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Enterprise Access : Contact sales@stateset.com for access to advanced finance features and higher limits.Finance API: Revolutionizing Trade Finance StateSet’s Finance API transforms traditional trade finance by leveraging blockchain technology and stablecoins to provide instant liquidity, automated compliance, and global accessibility. Eliminate weeks of waiting and mountains of paperwork with our programmable finance infrastructure.
🌟 Why StateSet Finance?
Instant Liquidity Factor invoices and access capital in minutes, not months
Global Reach Finance trade in 195+ countries with built-in compliance
Smart Automation AI-powered risk assessment and automated payment flows
📊 Impact Metrics 🚀 Quick Start Invoice Factoring
Purchase Order Finance
Asset-Based Lending
import { StateSet } from '@stateset/sdk' ; const stateset = new StateSet ({ apiKey: 'sk_test_...' }); // Factor an invoice for instant liquidity const factoring = await stateset . finance . factorInvoice ({ invoice_id: 'inv_12345' , amount: '50000.00' , discount_rate: 0.025 , // 2.5% discount buyer_id: 'buyer_abc123' , recourse: false // Non-recourse factoring }); console . log ( `Received ${ factoring . advance_amount } USDC instantly` ); // Output: Received 48750.00 USDC instantly
// Finance a purchase order before fulfillment const poFinancing = await stateset . finance . financePurchaseOrder ({ po_id: 'po_67890' , amount: '100000.00' , supplier_id: 'supplier_xyz789' , delivery_date: '2024-08-15' , collateral_type: 'buyer_guarantee' }); console . log ( `PO financed: ${ poFinancing . funded_amount } USDC` ); // Funds released to supplier for production
// Borrow against tokenized assets const loan = await stateset . finance . createLoan ({ collateral: { type: 'tokenized_inventory' , value: '150000.00' , token_ids: [ 'inv_token_123' , 'inv_token_456' ] }, loan_amount: '100000.00' , term_days: 90 , interest_rate: 0.08 // 8% APR }); console . log ( `Loan approved: ${ loan . id } ` ); // Instant USDC disbursement
💼 Product Suite Invoice Factoring Transform outstanding invoices into immediate working capital with our AI-powered factoring platform.
Submit Invoice : Upload or connect your invoice via APIInstant Assessment : AI evaluates buyer creditworthiness in secondsGet Offer : Receive competitive factoring rate (typically 2-5%)Instant Payment : Accept offer and receive USDC immediatelyWe Collect : We handle collection from your buyer at maturity
⚡ Instant Liquidity : Access 95-98% of invoice value immediately
💰 Better Rates : 2-5% vs traditional 10-30%
🌍 Global Coverage : Factor invoices from buyers worldwide
🔒 Non-Recourse Options : Transfer credit risk to us
🤖 Automated Process : No paperwork or manual approvals
Invoice amount: 1 , 000 − 1,000 - 1 , 000 −
Buyer must be a registered business
Invoice must be for completed goods/services
Maximum term: 120 days
No previous factoring on same invoice
Purchase Order Financing Fund production and fulfill large orders without depleting working capital.
Manufacturing : Fund raw materials and production costsWholesale : Purchase inventory for large ordersImport/Export : Finance international trade transactionsSeasonal Business : Handle demand spikes without cash strain
Smart Contract Protection
Funds held in escrow until milestones met
Automatic release based on IoT/delivery confirmation
Multi-party signatures for large transactions
Dispute resolution via on-chain arbitration
Dynamic Discounting Optimize payment timing between buyers and suppliers with win-win early payment discounts.
