Fintech · Blockchain 2025

Trust Chain

Supply Chain Financialisation

Turn invoices into instant liquidity

A hybrid supply chain financialisation platform that bridges physical logistics with blockchain-based asset tokenization — giving Turkish SMEs access to real-time invoice financing without waiting 90 days.

Early access All projects
48h Liquidity offer turnaround
4 Platform layers
90 Avg. days SMEs wait for payment
RWA Invoice-backed tokenization

Problem

Turkish SMEs are cash-starved while waiting

Turkey has one of the strongest logistics networks in the region — yet SMEs routinely wait 60–90 days for invoice payments, with no accessible bridge financing in the meantime.

Payment delays

SMEs issue invoices and wait 60–90 days for payment — during which they still need to cover operational costs.

Inaccessible credit

Traditional bank credit is expensive and slow. Factoring companies exist but digital access remains fragmented.

Fragmented data

Logistics, ERP, and financial systems don't talk to each other — making real-time asset valuation nearly impossible.

Trust gap

Finance partners can't verify invoice authenticity or cargo status in real time, slowing down every deal.

Solution

Four layers, one seamless flow

A vertically integrated platform that digitalises the entire invoice financing lifecycle — from physical cargo to tokenised asset to mobile liquidity offer.

  1. 01

    Data integration & oracle layer

    Python-based algorithms pull data from logistics and ERP systems, verify physical conditions (location, customs status, temperature), and trigger smart contracts automatically when criteria are met.

  2. 02

    Asset tokenisation (RWA)

    Physical goods in transit and verified invoices are converted into Asset-Backed Tokens on-chain. Companies can use these tokens as collateral to access micro-financing before the buyer pays.

  3. 03

    iOS mobile interface

    Complex blockchain and logistics data is distilled into a clean, interactive mobile experience. Managers track cargo location and token value simultaneously — and accept financing offers in a single tap.

  4. 04

    Zero-knowledge privacy layer

    ZKP protocols allow companies to prove a transaction is valid — without revealing confidential commercial data like supplier names or pricing — keeping sensitive information off public ledgers.

Product

Native iOS — built for decision makers

Designed for operations managers and CFOs who need real-time visibility over both physical and financial asset states — in one pocket-sized interface.

  • 01

    Invoice upload & tracking

    Upload PDF invoices, set amounts and due dates, and track verification status in real time. Push notifications fire the moment a financing offer arrives.

  • 02

    48-hour liquidity offers

    Once an invoice is verified, finance partners submit offers within 48 hours. Accept or reject with full fee transparency — amount, rate, and expiry visible at a glance.

  • 03

    Token value dashboard

    View the current token value of in-transit goods alongside their GPS location. Financial and physical state unified in a single screen.

  • 04

    Secure admin panel

    Embedded admin mode for finance partners — verify invoices, submit offers, and manage disbursements without a separate dashboard or third-party tooling.

  • 05

    Full transaction history

    Every disbursement and repayment is logged immutably. Companies have a permanent, auditable record of all financing activity.

Market opportunity

A structural gap in Turkish fintech

Total addressable

$3.4T

Global supply chain finance market (2030 projection)

Regional target

3.4M

SMEs in Turkey lacking access to digital invoice financing

Structural gap

90 days

Average invoice payment wait — the problem we eliminate

Business model

Revenue from every financing event

Platform fees are collected at the point of value exchange — keeping the model aligned with SME success.

1–2%

Platform fee

Collected on each successful financing transaction between SME and finance partner.

SaaS

Partner access

Monthly subscription for factoring companies and banks accessing the verified invoice pipeline.

API

ERP integration

Enterprise licensing for companies connecting their existing ERP systems to the oracle layer.

RWA

Token issuance

Fee collected per tokenised asset batch — unlocking on-chain secondary market liquidity.

Roadmap

Build → validate → scale

Phase 1
Q2–Q3 2025
  • iOS MVP shipped
  • Supabase backend + RLS
  • Invoice upload & tracking
  • Admin panel (offers)
  • Push notifications
✓ Completed
Phase 2
Q3–Q4 2025
  • 3 pilot SME clients
  • 1 factoring partner live
  • ERP data connector (v1)
  • Real disbursements
⚡ Active
Phase 3
Q1–Q2 2026
  • On-chain tokenisation
  • ZKP privacy layer
  • Multi-partner marketplace
  • BDDK compliance filing
Phase 4
Q3 2026+
  • MENA expansion
  • Secondary token market
  • DeFi liquidity pools
  • Series A funding

Technology

Infrastructure & stack

SwiftUI

Native iOS UI. Declarative, performant, and built for complex real-time data flows.

Swift 5.9+

Structured concurrency with async/await. Factory DI + @Observable MVVM architecture.

Supabase

PostgreSQL backend with RLS security. Real-time subscriptions and Edge Functions for push triggers.

Python

Oracle layer for ERP data ingestion, invoice validation logic, and smart contract triggers.

Polygon

EVM-compatible chain for invoice-backed token issuance. Low fees, high throughput.

APNs

Apple Push Notification service integrated via Supabase Edge Functions for real-time offer alerts.

Begin

Have a similar vision?

If you have an idea in fintech, supply chain, or native mobile — let's talk.

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