SETTL — Programmable Cashflow Infrastructure (RealFi) on Mantle

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

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
  
  Smart Contracts Deployed (8 contracts on Mantle Sepolia):

  VITE_INVOICE_NFT_ADDRESS=0x1390ee7620bA700266dE5B2927a64D12106399eA

  VITE_INVOICE_REGISTRY_ADDRESS=0x0A4f9Dc794Cecf90a0d33cF67eD5aD9292d49Ccd

  VITE_USMT_PLUS_ADDRESS=0xa4f5B4abB3E21A583D02F8037dD2a4a6e24860fB

  VITE_VAULT_ADDRESS=0xe08A0008708b6B8Ee7a80A84EB64841fB3804542

  VITE_STAKING_ADDRESS=0x8469A7bcB7D1da08f58cD68Ef46B4cbF4A07F2bb

  VITE_ADVANCE_ENGINE_ADDRESS=0x1B6795D42eE201B10f878C36944212e17a5c7554

  VITE_REPUTATION_ADDRESS=0x1Ebc9bAb94F85830c346361Cf79bb43453098592

  VITE_SETTLEMENT_ROUTER_ADDRESS=0x01f2980E56EACC2be3654D843099Aa0a7FF20F30

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) "One Click UX"

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