For Buyers
Earn 15-30% APR equivalent returns
Strengthen supplier relationships
Improve supply chain resilience
For Suppliers
Access early payment on demand
Predictable cash flow
Lower financing costs
💵 Invoice Factoring API Factor Invoice POST /v1/finance/invoices/factor
Request Body: { "invoice_id" : "inv_12345" , "amount" : "50000.00" , "currency" : "USDC" , "discount_rate" : 0.025 , "buyer" : { "id" : "did:stateset:buyer:abc123" , "credit_rating" : "AAA" , "payment_history" : "excellent" }, "terms" : { "net_days" : 30 , "due_date" : "2024-07-25" }, "recourse" : false }
Response: { "factoring_id" : "fact_8y4mQr5oP2" , "invoice_id" : "inv_12345" , "status" : "FUNDED" , "advance_amount" : "48750.00" , "discount_amount" : "1250.00" , "discount_rate" : 0.025 , "funded_at" : "2024-06-25T12:05:00Z" , "maturity_date" : "2024-07-25T23:59:59Z" , "transaction_hash" : "0x742d35Cc6634C0532925a3b8D097C00D4dfece08" }
Get Factoring Options GET /v1/finance/invoices/{invoice_id}/factoring-options
Response: { "invoice_id" : "inv_12345" , "amount" : "50000.00" , "options" : [ { "provider" : "StateSet Pool Alpha" , "discount_rate" : 0.02 , "advance_amount" : "49000.00" , "funding_time" : "instant" , "recourse" : false , "rating" : "AAA" }, { "provider" : "Institutional Lender" , "discount_rate" : 0.015 , "advance_amount" : "49250.00" , "funding_time" : "1_hour" , "recourse" : false , "rating" : "AA+" } ], "risk_assessment" : { "buyer_score" : 95 , "payment_probability" : 0.99 , "recommended_rate" : 0.02 } }
Track Factored Invoice GET /v1/finance/factoring/{factoring_id}
Response: { "id" : "fact_8y4mQr5oP2" , "invoice_id" : "inv_12345" , "status" : "ACTIVE" , "amount" : "50000.00" , "advance_paid" : "48750.00" , "discount" : "1250.00" , "days_remaining" : 15 , "payment_tracking" : { "buyer_notified" : true , "payment_link_sent" : true , "reminder_sent" : false }, "timeline" : [ { "event" : "FACTORED" , "timestamp" : "2024-06-25T12:05:00Z" , "amount" : "48750.00" }, { "event" : "BUYER_NOTIFIED" , "timestamp" : "2024-06-25T12:06:00Z" } ] }
📦 Purchase Order Financing API Finance Purchase Order POST /v1/finance/purchase-orders/finance
Request Body: { "purchase_order_id" : "po_67890" , "supplier_id" : "did:stateset:supplier:xyz789" , "buyer_id" : "did:stateset:buyer:abc123" , "amount" : "100000.00" , "currency" : "USDC" , "financing_terms" : { "advance_percentage" : 0.8 , "fee_percentage" : 0.03 , "payment_terms" : "net_60" }, "delivery_terms" : { "incoterm" : "FOB" , "expected_delivery" : "2024-08-15" , "delivery_address" : "123 Main St, San Francisco, CA" }, "collateral" : { "type" : "purchase_order" , "insurance_required" : true } }
Response: { "financing_id" : "pof_9x3kLm8nR5" , "purchase_order_id" : "po_67890" , "status" : "APPROVED" , "advance_amount" : "80000.00" , "total_fees" : "3000.00" , "funding_schedule" : [ { "milestone" : "ORDER_CONFIRMED" , "amount" : "40000.00" , "funded_at" : "2024-06-25T12:10:00Z" }, { "milestone" : "PRODUCTION_COMPLETE" , "amount" : "40000.00" , "estimated_date" : "2024-08-01" } ], "repayment_due" : "2024-10-15" , "contract_address" : "stateset1contract456..." }
Get Financing Options GET /v1/finance/purchase-orders/{po_id}/financing-options
Response: { "purchase_order_id" : "po_67890" , "amount" : "100000.00" , "supplier_rating" : "A+" , "buyer_rating" : "AAA" , "financing_options" : [ { "provider" : "StateSet Capital" , "advance_percentage" : 0.85 , "fee_rate" : 0.025 , "approval_time" : "instant" , "requirements" : [ "insurance" , "shipping_docs" ] }, { "provider" : "Trade Finance Pool" , "advance_percentage" : 0.8 , "fee_rate" : 0.02 , "approval_time" : "2_hours" , "requirements" : [ "credit_check" , "collateral" ] } ], "risk_factors" : { "supplier_history" : "excellent" , "product_category" : "low_risk" , "shipping_route" : "established" , "insurance_available" : true } }
🏦 Collateralized Lending API Create Loan Request POST /v1/finance/loans/request
