Capital that moves at the speed of software. Invest in vetted, tokenized receivables with the underwriting shown in the open — and borrowers get financed in days, not weeks.
Senior — invested on-chain through the marketplace, just connect a wallet (no account). Junior — the first-loss tranche, funded only by registered lenders (sign in required).
Seeking financing instead? Apply as a Borrower →
Whether you’re deploying capital or seeking financing, every workflow is designed around your role.
Invest as Junior · Lenders
Every deal arrives with a transparent AI risk score — counterparty quality, document provenance, expected yield — so you know exactly what you are funding.
Each participation is an ERC-6960 token with a full audit trail. Ownership, transfers, and settlements are transparent and immutable.
AI cross-checks the shipment documents — bill of lading, packing list, delivery note — for consistency and fraud signals before a deal reaches you, so the trade behind your money is real.
Ask questions about your positions and the deals in front of you in plain language — the copilot answers against your actual portfolio, and shows its working.
Senior deposits are backstopped by the Polytrade insurance pool, earmarked in TRADE at twice their value before the deposit is accepted — and the reserves are published on-chain for anyone to check.
Prefer the senior tranche? Invest as Senior on-chain →
For Borrowers
Upload your trade documents and receive an AI-underwritten term sheet within hours — not weeks. No banker or broker required.
Add your trade license, VAT certificate, and shipping paperwork once — AI reads them, strengthens your credit profile, and speeds approval. Stronger documentation, better terms.
Track your deal through every stage — AI review, KYC, syndication, and settlement — all visible in one dashboard.
Complete KYC once, digitally. Your verified profile is reused for every subsequent deal on the platform.
A pool of institutional lenders compete for your deal, driving financing rates lower than traditional bank lines.
Process
From a receivable to funded capital — a pipeline that used to take weeks, compressed into days.
Borrowers upload trade documents — invoices, purchase orders, shipping records — and our AI extracts key deal parameters in minutes.
Corporate documents — trade licenses, VAT certificates — are read by AI and folded into the credit assessment. Every deal is graded on counterparty quality, document authenticity, and repayment probability, producing a transparent risk score and term sheet.
Approved receivables are tokenized on-chain and offered as ERC-6960 fractional participations to matched institutional lenders.
Shipment documents — bills of lading, packing lists, delivery notes — are cross-checked by AI, and bank advices verified against the deal. Repayment flows back through the vault on-chain, where lenders claim their principal and yield.
Protection
On-chain credit has usually asked you to trust a spreadsheet you cannot see. Here the cover sits in wallets you can open, and every layer between your money and a bad trade is named up front.
Before a senior deposit is accepted, twice its value is earmarked in TRADE from the Polytrade treasury. A share of every platform fee tops the pool up as the book grows.
Where a deal is tranched, junior capital sits underneath the senior tranche and absorbs losses first. Each deal page shows the cushion in full before you commit.
The treasury and insurance wallet addresses are published on every deal, with live balances and the resulting coverage ratio. Check them yourself on Polygonscan — you do not have to take our word for it.
Coverage is finite and sized per deal rather than unlimited — the protection panel on each deal shows exactly what is earmarked against it, so you can price the risk you are actually taking.
Invest as senior on-chain through the marketplace, or as junior by registering as a lender — or bring a receivable to finance.