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Finance API: Revolutionizing Trade Finance

StateSet’s Finance API transforms traditional trade finance by leveraging blockchain technology and stablecoins to provide instant liquidity, automated compliance, and global accessibility. Eliminate weeks of waiting and mountains of paperwork with our programmable finance infrastructure.

🌟 Why StateSet Finance?

Instant Liquidity

Factor invoices and access capital in minutes, not months

Global Reach

Finance trade in 195+ countries with built-in compliance

Smart Automation

AI-powered risk assessment and automated payment flows

📊 Impact Metrics

$500M+
Trade Financed
2 min
Avg. Funding Time
2.5%
Avg. Discount Rate
99.8%
Repayment Rate

🚀 Quick Start

import { StateSet } from '@stateset/sdk';

const stateset = new StateSet({ apiKey: 'sk_test_...' });

// Factor an invoice for instant liquidity
const factoring = await stateset.finance.factorInvoice({
  invoice_id: 'inv_12345',
  amount: '50000.00',
  discount_rate: 0.025, // 2.5% discount
  buyer_id: 'buyer_abc123',
  recourse: false // Non-recourse factoring
});

console.log(`Received ${factoring.advance_amount} USDC instantly`);
// Output: Received 48750.00 USDC instantly

💼 Product Suite

Invoice Factoring

Transform outstanding invoices into immediate working capital with our AI-powered factoring platform.

Purchase Order Financing

Fund production and fulfill large orders without depleting working capital.

Dynamic Discounting

Optimize payment timing between buyers and suppliers with win-win early payment discounts.

For Buyers

  • Earn 15-30% APR equivalent returns
  • Strengthen supplier relationships
  • Improve supply chain resilience

For Suppliers

  • Access early payment on demand
  • Predictable cash flow
  • Lower financing costs

💵 Invoice Factoring API

Factor Invoice

POST /v1/finance/invoices/factor
Request Body:
{
  "invoice_id": "inv_12345",
  "amount": "50000.00",
  "currency": "USDC",
  "discount_rate": 0.025,
  "buyer": {
    "id": "did:stateset:buyer:abc123",
    "credit_rating": "AAA",
    "payment_history": "excellent"
  },
  "terms": {
    "net_days": 30,
    "due_date": "2024-07-25"
  },
  "recourse": false
}
Response:
{
  "factoring_id": "fact_8y4mQr5oP2",
  "invoice_id": "inv_12345",
  "status": "FUNDED",
  "advance_amount": "48750.00",
  "discount_amount": "1250.00",
  "discount_rate": 0.025,
  "funded_at": "2024-06-25T12:05:00Z",
  "maturity_date": "2024-07-25T23:59:59Z",
  "transaction_hash": "0x742d35Cc6634C0532925a3b8D097C00D4dfece08"
}

Get Factoring Options

GET /v1/finance/invoices/{invoice_id}/factoring-options
Response:
{
  "invoice_id": "inv_12345",
  "amount": "50000.00",
  "options": [
    {
      "provider": "StateSet Pool Alpha",
      "discount_rate": 0.02,
      "advance_amount": "49000.00",
      "funding_time": "instant",
      "recourse": false,
      "rating": "AAA"
    },
    {
      "provider": "Institutional Lender",
      "discount_rate": 0.015,
      "advance_amount": "49250.00",
      "funding_time": "1_hour",
      "recourse": false,
      "rating": "AA+"
    }
  ],
  "risk_assessment": {
    "buyer_score": 95,
    "payment_probability": 0.99,
    "recommended_rate": 0.02
  }
}

Track Factored Invoice

GET /v1/finance/factoring/{factoring_id}
Response:
{
  "id": "fact_8y4mQr5oP2",
  "invoice_id": "inv_12345",
  "status": "ACTIVE",
  "amount": "50000.00",
  "advance_paid": "48750.00",
  "discount": "1250.00",
  "days_remaining": 15,
  "payment_tracking": {
    "buyer_notified": true,
    "payment_link_sent": true,
    "reminder_sent": false
  },
  "timeline": [
    {
      "event": "FACTORED",
      "timestamp": "2024-06-25T12:05:00Z",
      "amount": "48750.00"
    },
    {
      "event": "BUYER_NOTIFIED",
      "timestamp": "2024-06-25T12:06:00Z"
    }
  ]
}

