Bringing Safe & insured real world assets to Crypto natives
Shaping the future of Trade Finance
Polytrade brings safe and insurance backed real world assets to crypto
world. We will provide real world borrowers access to low interest and
swift financing to free up critical working capital, tapped from crypto
Tokenizing Real-World Invoices
POLYTRADE works on DeFi, a borderless financing infrastructure that
turns the ownership of real-world assets (“Receivables”) into
Harnessing Crypto Liquidity Pool
POLYTRADE enables harnessing the massive crypto liquidity pool and
addresses the gap in receivables financing by providing SMEs a new
source of funding
Offering Safe insurance backed investments to Crypto Investors
POLYTRADE provides a safe investment opportunity for Crypto
investors to sweat their crypto assets in real-world business use
Polytrade bridges the gaps in traditional receivables financing by
accessing untapped crypto liquidity. By onboarding on Polytrade,
Timely payments for sellers
Streamlined credit facility for buyers
Interest payments to crypto investors with insured and safe
investment in real-world assets
The most secured form of trade finance where open account trade
invoices are secured by insurance and assigned to a platform for
collection when due. It provides early liquidity to exporters and a
secured short-term liquid asset to investors/lenders.
Off-Balance Sheet Lending
When structured properly, selective receivables finance stays off a
company’s balance sheet. It has no impact on outstanding loans or
future requirements for lines of credit and similar funding.
Option to Prioritize Receivables
Companies can choose the receivables they want to submit for early
payment rather than offer up their entire rolling book of
receivables. As a result, they can better control their financing
Flexibility of Participation
Selective receivables finance allows companies to participate only
when needed. This helps businesses facing seasonal demand or during
periods of economic volatility.
Ability to Tap Multiple Funding Sources
Unlike other options, selective receivables finance allows companies
to incorporate multiple funders into a program. This reduces the
risks inherent in relying on a single financial institution
Onboarding of other supply chain finance services.
Launch of Service Provider Portal.
Setup of delegator mechanism for governance council.
Decentralisation score 75%
2022-Q4 | 2023-Q2
Cross chain portability enablement
Decentralisation score 90%
Complete decentralisation of trade finance protocol
Decentralisation score 100%
Frequently Asked Questions
In a normal business transaction a seller supplies goods to
buyers who usually repay them after a certain period of time.
The more reputed or larger the buyer the longer could be the
time in which the seller is paid.
However, sellers need the money in a shorter period of time to
fulfill their obligations.
Invoice financing facilities are methods where investors (
banks/ financial institutions) advance funds to the sellers
against their issued invoices.
Every business has their own terms of payments from buyers and
their suppliers. Usually there is a gap between when a business
needs to pay its suppliers and when a business gets paid from
the buyer. A business therefore needs money to bridge this gap.
That is where invoice financing comes into play.
The following parties are usually involved in the traditional
business model of invoice financing
Supplier - The customer who supplies the goods and is
usually the one who needs money
Buyer- The party who purchases goods from the supplier and
then has an obligation to pay the supplier money as per
Banks/Financial Institutions - These give money to the
supplier basis the invoice generated on buyer after doing
their own credit assessments on the supplier and buyer
Insurance Companies- They are used by banks to further
ensure that in case a buyer is not able to pay on time the
insurer pays off the outstanding against the invoice.
Shipping Companies - They are used to confirm if the invoice
has been shipped or not
Irrespective of the buyers and suppliers the financing of these
invoices is controlled be CEFI institutions. The role that they
play is getting investors on one side ( saving account holders)
and having the ability to know details about the buyer OR take
insurance on them. This leads to them being able to charge fees
in a non-transparent manner hurting both suppliers and buyers.
Using decentralisation we can get small investors to come and
lend to suppliers. The details about the buyer and rating can be
today be algorithmically determined using the publicly available
Thus we can eliminate/ reduce significantly the role of CEFI
institutions leading to system being more efficient.
Yes projects native coin TRADE will be an ERC- 20 Token.
A key requirement for our solution is low transaction costs. If
transactions costs are high then we won’t be able to compete
against CeFI institutions on cost. The second requirement is
that the transactions should be fast which would be a
competitive advantage against CeFI ecosystem.
To enable this we need a layer-2 solution which does the
operational heavy work and then is able to interact with the
ethererum chain to update the contracts. Matic is our preferred
solution for this.
Protocol will generate revenues by taking a small fraction of
the borrowing cost. This would then be utilized to further
strengthen the protocol, build reward mechanisms, enable more
CeFI buyers on platform etc.
The team is a combination of people having deep experience in
Trade Finance, Crypto and Fintech. You can check more details
abour the team on our home page.
While the project will start with focus on trade finance
eventually it would evolve into a full stack lending protocol
for small businesses.
$TRADE is the native coin of Polytrade protocol. Holding a $TRADE enables:
a) Token holders
Governance: Allows validated holders to influence protocols decisions
Staking Rewards: Stake $TRADE to get rewarded
b) Borrowers: Receive reduced interest rates for staked and payment done via TRADE tokens
c) Buyers: Receive discounts on invoices for settlements done on Polytrade platform
d) Service Providers: Receive TRADE for participating in trade finance economy by performing key tasks of KYC, document validation, credit evaluation and more.