ByteBro.s
InvoiceFin
Submitted
May 22, 2026, 3:12 AM
Last Updated
May 22, 2026, 5:43 AM
Project Links
Official Winner
This project was recognized for outstanding achievement in the Fintech category at Catalyst 2K26.
Problem Statement
MSMEs are the backbone of the global economy, yet they are choked by a $3 Trillion credit gap. Large corporate buyers levy them with higher rates of interests, while traditional banks reject 70% of small businesses seeking short-term cash flow because processing micro-invoices is too slow and expensive
Solution & AI Usage
1.Instant Liquidity via Stellar: We turn unpaid B2B invoices into liquid assets, cashing out MSMEs in under 24 hours with near-zero transaction fees and 3-second settlement. 2.On-Chain AI Seller Risk Grading: An AI engine analyzes the seller's live Stellar wallet history and native balances, assigning dynamic credit grades (Grade A to D) and flagging unactivated/zero-transaction profiles as high-risk. 3.Autonomous AI Investor Agents: Investors set their desired funding amount and risk threshold once; autonomous AI agents then automatically match, fractionalize, and deploy capital to matching invoices instantly.
Full Description
What is InvoiceFin? InvoiceFin is an online marketplace that helps small businesses get paid instantly. Instead of waiting 90 days for large buyers to pay their invoices, businesses can sell their unpaid invoices to global investors for immediate cash at a tiny discount.
How it works in 3 bullet points: 1.Upload & Verify: Small businesses list their unpaid invoices and verify their identity in under 60 seconds using official government IDs. 2.AI Credit Grading: Our AI automatically scans the business's Stellar wallet transaction history, giving them a credit safety score from Grade A (Safe) to Grade D (High Risk). 3.AI Investor Agents: Investors set their preferred budget and risk rate, and autonomous AI agents automatically purchase and fund matching invoices instantly. 8:41
Tech Stack
Screenshots
5 attached