📦 Purchase Order Financing API

Finance Purchase Order

POST /v1/finance/purchase-orders/finance
Request Body:
{
  "purchase_order_id": "po_67890",
  "supplier_id": "did:stateset:supplier:xyz789",
  "buyer_id": "did:stateset:buyer:abc123", 
  "amount": "100000.00",
  "currency": "USDC",
  "financing_terms": {
    "advance_percentage": 0.8,
    "fee_percentage": 0.03,
    "payment_terms": "net_60"
  },
  "delivery_terms": {
    "incoterm": "FOB",
    "expected_delivery": "2024-08-15",
    "delivery_address": "123 Main St, San Francisco, CA"
  },
  "collateral": {
    "type": "purchase_order",
    "insurance_required": true
  }
}
Response:
{
  "financing_id": "pof_9x3kLm8nR5",
  "purchase_order_id": "po_67890",
  "status": "APPROVED",
  "advance_amount": "80000.00",
  "total_fees": "3000.00",
  "funding_schedule": [
    {
      "milestone": "ORDER_CONFIRMED",
      "amount": "40000.00",
      "funded_at": "2024-06-25T12:10:00Z"
    },
    {
      "milestone": "PRODUCTION_COMPLETE",
      "amount": "40000.00",
      "estimated_date": "2024-08-01"
    }
  ],
  "repayment_due": "2024-10-15",
  "contract_address": "stateset1contract456..."
}

Get Financing Options

GET /v1/finance/purchase-orders/{po_id}/financing-options
Response:
{
  "purchase_order_id": "po_67890",
  "amount": "100000.00",
  "supplier_rating": "A+",
  "buyer_rating": "AAA",
  "financing_options": [
    {
      "provider": "StateSet Capital",
      "advance_percentage": 0.85,
      "fee_rate": 0.025,
      "approval_time": "instant",
      "requirements": ["insurance", "shipping_docs"]
    },
    {
      "provider": "Trade Finance Pool", 
      "advance_percentage": 0.8,
      "fee_rate": 0.02,
      "approval_time": "2_hours",
      "requirements": ["credit_check", "collateral"]
    }
  ],
  "risk_factors": {
    "supplier_history": "excellent",
    "product_category": "low_risk",
    "shipping_route": "established",
    "insurance_available": true
  }
}

🏦 Collateralized Lending API

Create Loan Request

POST /v1/finance/loans/request
Request Body:
{
  "borrower_id": "did:stateset:borrower:def456",
  "loan_amount": "25000.00",
  "currency": "USDC",
  "loan_purpose": "working_capital",
  "term_months": 12,
  "collateral": [
    {
      "type": "cryptocurrency",
      "asset": "STATE",
      "amount": "50000.00",
      "current_value": "50000.00",
      "ltv_ratio": 0.5
    },
    {
      "type": "invoice",
      "asset_id": "inv_78901",
      "face_value": "15000.00",
      "ltv_ratio": 0.8
    }
  ],
  "requested_rate": 0.08
}
Response:
{
  "loan_id": "loan_5z8nPq3oW7",
  "status": "PENDING_APPROVAL",
  "requested_amount": "25000.00",
  "approved_amount": "25000.00",
  "interest_rate": 0.075,
  "term_months": 12,
  "monthly_payment": "2256.50",
  "total_collateral_value": "65000.00",
  "ltv_ratio": 0.38,
  "approval_time": "instant",
  "funds_available": "2024-06-25T12:15:00Z"
}

Loan Management

POST /v1/finance/loans/{loan_id}/drawdown
Request Body:
{
  "amount": "25000.00",
  "destination_wallet": "stateset1borrower123...",
  "purpose": "Inventory purchase for Q3 orders"
}
Response:
{
  "drawdown_id": "draw_4k7mLx9nQ2",
  "loan_id": "loan_5z8nPq3oW7",
  "amount": "25000.00",
  "funded_at": "2024-06-25T12:20:00Z",
  "transaction_hash": "0x9f2e45Bb8734C1523456a7b9E087F00E4dfebe19",
  "repayment_schedule": [
    {
      "payment_number": 1,
      "due_date": "2024-07-25",
      "principal": "1923.17",
      "interest": "333.33",
      "total": "2256.50"
    }
  ]
}

