Turn unpaid invoices into instant liquidity
LiquiFact is an invoice financing network on Stellar. SMEs tokenize receivables and get paid today; investors fund them through a transparent Soroban escrow and earn yield backed by real trade.
INV_0002 · Northwind Textiles
API status: checking…
From invoice to cash in four steps
Every step is backed by the escrow contract, so funds only move when the rules allow it.
SME submits an invoice
Upload an unpaid B2B invoice with amount, debtor and due date. LiquiFact lists it on the marketplace.
Investors fund it
Investors browse open invoices and contribute stablecoins. Funds go straight into a Soroban escrow contract.
SME gets paid today
Once the funding target is reached the SME withdraws liquidity instead of waiting 30–90 days.
Settlement pays investors
When the debtor pays, the escrow settles and investors claim principal plus the agreed yield.
Working capital without the waiting
On-chain escrow
A Soroban smart contract holds every investor contribution, with explicit states for open, funded and settled.
Fast and low-cost
Stellar settles in seconds for fractions of a cent, so small invoices are economical to finance.
Built-in safeguards
Legal holds, allowlists, investor caps, funding deadlines and maturity locks are enforced by the contract.
Transparent yield
Yield is set in basis points per invoice and visible before you commit — no hidden spreads.
Global by default
Any SME with a Stellar wallet can raise against receivables; any investor can participate.
Open API
A documented REST API powers the app and lets partners integrate invoice origination.
Deployed escrow contract
Investor funds are held by this contract until the invoice settles.
Build on the LiquiFact API
List invoices, submit new ones, record funding and read live escrow state from Soroban — all documented with OpenAPI.
Ready to see it in action?
Browse live invoices or inspect the escrow contract on stellar.expert.