Float

Invoice Factoring Protocol
SMEsgetpaidtoday,notin90days.

AcrosstheGCC,SMEswait60to90daysforinvoicepaymentswhilesuppliersandpayrollcannotwait.Floatchangesthat.BuiltonArc,aUSDC-nativeblockchainwithsub-secondfinality,everyadvance,everyrepayment,andeveryyielddistributionhappenson-chain.Nobanks.Nointermediaries.Nowaiting.Yourcreditscorebuildswitheveryon-timepayment,unlockinghigheradvanceratesovertime.

Read the docs
BuiltforSMEs.PoweredbyUSDC.
Transparentyieldforinvestors.

Your invoice.
Your terms.
Your yield.

01

Instant Advance.

  • Upload invoice → receive USDC same day
  • Advance rate 80-90% based on credit score
  • No bank approval, no paperwork
  • Recourse model: you stay in control
Get started
02

On-chain Credit Score.

  • Score built from your payment history
  • Higher score = higher advance rate (90% max)
  • Fully transparent, calculated on-chain
  • Resets never. Your history is permanent.
Get started
03

Investor Pool.

  • Deposit USDC, earn yield from invoice fees
  • Real-time pool share value on dashboard
  • Withdraw anytime (subject to liquidity)
Get started
For SMEs
Stopwaiting90daysforyourmoney.
01

Upload your invoice.

Enter the buyer address, invoice amount, and due date. Float calculates your advance rate instantly based on your on-chain credit score.

  • No paperwork or KYC
  • Buyer address is verified on-chain
  • Due date: 30 / 60 / 90 days
02

Receive USDC upfront.

The advance is sent to your wallet in the same transaction. No waiting, no approval process, no bank transfer delays.

  • 80-90% invoice advance
  • Funds arrive in seconds on Arc
  • Explicit fee, no hidden interest
03

Buyer pays at due date.

When the invoice matures, the buyer pays 100% directly to the Float contract. The pool is replenished, and your credit score improves.

  • Buyer pays full invoice value
  • 7-day grace period after due date
  • Your score improves with every paid invoice
04

Build your credit score.

Every on-time payment improves your on-chain credit score, permanently recorded on Arc. Higher score means higher advance rates, forever.

  • Score is public and immutable
  • Starts at 50 for new sellers
  • Reaches 90% advance at score 86+
Credit Score System

Pay on time. Unlock better rates.

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

80%

Fair

Score 41-70 · Building history

85%

Good

Score 71-85 · Strong track record

88%

Excellent

Score 86-100 · Top-tier seller

90%

Advance rate as % of invoice value

For Investors
Realyieldfromrealinvoices.
01

Deposit USDC into the pool.

Your USDC is deployed as liquidity for invoice advances. You receive pool shares representing your proportional ownership.

  • Minimum deposit: 100 USDC
  • Withdraw anytime (subject to utilization)
  • No lock-up period
02

Earn from the fee spread.

Every invoice advance charges a 1–5% origination fee. That fee goes directly to the pool, increasing share value over time.

  • Advance rate: 80-90% to seller
  • LPs capture 75% of invoice fees
  • Yield increases with invoice volume
03

Auto-compounding yield.

As invoices are repaid, the pool grows. Your share value increases continuously, with no manual reinvestment needed.

  • Yield accrues in real-time
  • Current pool APY: ~8.4%
  • Share value only goes up on repayment
04

Recourse protection.

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.

  • Seller liable on buyer default
  • Default rate: 0.8% (historical)
  • Defaulted invoices flagged, seller penalized
Estimated Returns

8.4% APY on idle USDC.

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.

DepositAnnual yieldMonthly
$1,000+$84+$7.00/mo
$5,000+$420+$35.00/mo
$10,000+$840+$70.00/mo
$50,000+$4,200+$350.00/mo

All amounts in USDC · APY 8.4% (demo)

Pool Stats · Live on Arc Testnet
Transparentbydesign.
Total Value Locked—USDC in pool
Target LP Yield8-10%modeled range
Funding Paths2pool or buyer-financed
Protection Layers3collateral, stake, insurance
Total Volume—Invoices processed
Buyer-financed LP Loss0%when buyer funds advance
Advance Range80-90%historical avg 80.0%
Settled Invoices—paid or defaulted
On-chain

Every transaction, on-chain.

All pool activity is recorded publicly on Arc Testnet. The public homepage keeps a simple view for customers. Detailed analytics can live in a separate dashboard later.

Invoices funded now

0

Invoices settled

0

Total invoice volume

—

Pool total assets

—

Available liquidity

—

Buyer-financed LP loss

0%

Live data · ArcScan ↗