The next – generation
credit finance platform

that will redefine the invoice financing industry by introducing a decentralized infrastructure to the market

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Key Features

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Open Permissioned Blockchain Platform

Access to permissioned data sharing on an open blockchain platform

INVIOU’s technology establishes a revolutionary form of interaction between invoice Sellers, Buyers & Payers, where all parties can directly connect on a decentralized open source platform by smart contracts.

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Smart Ownership & Invoice Lien System

Innovative system for records ownership and invoice lien management

INVIO’s solution creates a new global standard for invoice financing. By using Blockchain, nullifies fundamental risks in the current factoring and guarantees highly durable, secure, and indisputable financial registry.

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Anti Fraud & Risk Elimination Mechanisms

Built-in Financial Record Anti Fraud mechanism

INVIOU uses high level industry standards to achieve end-to-end encryption of financial records data.
That means no sensitive data leaves any of the client machine unencrypted and associated with an owner. INVIOU implemented ERC standards onto the platform in order to create a new financial records solution, maximizing the abilities of smart contracts.

Grow your SMBs with INVIOU

95%

SMBs represent more than 95% of total businesses within the OECD

33%

SMBs contribute more than 33% of GDP in most OECD countries

10%

Invoice factoring industry growing 10% YOY

35%

Highly expensive short-term loans cost – Up 35% interest for invoice factoring

How it Works

INVIOU creates a next generation blockchain-based platform, aims to revolutionize the standard SMB finance methods and eliminate the need for slow, costly, and high-risk credit financing which currently exist in the industry.
INVIOU ’s platform is designed to offer new solutions for SMB, allowing its participants to be globally connected with credit financing entities and invoice factoring companies.
While utilizing blockchain technology as the main database for SMB records; these will be stored transparently to be released with permission to lenders for review of SMB financial information, as well as for the verification and auditing of invoices sold to factors.

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Invoice Seller
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Invoice Payer
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Invoice Buyer
Invoice Seller
Unpaid invoices worth money.

INVIOU ​open new opportunities for SMBs to address cash flow needs, by establishing the first blockchain platform to directly connect with lenders and invoice factoring entities. By using INVIOU’s platform you’ll get access to a new, fast and inexpensive funding options and financial management.

Invoice Payer
Get reward for invoice verification.

INVIOU offers an innovative way to get rewarded without any effort!
The entity who will pay the debt of the record, this is the entity/customer who will receive goods or services from the Seller, will be rewarded by INVIOU’s smart contract when verifying an invoice on the platform.

Invoice Buyer
Lend your money to SMBs.

INVIOU allows investors to reach a new and innovative investment opportunities. INVIOU offers risk analysis and management tools, using AI and credit scoring protocols to enhance efficiency and profitability.
When financing an invoice, a Buyer becomes a owner of the financial record.

Unpaid invoices worth money.

INVIOU ​open new opportunities for SMBs to address cash flow needs, by establishing the first blockchain platform to directly connect with lenders and invoice factoring entities. By using INVIOU’s platform you’ll get access to a new, fast and inexpensive funding options and financial management.

Get reward for invoice verification.

INVIOU offers an innovative way to get rewarded without any effort!
The entity who will pay the debt of the record, this is the entity/customer who will receive goods or services from the Seller, will be rewarded by INVIOU’s smart contract when verifying an invoice on the platform.

Lend your money to SMBs.

INVIOU allows investors to reach a new and innovative investment opportunities. INVIOU offers risk analysis and management tools, using AI and credit scoring protocols to enhance efficiency and profitability.
When financing an invoice, a Buyer becomes a owner of the financial record.

Looking to the Future

Operating a Marketplace on INVIOU’s Platform

As a cutting-edge FinTech company, INVIOU’s vision is to be the world’s leading financial records Blockchain registry, serving as a digital validator and oracle of data and ownership authenticity by allowing financial institutions to integrate and operate on top of INVIOU’s infrastructure, offering businesses a fair opportunity to overcome cash flow struggle with reasonable cost.

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Roadmap

  • Founded by Dror Shapira & Yair Zehavi

    Past – Prototype

    Creation of invoices on blockchain

    2017
  • MVP in motion and core team setup.

    Yesterday – Development

    Coding and Infrastructure
    Advisory board establishment

    2018 H1
  • Going Live

    Today – MVP

    Standard invoice import and registration
    Ownership and lien management
    Community and branding buildup

    2018 Q3
  • Worldwide marketing

    Tomorrow – Market Penetration

    Growing Community
    Early adopters on-boarding
    Early adopters on-boarding

    2018 Q4
  • Community Services

    Near Future – Early Majority

    Invoice financing smart contracts
    P2P Marketplace
    Enhanced features operations
    Cross platform digital invoice API
    IOU / promissory note management

    2019 H1
  • Advanced FinTech Services

    Future – Mass Usage

    Automated credit scores
    Debt trading & derivatives
    Accounting & regulatory reporting

    2019 H2

The Token

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VIOU Token

VIOU will be implemented on the platform as an ERC-20 Ethereum-based smart contract token, meaning it can be stored in any Ethereum ERC-20 supporting wallet.

