ChaiTrade Logo

ChaiTrade

Invoices settle late.
Capital shouldn't.

Convert unpaid MSME invoices into fundable assets with locked capital and automatic settlement. Built for Indian MSMEs waiting 45–90 days to get paid.

Blockchain Secured
ZK-Privacy Layer
Auto Settlement
Upload Invoice

Live on Avalanche Fuji

Testnet MVP

Protocol Guarantees

Four invariants. Every transaction.

Hardcoded rules enforced unconditionally by the protocol

One invoice, one asset

A core protocol rule enforced unconditionally by the smart contract on every transaction.

One invoice, one asset
enforced
double-mint rejected

Locked until settlement

enforced
withdraw blocked

Settlement is irreversible

enforced
reversal rejected

Principal ≥ investment

A core protocol rule enforced unconditionally by the smart contract on every transaction.

Principal ≥ investment
enforced
underpayment blocked

Try It Live

Interactive Demo

Experience the complete invoice financing flow in real-time

ChaiTrade LogoChaiTrade Demo
created
fundable
locked
settled

Drop invoice here or click to browse

Supports PDF, PNG, JPG

System Events

Waiting for actions...

Active Market

Latest Invoices

Browse and fund verified invoices from MSMEs

View All Invoices →

How It Works

State machine flow

Every invoice follows a deterministic path from creation to settlement

01

Invoice becomes fundable asset

CREATED → FUNDABLE

02

Capital locked in escrow

FUNDABLE → LOCKED

03

Buyer payment triggers settlement

LOCKED → SETTLING

04

Principal + interest distributed

SETTLING → SETTLED

Privacy by Design

Zero-knowledge verification

Proof without disclosure

Data Type
Visibility
Invoice document
Not revealed
Buyer identity
Not revealed
Contract terms
Not revealed
Payment settlement
Cryptographically proven
Amount owed
Cryptographically proven

Groth16 ZK-SNARKs prove creditworthiness above threshold without revealing exact scores. Test with wallet →

Powered by Kite AI

Autonomous AI Underwriting

Every invoice is autonomously assessed by a Kite AI agent — fraud detection, credit scoring, and risk analysis logged immutably on-chain before a single rupee moves.

🔍 Invoice #INV-047 — fraud score: 08/100 — APPROVED for listing📊 Wallet 0x4f2c…9ab1 — credit tier: PREMIUM — APR set to 11.5%⛓️ Kite attestation committed — tx: 0x7f3a8b…c891d2🔐 Groth16 ZK proof verified on-chain — BN254 curve — 214ms🤖 AI agent assessed 3 invoices in the last 60 seconds📈 Invoice #INV-052 — risk tier: LOW — funded in 4.2 min🛡️ Forgery pattern detected in INV-089 — REJECTED by AI agent✅ Credit oracle updated — 12 new wallet profiles scored🔍 Invoice #INV-063 — fraud score: 03/100 — APPROVED for listing⚡ Kite AI agent processed 847 invoices this epoch🔍 Invoice #INV-047 — fraud score: 08/100 — APPROVED for listing📊 Wallet 0x4f2c…9ab1 — credit tier: PREMIUM — APR set to 11.5%⛓️ Kite attestation committed — tx: 0x7f3a8b…c891d2🔐 Groth16 ZK proof verified on-chain — BN254 curve — 214ms🤖 AI agent assessed 3 invoices in the last 60 seconds📈 Invoice #INV-052 — risk tier: LOW — funded in 4.2 min🛡️ Forgery pattern detected in INV-089 — REJECTED by AI agent✅ Credit oracle updated — 12 new wallet profiles scored🔍 Invoice #INV-063 — fraud score: 03/100 — APPROVED for listing⚡ Kite AI agent processed 847 invoices this epoch

Attestation Pipeline

01Invoice Upload
MSME submits image
02AI Analysis
Groq OCR + fraud
03Credit Score
On-chain wallet data
04Risk Tier
APR calculated
05Kite Attest
Tx hash logged
View on Kite ExplorerZK Privacy Demo →

Why This Matters

63M

MSMEs affected

Operating within 45-90 day payment cycles

45–90 days

Payment delay

Revenue confirmed but capital locked

Limited

Formal credit access

Working capital constraints force compromises

See it work

Upload an invoice. Watch the protocol enforce settlement.

Upload InvoiceBrowse Invoices

Avalanche Fuji Testnet · No Real Funds