SETTL — Programmable Cashflow Infrastructure for Receivables (RealFi) Built on Mantle Network

The Problem

B2B sellers, freelancers, and stablecoin earners wait 30–90 days to get paid while payroll, vendors, and ops costs are due now. In the U.S. alone, ~$3.1T sits trapped in outstanding invoices at any given time. Traditional factoring is slow, paperwork-heavy, and priced for institutions not modern internet businesses or crypto-native teams.

The Solution

SETTL compresses invoicing + financing + settlement into one atomic on-chain flow:

1. Invoice Link: Create a Stripe-like payment link that mints a tokenized receipt (ERC-721) on Mantle

2. On-Demand Advance: Seller can request an advance (e.g., 70–80% LTV, tiered by
   ZK-reputation) funded by on-chain liquidity pools and Increase LTV by verifying assets using zkTLS

3. Buyer Pays Once: A single stablecoin payment triggers settlement

4. Atomic Waterfall: One transaction executes: protocol fee → advance repayment → seller payout → reputation update - "One Click UX"

The Compounding Value

Every successful payment builds ZK-backed reputation (proofs without exposing sensitive data), unlocking higher limits and better pricing over time.

Liquidity providers fund advance pools and earn a target APY (depending on risk tier) from real cashflow (fees + credit spreads). Yield enhanced via on-chain Defi strategies.

Why Mantle

Receivables are high-frequency, low-margin workflows. Mantle's low fees and fast finality make atomic settlement, micro-settlements, and partial repayments economically viable at scale.

Technical Highlights

• Smart Contracts: ERC-721 Invoice tokenization with atomic settlement waterfall

• Privacy Layer: zkTLS proofs (verify credentials without exposing raw data)

• Vault System: Risk-tiered liquidity pools with dynamic LTV calculation

• Reputation & Advance Engine: Request advance backed by Invoices and On-chain scoring that compounds with verifiable payment history

• Composability: Tokenized asset can serve as collateral in other DeFi protocols & secondary markets

Links

Live Demo: https://settl.monaris.co

Pitch Deck: https://docs.google.com/presentation/d/1UGk-VzsiLd5Rv6SNkxHwm0zMtrqq8CB4OoeX4kxUsxY/edit?usp=sharing

Document: https://docs.google.com/document/d/1aIVz6sUeTPg-uaFMQYYeiQd252lLE-MVicmK5yuwrgk/edit?usp=sharing

GitHub: https://github.com/Adityaakr/SETTL

How to Try (Mantle Sepolia)

1. Visit https://settl.monaris.co

2. Login with email (Privy embedded wallet)

3. Create wallet → copy address

4. Get Mantle Sepolia testnet faucet from https://www.hackquest.io/faucets/5003

5. Go to Settings → Mint Demo Tokens

6. Start testing the platform