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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

Invoice Factoring
Purchase Order Finance
Asset-Based Lending

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

// Finance a purchase order before fulfillment
const poFinancing = await stateset.finance.financePurchaseOrder({
  po_id: 'po_67890',
  amount: '100000.00',
  supplier_id: 'supplier_xyz789',
  delivery_date: '2024-08-15',
  collateral_type: 'buyer_guarantee'
});

console.log(`PO financed: ${poFinancing.funded_amount} USDC`);
// Funds released to supplier for production

// Borrow against tokenized assets
const loan = await stateset.finance.createLoan({
  collateral: {
    type: 'tokenized_inventory',
    value: '150000.00',
    token_ids: ['inv_token_123', 'inv_token_456']
  },
  loan_amount: '100000.00',
  term_days: 90,
  interest_rate: 0.08 // 8% APR
});

console.log(`Loan approved: ${loan.id}`);
// Instant USDC disbursement

💼 Product Suite

Invoice Factoring

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

How It Works

Submit Invoice: Upload or connect your invoice via API
Instant Assessment: AI evaluates buyer creditworthiness in seconds
Get Offer: Receive competitive factoring rate (typically 2-5%)
Instant Payment: Accept offer and receive USDC immediately
We Collect: We handle collection from your buyer at maturity

Benefits

⚡ Instant Liquidity: Access 95-98% of invoice value immediately
💰 Better Rates: 2-5% vs traditional 10-30%
🌍 Global Coverage: Factor invoices from buyers worldwide
🔒 Non-Recourse Options: Transfer credit risk to us
🤖 Automated Process: No paperwork or manual approvals

Eligibility

Invoice amount: $1,000 -$ 10,000,000
Buyer must be a registered business
Invoice must be for completed goods/services
Maximum term: 120 days
No previous factoring on same invoice

Purchase Order Financing

Fund production and fulfill large orders without depleting working capital.

Use Cases

Manufacturing: Fund raw materials and production costs
Wholesale: Purchase inventory for large orders
Import/Export: Finance international trade transactions
Seasonal Business: Handle demand spikes without cash strain

Smart Contract Protection

Funds held in escrow until milestones met
Automatic release based on IoT/delivery confirmation
Multi-party signatures for large transactions
Dispute resolution via on-chain arbitration

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

Metric	Value	Industry Comparison
Funding Speed	2 minutes	Banks: 3-6 months
Transaction Cost	$0.01	Banks: $25-100
Default Rate	0.1%	Industry: 2-5%
Borrower Satisfaction	98%	Banks: 65%
API Uptime	99.99%	Enterprise standard
Processing Capacity	10,000 TPS	Unlimited 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

Invoices API - Create and manage invoices
Purchase Orders API - PO management
Loans API - Lending operations
USDC Integration - Native USDC support
Orders API - Order management

Ready to access capital? Start your application →

​Finance API: Revolutionizing Trade Finance

​🌟 Why StateSet Finance?

Instant Liquidity

Global Reach

Smart Automation

​📊 Impact Metrics

​🚀 Quick Start

​💼 Product Suite

​Invoice Factoring

​Purchase Order Financing

​Dynamic Discounting

For Buyers

For Suppliers

​💵 Invoice Factoring API

​Factor Invoice

​Get Factoring Options

​Track Factored Invoice

​📦 Purchase Order Financing API

​Finance Purchase Order

​Get Financing Options

​🏦 Collateralized Lending API

​Create Loan Request

​Loan Management

​🎯 Automated Risk Management

​Credit Scoring

​Dynamic Pricing

​🌍 Cross-Border Trade Finance

​Letters of Credit

​Trade Credit Insurance

​📊 Liquidity Pools & Yield

​Liquidity Provider Program

​Yield Farming

​🔐 Security & Compliance

​Multi-Signature Workflows

​Compliance Monitoring

​🚀 Advanced Features

​Parametric Insurance

​AI-Powered Analytics

​📈 Performance Metrics

​By the Numbers

​Success Stories

​🔗 Related APIs

Finance API: Revolutionizing Trade Finance

🌟 Why StateSet Finance?

📊 Impact Metrics

🚀 Quick Start

💼 Product Suite

Invoice Factoring

Purchase Order Financing

Dynamic Discounting

💵 Invoice Factoring API

Factor Invoice

Get Factoring Options

Track Factored Invoice

📦 Purchase Order Financing API

Finance Purchase Order

Get Financing Options

🏦 Collateralized Lending API

Create Loan Request

Loan Management

🎯 Automated Risk Management

Credit Scoring

Dynamic Pricing

🌍 Cross-Border Trade Finance

Letters of Credit

Trade Credit Insurance

📊 Liquidity Pools & Yield

Liquidity Provider Program

Yield Farming

🔐 Security & Compliance

Multi-Signature Workflows

Compliance Monitoring

🚀 Advanced Features

Parametric Insurance

AI-Powered Analytics

📈 Performance Metrics

By the Numbers

Success Stories

🔗 Related APIs