Live
SettleThe feeding wedge
Collect USD, pay Southeast Asia. Every approved payout builds verified counterparties and settlement history.
USD → PHP · live on testnetSupply loop · Roadmap
Roadmap· coming capability, subject to licensing
Your invoices areworking capital.
Splash is building buyer-funded early payment on the same settlement rail that moves your payouts today. No third-party lender — your buyer's approved USD, released early against an invoice you both already trust.
- Funded by
- The buyer, not a lender
- Rail
- Same one payouts use
- Control
- Approval-gated, human-final
Invoice face value$100,000
- Settles
- Today · same rail
- Supplier receives
- $98,800
- Discount
- 1.2% · $1,200
Buyer earns $1,200 on idle USD held ~90 days — ≈ 4.9% p.a.
The buyer's own approved USD, released early over Splash. No factoring house, no credit line, no lender between you.
Buyer-fundedNo lenderApproval-gatedIllustrative
The Receivable
An invoice that carriesits own settlement history.
In plain finance terms: a Receivable would be an invoice object that remembers how it gets paid — who approved it, on what rail, with what proof. History a lender would charge you to underwrite, your buyer can simply read.
Issued between verified businesses.
A Receivable would only exist between two KYB-verified counterparties already transacting on Splash — the same verification that gates every payout today.
KYB-gated on both sides
Carries its settlement history.
Quotes, approvals, receipts, and settlement proof would anchor to the invoice itself — an invoice that shows how reliably it gets paid.
Audit spine attached
Safe to pay early.
A receivable with a clean, verifiable history is the safest thing to fund early. No guesswork, no external credit file — the record is the underwriting.
History a buyer can read
Buyer-funded discounting
Early payment,without a lender.
Dynamic discounting is a trade between two parties who already trust each other: the buyer puts idle USD to work, the supplier turns a due date into cash flow. Splash would only referee the exchange.
Buyer offers early payment.
Your buyer sees an approved 90-day invoice and offers to pay it now — with their own USD already on the settlement rail.
Buyer-initiated
Supplier accepts a discount.
You choose per invoice: the full amount on the due date, or a small discount today. No obligation either way.
Per-invoice choice
Settlement, no lender.
The buyer’s own funds would settle the early payment over Splash — no factoring house, no credit line, no lender between you.
No third-party lender
Where Supply fits
One rail,three loops.
Settle is live and feeds the loop with verified counterparties and settlement history. Supply would compound it into working capital. Save keeps idle balances tidy in between.
Roadmap· subject to licensing
SupplyWorking capital
Invoices would become working capital: your buyer funds early payment against a receivable whose settlement history both sides can verify.
Buyer-funded · no third-party lender Live
SaveBalance hygiene
Idle USD follows a projected, variable treasury posture. Your business approves every move.
Projected · variable · human-approvedShape the build order
Early interest decideswhich corridor is first.
Dynamic discounting is a coming capability, subject to licensing. Registering interest does not create a financing commitment — it tells us which corridors to build first.