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 vendor 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 vendor with it at face value. Or settle early in exchange for an early-payment discount you offer your buyer. Your choice, every time.
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, vendors get paid the way they want, and AP starts earning.
Follow a $150,000 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.
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.