TIFA turns real-world invoices into programmable on-chain assets, using autonomous finance agents to manage risk, liquidity, collections, and settlement in a fully automated and compliant real-economy
TIFA (Tokenized Invoice Finance Agent) is an autonomous RealFi infrastructure that transforms real-world invoices into programmable, on-chain financial assets.
Across global markets, invoices represent one of the largest yet most inefficient asset classes in the real economy. In B2B commerce, payments are typically settled 30 to 90 days after issuance, leaving companies exposed to prolonged cash-flow gaps. As a result, over $10 trillion in accounts receivable remains locked on corporate balance sheets worldwide at any given time.
Despite representing predictable and legally enforceable cash flow, invoices today exist as static accounting records inside ERP systems. They are disconnected from real-time liquidity, priced manually, and managed through fragmented processes involving human underwriting, email-based collections, and delayed settlement cycles. Late payments are common, financing decisions are slow, and operational costs remain high — especially as invoice volumes scale.
TIFA addresses this structural inefficiency by tokenizing accounts receivable and enabling autonomous finance agents to manage the full lifecycle of invoice-based cash flow. Instead of relying on manual intervention, invoices are minted as on-chain assets and can be used as collateral in compliant, permissioned liquidity pools.
Autonomous agents continuously monitor invoice states, due dates, counterparty risk, and pool utilization, executing financing and collection actions without manual intervention. Built for real-world finance rather than speculative DeFi, TIFA follows a compliance-first architecture, supports KYC/KYB-gated pools, and produces fully auditable cash-flow operations turning invoices from passive records into active financial infrastructure.
Why Now?
Because payment rails are becoming internet-native, stablecoins are widely used for B2B settlement, and enterprises are finally ready to adopt programmable finance layers. Without automation, invoice volumes simply cannot scale.
Real World Example
A B2B company issues a $100,000 invoice with a 60-day payment term. Instead of waiting two months for payment, the invoice is tokenized on TIFA and evaluated by autonomous finance agents. Based on risk and maturity, the invoice becomes eligible for financing at a 70% loan-to-value ratio, allowing the company to receive $70,000 in immediate liquidity.
The invoice token is locked as collateral in a permissioned liquidity pool while the agent monitors payment status and manages collections. In the future, the company can deploy this upfront liquidity into Mantle-native lending and borrowing protocols to further optimize yield and working capital efficiency. When the invoice is paid, settlement and yield distribution are executed automatically, and the invoice is closed without manual intervention.
Why Mantle
TIFA is built on Mantle Network because invoice finance requires low fees, fast finality, and deep liquidity integration. High-frequency financial actions such as invoice tokenization, status updates, agent-triggered executions, and settlement events must be cost-efficient and reliable at scale.
Mantle’s modular architecture and EVM compatibility make it well-suited for RealFi and RWA use cases, while its growing lending and borrowing ecosystem enables future composability. By building on Mantle, TIFA can seamlessly connect real-world cash-flow liquidity with Mantle-native money markets, allowing businesses to optimize working capital beyond simple financing.
During the hackathon, we built a working end-to-end prototype of TIFA, covering both on-chain and off-chain components. We implemented invoice tokenization as on-chain assets, a basic invoice lifecycle state machine (issued, financed, paid, defaulted), and a financing pool that allows invoices to be used as collateral. We also developed an autonomous finance agent that evaluates invoice risk, decides financing eligibility, and triggers financing and settlement actions automatically. On the application side, we built a dashboard to visualize invoices, agent actions, and financing status, along with backend services that connect ERP-style invoice inputs to on-chain execution. The system runs locally as a full-stack demo, showcasing how real-world invoices can be turned into autonomous, programmable financial instruments. Looking ahead, the architecture is designed to support x402-based payments and tokenized FX settlement flows, enabling cross-currency invoice financing and internet-native payment rails. The core infrastructure is intentionally built to be extensible, allowing these components to be integrated without redesigning the protocol or agent layer.
Backed and incubated by One Capital, an early-stage investment and venture-building firm focused on fintech, credit infrastructure, and digital asset platforms. One Capital has invested in and supported companies such as Colendi (a leading alternative credit scoring platform with extensive financial data), ColendiBank (Turkey’s first digital bank), and WhiteBIT TR (the Turkish subsidiary of one of Europe’s largest cryptocurrency exchanges). With this backing, TIFA is focused on building and validating real-world use cases, expanding protocol and agent capabilities, and growing ecosystem integrations aligned with RealFi and RWA infrastructure.