Privacy-Preserving Invoice Factoring
Built on Aleo Blockchain
Companies sell the same invoice to multiple factors. Only one gets paid.
Invoices become cryptographic assets that are consumed during factoring. Their serial numbers are published on-chain, making re-use mathematically impossible.
Encrypted record on Aleo. Only owner can spend it.
One transaction: invoice consumed, serial published, payment sent.
Re-factoring attempts fail automatically. Protocol checks serial number.
Encrypted record minted on-chain
Compare rates and terms
Check serial unspent
Atomic swap completes
Invoice consumed → Serial published → Payment sent → Fraud prevented. All or nothing.
Invoice #1234 → Factor A
Serial SN-1234 published
Same Invoice #1234 → Factor B
SN-1234 already spent →
Rejected
Zero-knowledge circuits for private computation
Encrypted invoice records with UTXO semantics
Factor registry, settlement tracking
zkSNARKs prove legitimacy without revealing details. Atomic execution guarantees no partial failures.
| Data | Visibility | Protection |
|---|---|---|
| Invoice Amount | Business + Factor Only | Record encryption |
| Customer Identity | Business + Factor Only | Record encryption |
| Factoring Terms | Business + Factor Only | Record encryption |
| Business Relationships | Obfuscated | Pseudonymous addresses |
| Serial Numbers | Public | Required for fraud prevention |
Invoice amounts, customer IDs, payment terms, business relationships, cash flow patterns
Transaction occurrence, serial numbers, program function, transaction fees
Mathematically impossible to double-factor. No trust required.
Amounts, identities, relationships stay encrypted.
Instant invoice status checks. No waiting days.
Payment and transfer happen simultaneously. No risk.
Works across competitors without cooperation.
20-30% cost reduction vs traditional factoring.
Finality in <2 seconds. No settlement risk.
Public protocol metrics without compromising privacy.
0.1-0.25% of invoice value
$500-$5K/mo based on volume
$1K-$10K/mo aggregate insights
Custom private deployments, APIs
Core platform: invoice creation, fraud prevention, atomic swaps, marketplace, settlement
Partial factoring, recourse, syndication, mobile wallets, API integration
Credit scoring, analytics, cross-border, white-label, delegated proving
L2 scaling, supply chain integration, banking partnerships, multi-chain
5-10 progressive factors
100% fraud prevention
Value compounds
Adjacent markets
Mid-size factors ($50M-$500M AUM) losing $5M-$50M/yr to fraud
Industry conferences, trade pubs, direct outreach, partnerships
First-mover, network effects, technical complexity, patents
Accounting software, credit bureaus, trade associations, regulators
ZK Factor • Built on Aleo • Privacy-Preserving Invoice Factoring