Request Body: { "borrower_id" : "did:stateset:borrower:def456" , "loan_amount" : "25000.00" , "currency" : "USDC" , "loan_purpose" : "working_capital" , "term_months" : 12 , "collateral" : [ { "type" : "cryptocurrency" , "asset" : "STATE" , "amount" : "50000.00" , "current_value" : "50000.00" , "ltv_ratio" : 0.5 }, { "type" : "invoice" , "asset_id" : "inv_78901" , "face_value" : "15000.00" , "ltv_ratio" : 0.8 } ], "requested_rate" : 0.08 }
Response: { "loan_id" : "loan_5z8nPq3oW7" , "status" : "PENDING_APPROVAL" , "requested_amount" : "25000.00" , "approved_amount" : "25000.00" , "interest_rate" : 0.075 , "term_months" : 12 , "monthly_payment" : "2256.50" , "total_collateral_value" : "65000.00" , "ltv_ratio" : 0.38 , "approval_time" : "instant" , "funds_available" : "2024-06-25T12:15:00Z" }
Loan Management POST /v1/finance/loans/{loan_id}/drawdown
Request Body: { "amount" : "25000.00" , "destination_wallet" : "stateset1borrower123..." , "purpose" : "Inventory purchase for Q3 orders" }
Response: { "drawdown_id" : "draw_4k7mLx9nQ2" , "loan_id" : "loan_5z8nPq3oW7" , "amount" : "25000.00" , "funded_at" : "2024-06-25T12:20:00Z" , "transaction_hash" : "0x9f2e45Bb8734C1523456a7b9E087F00E4dfebe19" , "repayment_schedule" : [ { "payment_number" : 1 , "due_date" : "2024-07-25" , "principal" : "1923.17" , "interest" : "333.33" , "total" : "2256.50" } ] }
🎯 Automated Risk Management Credit Scoring // Real-time credit assessment const creditScore = await client . finance . assessCredit ({ entity_id: 'did:stateset:company:abc123' , factors: [ 'payment_history' , 'financial_statements' , 'industry_trends' , 'blockchain_activity' ] }); // Response { "entity_id" : "did:stateset:company:abc123" , "credit_score" : 785 , "rating" : "A+" , "factors" : { "payment_history" : { "score" : 95 , "on_time_percentage" : 0.98 , "avg_days_early" : 2.3 }, "financial_health" : { "score" : 88 , "debt_to_equity" : 0.35 , "current_ratio" : 2.1 }, "blockchain_activity" : { "score" : 92 , "transaction_volume" : "500000.00" , "network_reputation" : "excellent" } }, "recommended_limits" : { "factoring" : "100000.00" , "lending" : "50000.00" , "trade_finance" : "250000.00" } }
Dynamic Pricing // Market-driven interest rates const pricing = await client . finance . getPricing ({ product: 'invoice_factoring' , amount: '50000.00' , term_days: 30 , risk_profile: { buyer_rating: 'AAA' , seller_rating: 'A+' , industry: 'technology' } }); // Response { "base_rate" : 0.02 , "risk_premium" : 0.005 , "final_rate" : 0.025 , "pricing_factors" : { "market_conditions" : { "liquidity" : "high" , "demand" : "moderate" , "adjustment" : - 0.002 }, "counterparty_risk" : { "buyer_score" : 95 , "seller_score" : 88 , "adjustment" : 0.003 }, "product_risk" : { "default_rate" : 0.001 , "recovery_rate" : 0.98 , "adjustment" : 0.002 } }, "expires_at" : "2024-06-25T13:00:00Z" }
🌍 Cross-Border Trade Finance Letters of Credit // Digital letter of credit const lc = await client . finance . createLetterOfCredit ({ importer: 'did:stateset:importer:usa123' , exporter: 'did:stateset:exporter:chn456' , amount: '500000.00' , currency: 'USDC' , goods_description: '1000 units Model X widgets' , shipping_terms: { incoterm: 'CIF' , port_of_loading: 'Shanghai' , port_of_discharge: 'Los Angeles' , latest_shipment: '2024-08-15' }, documents_required: [ 'commercial_invoice' , 'bill_of_lading' , 'packing_list' , 'certificate_of_origin' ], expiry_date: '2024-09-30' }); // Automated document verification via oracles const verification = await client . finance . verifyDocuments ( lc . id , { documents: uploadedDocs , verify_authenticity: true , check_compliance: true });
Trade Credit Insurance // Parametric insurance for trade finance const insurance = await client . finance . createTradeInsurance ({ policy_type: 'trade_credit' , insured_amount: '500000.00' , coverage: { non_payment: true , political_risk: true , currency_inconvertibility: false }, buyer: 'did:stateset:buyer:xyz789' , premium_rate: 0.015 , coverage_period: { start: '2024-07-01' , end: '2024-12-31' }, payment_method: 'usdc' }); // Smart contract automatically pays claims if ( paymentOverdue > 90 && verifiedDefault ) { await insurance . contract . payoutClaim ({ amount: insuredAmount , recipient: beneficiaryWallet }); }
