Stripe for receivables: tokenized invoice links → instant settlement → on-demand advances. Buyer pays once; advances auto-repay; zk-reputation compounds limits, liquidity earns cashflow-backed yield.
B2B sellers, freelancers, and stablecoin earners wait 30–90 days to get paid while payroll, vendors, and ops costs are due now. In the U.S. alone, ~$3.1T sits trapped in outstanding invoices at any given time. Traditional factoring is slow, paperwork-heavy, and priced for institutions not modern internet businesses or crypto-native teams.
SETTL compresses invoicing + financing + settlement into one atomic on-chain flow:
Invoice Link: Create a Stripe-like payment link that mints a tokenized receipt (ERC-721) on Mantle
On-Demand Advance: Seller can request an advance (e.g., 70–80% LTV, tiered by
ZK-reputation) funded by on-chain liquidity pools and Increase LTV by verifying assets using zkTLS
Buyer Pays Once: A single stablecoin payment triggers settlement
Atomic Waterfall: One transaction executes: protocol fee → advance repayment → seller payout → reputation update - "One Click UX"
Every successful payment builds ZK-backed reputation (proofs without exposing sensitive data), unlocking higher limits and better pricing over time.
Liquidity providers fund advance pools and earn a target APY (depending on risk tier) from real cashflow (fees + credit spreads). Yield enhanced via on-chain Defi strategies.
Receivables are high-frequency, low-margin workflows. Mantle's low fees and fast finality make atomic settlement, micro-settlements, and partial repayments economically viable at scale.
Smart Contracts: ERC-721 Invoice tokenization with atomic settlement waterfall
Privacy Layer: zkTLS proofs (verify credentials without exposing raw data)
Vault System: Risk-tiered liquidity pools with dynamic LTV calculation
Reputation & Advance Engine: Request advance backed by Invoices and On-chain scoring that compounds with verifiable payment history
Composability: Tokenized asset can serve as collateral in other DeFi protocols & secondary markets
Live Demo: https://settl.monaris.co
Pitch Deck: https://docs.google.com/presentation/d/1UGk-VzsiLd5Rv6SNkxHwm0zMtrqq8CB4OoeX4kxUsxY/edit?usp=sharing
Document: https://docs.google.com/document/d/1aIVz6sUeTPg-uaFMQYYeiQd252lLE-MVicmK5yuwrgk/edit?usp=sharing
GitHub: https://github.com/Adityaakr/SETTL
How to Try (Mantle Sepolia)
Visit https://settl.monaris.co
Login with email (Privy embedded wallet)
Create wallet → copy address
Get Mantle Sepolia testnet faucet from https://www.hackquest.io/faucets/5003
Go to Settings → Mint Demo Tokens
Start testing the platform