AcrosstheGCC,SMEswait60to90daysforinvoicepaymentswhilesuppliersandpayrollcannotwait.Floatchangesthat.BuiltonArc,aUSDC-nativeblockchainwithsub-secondfinality,everyadvance,everyrepayment,andeveryyielddistributionhappenson-chain.Nobanks.Nointermediaries.Nowaiting.Yourcreditscorebuildswitheveryon-timepayment,unlockinghigheradvanceratesovertime.
Your invoice.
Your terms.
Your yield.
Enter the buyer address, invoice amount, and due date. Float calculates your advance rate instantly based on your on-chain credit score.
The advance is sent to your wallet in the same transaction. No waiting, no approval process, no bank transfer delays.
When the invoice matures, the buyer pays 100% directly to the Float contract. The pool is replenished, and your credit score improves.
Every on-time payment improves your on-chain credit score, permanently recorded on Arc. Higher score means higher advance rates, forever.
Your credit score is calculated entirely on-chain, as the ratio of invoices paid on time vs total invoices created. It is immutable, transparent, and improves automatically with every successful payment.
New
Score 0–40 · New to Float
Fair
Score 41–70 · Building history
Good
Score 71–85 · Strong track record
Excellent
Score 86–100 · Top-tier seller
Advance rate as % of invoice value
Your USDC is deployed as liquidity for invoice advances. You receive pool shares representing your proportional ownership.
Every invoice advance charges a 1–5% origination fee. That fee goes directly to the pool, increasing share value over time.
As invoices are repaid, the pool grows. Your share value increases continuously, with no manual reinvestment needed.
Float uses a recourse model. If a buyer defaults, the seller is liable. Investors are protected by the seller's stake and credit score system.
Rates are variable and based on pool utilization and invoice volume. The numbers below use the current pool APY of 8.4% for illustration.
Past performance is not indicative of future results. This is demo data.
All amounts in USDC · APY 8.4% (demo)
All pool activity is recorded publicly on Arc Testnet. Invoice advances, buyer repayments, and investor deposits are fully traceable. No hidden fees, no opaque accounting.
Invoices funded (active)
Invoices paid on-time
Invoices defaulted
Total invoice volume
Pool total assets
Share value
Live data · ArcScan ↗