An interoperable protocol inspired by Beckn principles, enabling banks, factors, fintechs and invoice registries to exchange financing opportunities through open standards instead of proprietary marketplaces.
Global invoice finance continues to rely on fragmented technology stacks, creating friction, duplicate integrations and limited liquidity.
Financial institutions participate in isolated proprietary platforms.
No universal mechanism to verify financing across networks.
Every marketplace requires independent API implementation.
Closed ecosystems reduce competition and innovation.
A protocol-driven ecosystem connecting participants through standardized interfaces.
Discover financing opportunities across participating institutions.
Increase transparency through interoperable invoice visibility.
Build once and connect across the ecosystem.
| Traditional Marketplace | OpenFactoring |
|---|---|
| Closed integrations | Open protocol |
| Platform ownership | Participant-owned ecosystem |
| Multiple API integrations | Single interoperable interface |
| Limited lender reach | Open lender discovery |
| Proprietary registry | Shared registry model |
OpenFactoring replaces transaction-based marketplace economics with a subscription model. Participants subscribe to network services rather than paying commissions on every invoice financed.
Transactions occur directly between participants. The protocol does not impose per-transaction marketplace charges.
Institutions pay predictable subscription fees for network access instead of variable transaction commissions.
Reduced intermediary costs improve efficiency and encourage broader lender participation.
Integrate once to connect with banks, Financial Institutions, factors, registries and service providers.
Every participant connects through interoperable APIs instead of a centralized marketplace.