credara
Built on Polygon for UAE stablecoin and SME trade finance rails

Tokenized receivables, smart LCs, and on-chain trade credit.

Credara helps SMEs, buyers, and financiers convert verified invoices, delivery proof, and settlement events into finance-ready receivables on Polygon — with stablecoin settlement and enterprise-grade compliance workflows.

Credara trade finance flow

Experimentable
Receivables eligible for finance
£182,700

Buyer-confirmed invoices + verified delivery proof + Polygon proof receipt + Smart LC settlement.

▤
Invoice confirmedBuyer validates obligation
Trade
◎
Proof anchored on PolygonProofRegistry + ReceivableRegistry
On-chain
£
Stablecoin settlementMock USDC now, AED stablecoin-ready
Payment
Product focus SME trade finance infrastructure

Not a generic wallet or marketplace. Credara converts verified commerce into financeable proof.

Polygon rail Amoy-ready

ProofRegistry, SmartLC, receivables, and score attestations.

Settlement Stablecoin-ready

Mock USDC now; AED stablecoin path for UAE adoption.

Launch context UAE / DIFC

Designed for regulated SME trade corridors and fintech partners.

Built for a real market gap

One integrated platform for verified trade, capital access, and settlement.

Credara is designed around the Polygon challenge requirement: tokenized receivables, smart contract-based letters of credit, and on-chain trade credit scoring for SMEs.

$2T+global trade finance gap Credara targets
40%SME applications rejected due to weak evidence
7–10dmanual LC processing Credara compresses
15M+TEUs at Jebel Ali scale opportunity

How Credara works from invoice to settlement.

This is the complete product flow judges and enterprise users should understand before entering the demo workspace.

1
Invoice is created and confirmedThe SME creates an invoice and the buyer confirms the trade obligation.
2
Delivery proof is verifiedOTP, buyer confirmation, timestamp, and logistics signals create proof confidence.
3
Proof is anchored on PolygonPrivate documents stay off-chain while proof hashes and lifecycle events become verifiable receipts.
4
Receivable becomes finance-readyThe verified invoice becomes a tokenized receivable available for financier review.
5
Smart LC settles with stablecoinsEscrow releases funds only when agreed delivery and proof conditions are satisfied.
Verify trade

Turn invoices and delivery proof into trusted evidence.

Credara captures buyer confirmation, delivery evidence, OTP/QR handover, dispute state, and payment terms in one structured workflow.

Buyer-confirmed invoice state
Delivery proof confidence scoring
KYB and risk controls before financing
▤
Invoice INV-2025-045Buyer confirmed · £24,500
Verified
✓
Delivery proofOTP + buyer confirmation + timestamp
High confidence
K
KYB profileBeneficial ownership and sanctions checks
Review
Anchor on Polygon

Keep documents private, but make proof verifiable.

Private commercial records stay off-chain. Credara anchors proof hashes and lifecycle events through Polygon contracts, giving financiers and auditors tamper-evident receipts.

ProofRegistry for invoice and delivery bundle hashes
ReceivableRegistry for tokenized receivable state
CreditScoreAttestation for on-chain score snapshots
Polygon proof receipt Proof anchored Network: Polygon Amoy · Chain ID: 80002
Tx: 0x7f3a9e2b4c8f01aa...ab24c
◎
ProofRegistryInvoice + delivery bundle hash
On-chain
◈
ReceivableRegistryReceivable token/reference state
On-chain
Settle with Smart LC

Stablecoin escrow that releases only when trade proof is verified.

Credara’s Smart LC workflow replaces slow paper-heavy processing with condition-based settlement: fund, verify, release, dispute, refund, or expire.

Mock USDC settlement in demo mode
AED stablecoin-ready design for UAE adoption
Dispute locks and admin/risk controls
1
LC fundedBuyer or financier funds escrow
Mock USDC
2
Delivery verifiedProof conditions met
Release enabled
3
Settlement releasedSeller payout recorded
Settled
Developer infrastructure

APIs and webhooks for fintechs, lenders, and trade platforms.

Credara should be adopted as infrastructure, not only as a dashboard. Developers can integrate proof anchoring, receivable creation, Smart LC settlement, and credit-score reads.

API-first integration for lending and merchant platforms
Webhook events for receivable, proof, LC, and score changes
Polygon transaction references exposed to enterprise systems
POST /api/v1/proofs/anchor
{
  "invoice_id": "INV-2025-045",
  "proof_bundle_hash": "0xproof45",
  "network": "polygon-amoy"
}

GET /api/v1/businesses/acme/trade-credit-score

Built for enterprise reliability and auditability.

The UI should show that Credara is not only a workflow tool. It is an operational layer with relayers, indexers, outbox jobs, audit trails, and compliance controls.

Relayer outboxRetries failed Polygon writes safely
Indexer syncReconciles on-chain state into dashboards
Audit logsEvery sensitive action records who, what, why
Risk controlsDispute locks, KYB review, manual overrides

UAE corridor use case: Jebel Ali supplier financing.

A verified SME supplier delivers goods to a buyer, anchors proof on Polygon, tokenizes the receivable, and receives a finance offer before the buyer’s payment term expires.

SME Supplier
Buyer
▤
Invoice confirmed£24,500 receivable
Verified
◎
Polygon receiptProofRegistry transaction
Anchored
£
Finance offer80% advance available
Offer

See the enterprise workflow in action.

Open the demo workspace to create an invoice, confirm delivery, anchor proof on Polygon, create a receivable, approve financing, and release a Smart LC settlement.