📊 Liquidity Pools & Yield Liquidity Provider Program // Earn yield by providing liquidity const liquidityPosition = await client . finance . addLiquidity ({ pool: 'invoice_factoring_pool' , amount: '100000.00' , currency: 'USDC' , lock_period: '30_days' , min_yield: 0.08 // 8% APR minimum }); // Response { "position_id" : "lp_3k8mRx7nQ9" , "pool" : "invoice_factoring_pool" , "amount_deposited" : "100000.00" , "shares_minted" : "100000.00" , "current_apr" : 0.095 , "projected_yield_30d" : "791.67" , "risk_level" : "low" , "withdraw_available" : "2024-07-25T12:00:00Z" }
Yield Farming // Stake LP tokens for additional rewards const farming = await client . finance . stakeLPTokens ({ lp_token_id: 'lp_3k8mRx7nQ9' , farm: 'state_rewards_farm' , amount: '100000.00' }); // Earn both: // 1. Base APR from factoring fees (9.5%) // 2. STATE token rewards (3.2% additional) // Total APY: 12.7%
🔐 Security & Compliance Multi-Signature Workflows // Large transactions require multiple approvals const largeLoan = await client . finance . createLoan ({ amount: '1000000.00' , // $1M loan requires_multisig: true , approvers: [ 'did:stateset:officer:cfo' , 'did:stateset:officer:risk' , 'did:stateset:board:chair' ], threshold: 2 // 2 of 3 signatures required }); // Approval workflow for ( const approver of requiredApprovers ) { await client . finance . signApproval ( largeLoan . id , { signer: approver , decision: 'approve' , notes: 'Reviewed financials and risk assessment' }); }
Compliance Monitoring // Real-time compliance checking const compliance = await client . compliance . monitor ({ transaction_id: 'txn_abc123' , checks: [ 'sanctions_screening' , 'aml_monitoring' , 'kyc_verification' , 'regulatory_limits' ], jurisdictions: [ 'US' , 'EU' , 'UK' ] }); // Automatic reporting if ( compliance . flagged ) { await client . compliance . generateSAR ({ transaction_id: compliance . transaction_id , reason: compliance . flag_reason , submit_to: [ 'fincen' , 'eu_authorities' ] }); }
🚀 Advanced Features Parametric Insurance // Smart contract insurance const insurance = await client . finance . createParametricInsurance ({ trigger_type: 'oracle_data' , coverage_amount: '100000.00' , parameters: { weather_station: 'NOAA_SF_001' , trigger_condition: 'rainfall > 5_inches_24h' , measurement_period: '2024-07-01 to 2024-07-31' }, premium: '2500.00' , automatic_payout: true }); // Automatic claim payment when conditions met if ( oracleData . rainfall > triggeLevell ) { insurance . contract . payout (); }
AI-Powered Analytics // Machine learning risk assessment const riskAnalysis = await client . finance . analyzeRisk ({ entity: 'did:stateset:company:xyz' , analysis_type: 'comprehensive' , data_sources: [ 'financial_statements' , 'payment_history' , 'market_data' , 'social_sentiment' , 'supply_chain_data' ] }); // Response includes ML-generated insights { "risk_score" : 78 , "confidence" : 0.94 , "key_factors" : [ "Strong payment history (98% on-time)" , "Growing market share in sector" , "Diversified supplier base" ], "risk_factors" : [ "High customer concentration (top 3 = 60% revenue)" , "Increasing raw material costs" ], "recommended_limits" : { "factoring" : "250000.00" , "lending" : "100000.00" } }
By the Numbers
Metric Value Industry Comparison Funding Speed 2 minutes Banks: 3-6 months Transaction Cost $0.01 Banks: $25-100 Default Rate 0.1% Industry: 2-5% Borrower Satisfaction 98% Banks: 65% API Uptime 99.99% Enterprise standard Processing Capacity 10,000 TPS Unlimited scale
Success Stories Manufacturing SME in Vietnam
Needed $500K to fulfill large US order
Funded in 3 minutes vs 3 months traditional
Saved $15K in fees (3% vs 6% bank rate)
Scaled production 300% in 6 months
Tech Startup in Nigeria
Factored invoices for immediate cash flow
Accessed capital without US banking relationship
Reduced payment cycles from 90 to 2 days
Reinvested in R&D and hiring
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