SMEPulse

A decentralized application for SME invoice financing on the Mantle Network, enabling real-world asset tokenization and DeFi solutions for trade finance.

🎯 The Problem We Solve

Small and Medium Enterprises (SMEs) face a critical cash flow gap in global trade finance. When SMEs deliver goods or services, they often wait 30-90 days for payment from clients, creating liquidity challenges that can:

• Limit Growth: Unable to take on new orders due to cash flow constraints

• Increase Costs: Forced to seek expensive short-term financing

• Risk Business: Cash flow gaps can threaten business continuity

• Reduce Competitiveness: Cannot offer competitive payment terms to clients

Traditionally, invoice factoring and trade finance solutions are expensive, slow, and often exclusive to established businesses.

✨ Our Solution

SMEPulse revolutionizes trade finance through Real-World Asset (RWA) tokenization on the Mantle Network:

🏭 For SMEs (Invoice Issuers)

• Instant Liquidity: Convert invoices to NFTs and sell them immediately

• Transparent Pricing: Market-driven pricing with clear terms

• Global Access: Reach international investors without intermediaries

• Lower Costs: Reduced fees compared to traditional factoring

💰 For Investors (Invoice Buyers)

• Real-World Returns: Earn yields from actual business transactions

• Diversified Portfolio: Invest across different industries and geographies

• Transparent Risk: Clear invoice details and SME information

• Liquid Assets: Trade invoice NFTs on secondary markets

🔄 How It Works

1. SME Tokenization: SMEs mint their invoices as NFTs with metadata

2. Marketplace Listing: Invoices appear on the investor marketplace

3. Investor Purchase: Investors buy invoice NFTs at a discount using MNT

4. Client Payment: When due, clients pay the full invoice amount

5. Automatic Settlement: Smart contracts distribute payments to investors

🚀 Key Features:

⚡ Mantle Network Integration

Optimized for Mantle Sepolia Testnet with high-performance L2 capabilities.

🤖 Automated Invoice Settlement

Smart contract-driven payment distribution ensures investors receive their funds automatically upon client repayment.

🚀 Live Demo & Links

• Latest Deployment: https://smepulse.onrender.com/

• PitchDoc

⛓️ Smart Contract on Mantle Sepolia

• Network: Mantle Sepolia Testnet (Chain ID: 5003)

• RPC URL: https://rpc.sepolia.mantle.xyz

• Explorer: Mantle Sepolia Explorer

• Token Symbol: MNT

📋 Deployed Contract Addresses (Mantle Sepolia)

Note: Update these addresses in your .env file after deployment.

💡 Why Mantle Network?

Mantle is the perfect layer-2 blockchain for SMEPulse:

🚀 Performance & Innovation

• Hyper-Low Fees: Cost-effective transactions for high-volume invoice processing

• Fast Finality: Quick transaction confirmation for immediate liquidity

• Modular Design: Enhanced scalability and data availability

🏢 Developer & User Friendly

• EVM Compatibility: Full Ethereum tooling support

• MNT Native Token: Streamlined utility and governance

• Growing Ecosystem: Robust institutional and community support

🛠️ Tech Stack

Blockchain & Smart Contracts

• Solidity: Smart contract development (v0.8.20)

• OpenZeppelin: Security-audited contract libraries

• Hardhat: Development environment and testing

• Mantle Network: L2 infrastructure for scaling

Frontend & Web3

• React.js: Modern frontend framework

• Vite: Fast build tool and dev server

• Ethers.js v6: Web3 library for blockchain interactions

• Tailwind CSS: Utility-first styling framework

📱 Usage Guide

For SMEs (Small & Medium Enterprises)

1. Connect Wallet: Connect your MetaMask wallet

2. Access SME Dashboard: Navigate to the SME Dashboard

3. Create Invoice: Fill in invoice details (client, amount, due date)

4. Set Sale Price: Choose your discount rate for immediate liquidity

5. Tokenize: Mint your invoice as an NFT on Mantle

6. Receive Payment: Get immediate payment when an investor buys your invoice

For Investors

1. Connect Wallet: Connect your MetaMask wallet with MNT tokens

2. Browse Marketplace: View available invoice NFTs

3. Analyze Opportunities: Check ROI, due dates, and risk factors

4. Purchase Invoices: Buy invoice NFTs at discounted prices

5. Track Portfolio: Monitor your investments and returns

6. Collect Returns: Receive full invoice value when clients pay

Empowering global trade through decentralized finance on Mantle Network