The Problem
Small suppliers often wait 90+ days to get paid by large retailers. Banks frequently reject their loan applications because vetting small businesses is expensive and fraud risk (fake invoices) is perceived as high. This creates a cash-flow crunch that can kill healthy businesses.
The Solution
An SME Trucking or Logistics Company needing immediate working capital uses the Humanity RWA Platform to tokenize their unpaid invoices. By attaching a Proof of Trust score to these tokens within the platform ecosystem, they prove to lenders that the invoice is valid and that they have a history of successful deliveries.
How It Works
Verify once
The business owner scans their palm, linking their personal reputation to the business entity on the Humanity RWA Platform to ensure accountability.Generate compliance-friendly proofs (with consent)
The platform connects to shipping data and accounting software. It verifies "Goods Delivered" and "99% On-Time Record" to create a "High-Reliability Supplier" credential.Apply anywhere, online or in person
The company mints a token representing a $50,000 invoice. Lenders browsing the Humanity RWA Platform marketplace see the "High-Reliability" badge and fund it instantly at competitive rates.Reuse across borders and services
The company uses this verified track record to negotiate better insurance rates or fuel contracts with other providers integrated with the platform.
Benefits & Results
For the Tokenizer: Immediate payment for work done, smoothing cash flow.
Fair access at scale: Funding is based on verified performance data, not company size.
Lower onboarding costs: Lenders rely on cryptographic proof rather than manual audits.
Instant Inclusion: The gap between "work done" and "getting paid" is closed.
