Fylaro

Fylaro Finance is an end‑to‑end invoice tokenization and trading platform that enables businesses to convert commercial invoices into blockchain-native assets and access global investor liquidity. The system combines IPFS document storage, advanced credit scoring, a decentralized marketplace, automated settlement, and a unified ledger approach to provide fast, low-cost, auditable invoice financing for SMEs and institutional investors.

Key objectives :

- Provide working capital to businesses via tokenized invoices.

- Enable investors to buy fractional invoice exposure with transparent risk data.

- Support secondary trading with automated, auditable settlement.

- Demonstrate Finternet principles: single identity, cross-border interoperability, and unified settlement.

Core features

- Invoice tokenization (ERC-based tokens for fractional ownership)

- Automated KYC & fraud detection workflows

- Transparent credit scoring and recommendations

- Real-time payment tracking and notifications

- Listing and access to global investors

Key Innovation:

• Invoice Tokenization: Convert invoices into ERC-1155 fractional tokens for global investment

• Finternet Integration: Demonstrates unified identity, cross-border interoperability, and automated settlement

• Complete Ecosystem: 10 interconnected smart contracts providing comprehensive financial infrastructure

Other Features:

• For Businesses: Upload invoices, get instant credit scoring, access global capital markets

• For Investors: Diversified fractional investments with transparent risk data and secondary trading

• Platform: IPFS document storage, real-time WebSocket updates, automated settlement, AI-powered credit scoring

Technical Excellence:

• Frontend: React + TypeScript, Vite, Tailwind CSS with wallet integration

• Backend: Node.js/Express with WebSocket real-time communication

• Blockchain: Solidity smart contracts deployed on Arbitrum with comprehensive security

• Storage: IPFS (Pinata) for encrypted document management