TIFA - Tokenized Invoice Finance Agent

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.