🎯 Automated Risk Management

Credit Scoring

// Real-time credit assessment
const creditScore = await client.finance.assessCredit({
  entity_id: 'did:stateset:company:abc123',
  factors: [
    'payment_history',
    'financial_statements', 
    'industry_trends',
    'blockchain_activity'
  ]
});

// Response
{
  "entity_id": "did:stateset:company:abc123",
  "credit_score": 785,
  "rating": "A+",
  "factors": {
    "payment_history": {
      "score": 95,
      "on_time_percentage": 0.98,
      "avg_days_early": 2.3
    },
    "financial_health": {
      "score": 88,
      "debt_to_equity": 0.35,
      "current_ratio": 2.1
    },
    "blockchain_activity": {
      "score": 92,
      "transaction_volume": "500000.00",
      "network_reputation": "excellent"
    }
  },
  "recommended_limits": {
    "factoring": "100000.00",
    "lending": "50000.00",
    "trade_finance": "250000.00"
  }
}

Dynamic Pricing

// Market-driven interest rates
const pricing = await client.finance.getPricing({
  product: 'invoice_factoring',
  amount: '50000.00',
  term_days: 30,
  risk_profile: {
    buyer_rating: 'AAA',
    seller_rating: 'A+',
    industry: 'technology'
  }
});

// Response
{
  "base_rate": 0.02,
  "risk_premium": 0.005,
  "final_rate": 0.025,
  "pricing_factors": {
    "market_conditions": {
      "liquidity": "high",
      "demand": "moderate",
      "adjustment": -0.002
    },
    "counterparty_risk": {
      "buyer_score": 95,
      "seller_score": 88,
      "adjustment": 0.003
    },
    "product_risk": {
      "default_rate": 0.001,
      "recovery_rate": 0.98,
      "adjustment": 0.002
    }
  },
  "expires_at": "2024-06-25T13:00:00Z"
}

🌍 Cross-Border Trade Finance

Letters of Credit

// Digital letter of credit
const lc = await client.finance.createLetterOfCredit({
  importer: 'did:stateset:importer:usa123',
  exporter: 'did:stateset:exporter:chn456',
  amount: '500000.00',
  currency: 'USDC',
  goods_description: '1000 units Model X widgets',
  shipping_terms: {
    incoterm: 'CIF',
    port_of_loading: 'Shanghai',
    port_of_discharge: 'Los Angeles',
    latest_shipment: '2024-08-15'
  },
  documents_required: [
    'commercial_invoice',
    'bill_of_lading',
    'packing_list',
    'certificate_of_origin'
  ],
  expiry_date: '2024-09-30'
});

// Automated document verification via oracles
const verification = await client.finance.verifyDocuments(lc.id, {
  documents: uploadedDocs,
  verify_authenticity: true,
  check_compliance: true
});

Trade Credit Insurance

// Parametric insurance for trade finance
const insurance = await client.finance.createTradeInsurance({
  policy_type: 'trade_credit',
  insured_amount: '500000.00',
  coverage: {
    non_payment: true,
    political_risk: true,
    currency_inconvertibility: false
  },
  buyer: 'did:stateset:buyer:xyz789',
  premium_rate: 0.015,
  coverage_period: {
    start: '2024-07-01',
    end: '2024-12-31'
  },
  payment_method: 'usdc'
});

// Smart contract automatically pays claims
if (paymentOverdue > 90 && verifiedDefault) {
  await insurance.contract.payoutClaim({
    amount: insuredAmount,
    recipient: beneficiaryWallet
  });
}

📊 Liquidity Pools & Yield

Liquidity Provider Program

// Earn yield by providing liquidity
const liquidityPosition = await client.finance.addLiquidity({
  pool: 'invoice_factoring_pool',
  amount: '100000.00',
  currency: 'USDC',
  lock_period: '30_days',
  min_yield: 0.08 // 8% APR minimum
});

