Platform for SME Invoice Financing
Our solution, OpenAssets, is a technology platform that allows small and medium businesses (SMEs) to get paid instantly for their outstanding invoices.
Here is the simple, practical process:
- An exporter in India has a $10,000 invoice that their buyer in Germany will pay in 60 days.
- The exporter needs that cash now to pay for new materials.
- Instead of waiting, they use OpenAssets to convert this invoice into a digital "token."
- This token, which represents a legal right to the future $10,000 payment, is then sold at a discount to a global pool of accredited investors, who provide an upfront cash advance.
The SME gets their working capital in hours, not months. The investor receives a high-yield, short-term asset. We have solved the "Working Capital Chasm" by bridging the gap between off-chain assets and on-chain capital.
Our Model: A Platform, Not a Fund
It is critical to understand that OpenAssets is not a traditional investment fund that buys these invoices itself
We are a technology platform. We provide the secure, audited, and compliant "rails" that connect the SMEs (who need cash) with the investors (who have capital). Our "open-architecture" model is designed to be a piece of core infrastructure that any other lender, fintech, or marketplace can plug into.
This makes our solution highly scalable and positions us as a technology partner to the entire ecosystem.
Secure, Enforceable, and Legally Simple
Our approach is designed for mass adoption because it is both simple and secure.
- 1. Legally Simple: The system is governed by standard, universally understood contract law (an "assignment of receivables"). It avoids the deep regulatory overhead of complex property or securities laws, making it truly scalable across jurisdictions.
- 2. Investor-Grade Security: This is not a "synthetic" asset that merely "tracks" a price. Every token on our platform is backed by a real, verifiable, and legally enforceable right to a specific, real-world cash flow. This provides the trust and security that serious investors demand.