How it works

From invoice to liquid asset, in minutes.

Fluvius wraps your payables into programmable, transferable assets — and gives both sides of every invoice a better deal.

Agreement

You and your supplier agree on terms: amount, maturity, interest. Fluvius records it as a payment agreement between the two companies.

Credit check

Fluvius runs a credit assessment on the buyer. This backs the payment agreement and sets the risk profile for anyone holding it later.

Asset created

A digital, transferable payment agreement is created on the Fluvius ledger — representing the obligation. It's fully divisible, so it can be held, transferred, or redeemed early in any combination of partial amounts.

Circulate or cash out

Hold it to maturity and collect in full. Pay another supplier with it at face value. Or settle early in exchange for an early-payment discount you offer your buyer. Your choice, every time.

Before & after

The same business. A completely different feeling.

Before Fluvius: chasing, factoring, worrying. Drowning in paper and reminders. After Fluvius: the AI Mediator handles the negotiation, suppliers get paid the way they want, and AP starts earning.

A 30-day cycle

Follow a £120,000 invoice
through the network.

One payment agreement can settle multiple obligations before it ever matures. Watch what happens when a payable moves through a real supply chain.

Early cash-out

One click in the platform.

No credit facility application. No paperwork. No waiting.

Day 0

Buyer A

Owes Supplier B £120,000 on 30-day terms. Buyer A creates a Fluvius payment agreement.

Day 0

Supplier B

Receives the payment agreement at face value. No invoice finance needed.

Day 8

Supplier B

Pays its own supplier C with the agreement — face value, zero cost.

Day 22

Supplier C

Needs cash. Offers Buyer A a 2% early-payment discount and settles in one click — no credit facility application, no paperwork, no waiting.

Day 22

Buyer A

Accepts the discount and pays £117,600 — 8 days before the original Day 30 maturity. Earns £2,400 in 8 days: ~93% annualised yield on AP.

Day 30

Everyone

Original maturity. The supply chain just moved liquid — and every party came out ahead.

The buyer bonus

Every day you hold,
you earn.

Because your cash isn't going out the door the moment you accept an invoice, Fluvius lets you put it to work. On-time payment stops being a duty — it becomes yield. AP turns into a revenue line item that compounds month over month.

See the benefits for your business.

Explore the benefits →