// Response
{
  "position_id": "lp_3k8mRx7nQ9",
  "pool": "invoice_factoring_pool",
  "amount_deposited": "100000.00",
  "shares_minted": "100000.00",
  "current_apr": 0.095,
  "projected_yield_30d": "791.67",
  "risk_level": "low",
  "withdraw_available": "2024-07-25T12:00:00Z"
}

Yield Farming

// Stake LP tokens for additional rewards
const farming = await client.finance.stakeLPTokens({
  lp_token_id: 'lp_3k8mRx7nQ9',
  farm: 'state_rewards_farm',
  amount: '100000.00'
});

// Earn both:
// 1. Base APR from factoring fees (9.5%)
// 2. STATE token rewards (3.2% additional)
// Total APY: 12.7%

🔐 Security & Compliance

Multi-Signature Workflows

// Large transactions require multiple approvals
const largeLoan = await client.finance.createLoan({
  amount: '1000000.00', // $1M loan
  requires_multisig: true,
  approvers: [
    'did:stateset:officer:cfo',
    'did:stateset:officer:risk',
    'did:stateset:board:chair'
  ],
  threshold: 2 // 2 of 3 signatures required
});

// Approval workflow
for (const approver of requiredApprovers) {
  await client.finance.signApproval(largeLoan.id, {
    signer: approver,
    decision: 'approve',
    notes: 'Reviewed financials and risk assessment'
  });
}

Compliance Monitoring

// Real-time compliance checking
const compliance = await client.compliance.monitor({
  transaction_id: 'txn_abc123',
  checks: [
    'sanctions_screening',
    'aml_monitoring', 
    'kyc_verification',
    'regulatory_limits'
  ],
  jurisdictions: ['US', 'EU', 'UK']
});

// Automatic reporting
if (compliance.flagged) {
  await client.compliance.generateSAR({
    transaction_id: compliance.transaction_id,
    reason: compliance.flag_reason,
    submit_to: ['fincen', 'eu_authorities']
  });
}

🚀 Advanced Features

Parametric Insurance

// Smart contract insurance
const insurance = await client.finance.createParametricInsurance({
  trigger_type: 'oracle_data',
  coverage_amount: '100000.00',
  parameters: {
    weather_station: 'NOAA_SF_001',
    trigger_condition: 'rainfall > 5_inches_24h',
    measurement_period: '2024-07-01 to 2024-07-31'
  },
  premium: '2500.00',
  automatic_payout: true
});

// Automatic claim payment when conditions met
if (oracleData.rainfall > triggeLevell) {
  insurance.contract.payout();
}

AI-Powered Analytics

// Machine learning risk assessment
const riskAnalysis = await client.finance.analyzeRisk({
  entity: 'did:stateset:company:xyz',
  analysis_type: 'comprehensive',
  data_sources: [
    'financial_statements',
    'payment_history',
    'market_data',
    'social_sentiment',
    'supply_chain_data'
  ]
});

// Response includes ML-generated insights
{
  "risk_score": 78,
  "confidence": 0.94,
  "key_factors": [
    "Strong payment history (98% on-time)",
    "Growing market share in sector",
    "Diversified supplier base"
  ],
  "risk_factors": [
    "High customer concentration (top 3 = 60% revenue)",
    "Increasing raw material costs"
  ],
  "recommended_limits": {
    "factoring": "250000.00",
    "lending": "100000.00"
  }
}

📈 Performance Metrics

By the Numbers

MetricValueIndustry Comparison
Funding Speed2 minutesBanks: 3-6 months
Transaction Cost$0.01Banks: $25-100
Default Rate0.1%Industry: 2-5%
Borrower Satisfaction98%Banks: 65%
API Uptime99.99%Enterprise standard
Processing Capacity10,000 TPSUnlimited scale

Success Stories

Manufacturing SME in Vietnam
  • Needed $500K to fulfill large US order
  • Funded in 3 minutes vs 3 months traditional
  • Saved $15K in fees (3% vs 6% bank rate)
  • Scaled production 300% in 6 months
Tech Startup in Nigeria
  • Factored invoices for immediate cash flow
  • Accessed capital without US banking relationship
  • Reduced payment cycles from 90 to 2 days
  • Reinvested in R&D and hiring

Ready to access capital? Start your application →