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Smoothing the
Processes

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The System’s
Engine

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Authentication
and Validation

VIOU facilitates the seamless execution for all invoice transfer-related functions including pledge and redemption as well as selling and purchasing.

The VIOU token serves as the central driver behind the functions of the INVIOU ecosystem; and all system activities will require its use exclusively.

Perform all technical functions of data analysis, ownership, comparison, and index hashing.

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Smoothing the
Processes

VIOU facilitates the seamless execution for all invoice transfer-related functions including pledge and redemption as well as selling and purchasing.

viou_icon2
The System’s
Engine

The VIOU token serves as the central driver behind the functions of the INVIOU ecosystem; and all system activities will require its use exclusively.

viou_icon3
Authentication
and Validation

Perform all technical functions of data analysis, ownership, comparison, and index hashing.

Token Economy

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The Team & advisors

Dror Shapira, CEO & Founder

Financing and risk expert. Mr. Shapira acted as Project Finance Manager at Shapir Engineering, where he led multi million NIS financing packages. Later on, Shapira served as head of finance and risks at S.Shlomo Holdings LTD leading billions of NIS capital market issuing.




Yair Zehavi, CPO & Founder

Serial entrepreneur and FinTech specialist.
Zehavi was a key figure in building the Israeli national savings exchange, processing multi millions funds and data transactions on a daily basis, where he served as Deputy CEO.
Formerly, Zehavi held executive and managerial positions at both startups and leading tech companies such as NICE and Amdocs.




Erez Tison, CTO

Experienced software architect, Blockchain and AI enthusiast. Prior to joining INVioU, Erez held key technological positions and served as the CTO, VP R&D and Chief Architect at various companies, including VATBox, NowForce, Skillogic and others.




Ido Eliashar, Products & Community

Blockchain enthusiastic.
Mr Eliashar served as a Strategic Consultant for a wide range of SMBs in Israel.
Additionally, Eliashar worked as a Deputy COO at Muvix LTD.




Slomi Zeltsinger, Blockchain Developer

Adept Bitcoin and Ethereum developer. Since 2014. Mr Zeltsinger conducted courses, consulted companies and created blockchain solutions and codes for various companies.




Advisors

Mr. Eyal Ben-Chelouche

Served as Commissioner of Capital Market Insurance Savings at the Israeli Ministry of Finance. served as an Investment Officer in the Foreign Exchange Department of the Bank of England.

Professor George Giaglis

A Director of the Institute for the Future at the University of Nicosia, as well as a leading expert on blockchain technology and applications and advisor to many blockchain projects and technology start-ups.




Mr. Ophir Gertner

Co-founder of Smartologic Technologies, stands in the forefront of Blockchain industry applications. Formerly Co-Founder @Stox (raised $33 million), innovative prediction markets using crypto-currency.




Mr. Shaul Levi

A serial entrepreneur mostly active in Israel, EU & US Silicon Valley. Recently, Levi served as the Chief Scientist and Head of Innovation Center of AVAST (previously at AVG). Previously, founded Gilian / Breach security Inc.




In the media

FAQs

  • What is INVIOU?

    INVIOU is developing a next-generation, blockchain-based platform which aims to revolutionize the standard SMB finance methods and eliminate the need for the slow, costly, and high-risk credit solutions which currently exist in the industry.

  • What is Invoice Financing?

    A common method used by SMBs to address open payments is the conversion of outstanding invoices for cash. In this process, known as “invoice factoring” or “discounting” (depending on the method used), the invoice financing company assumes the responsibility for the invoice collection and typically pays upfront a percentage of the invoiced amount, with the rest deducted as the factoring fee once the invoice is paid.

  • What problem INVIOU solves?

    While factoring/discounting companies offer alternative options for SMB cash flow repair, these methods remain problematic in their current state, hindering SMBs’ operability and growth as they wait through extensive verification and invoice review processes, draining time and incurring significant fees of up to 35% interest in the process.

  • How does INVIOU solves this problem?

    By harnessing blockchain technology, SMBs can benefit from a revolutionary way of cash flow optimization. INVIOU’s groundbreaking technology will grant SMBs access to international capital through a decentralized peer-to-peer network, where private individuals and entities can function as lenders and grant loans from anywhere in the world, while eliminating costly intermediaries and cumbersome bureaucracy. For SMBs seeking ready lenders, the pool of possibilities will be dramatically widened.

  • How Does INVIOU prevents fraud?

    Using blockchain’s inherited abilities as a distributed record of ownerships isn’t enough, Therefore, INVIOU created a built-in financial record anti-fraud mechanism which allows encryption and decryption of sensitive data sharing as well as ownership and validation management tools. Fraudulent behaviour related to SMBs selling the same invoice to several lenders will be eliminated once the invoice is recorded on INVIOU’s open blockchain network, and can only be liened or sold via the platform and by it’s rightful owner . Furthermore, as an innovative player in the industry, INVIOU believes that in order to minimize fraudulent activity and increase efficiency, a sophisticated way of communication between financial institutions must occur, where encrypted data regarding loan portfolios and clients can be shared without revealing sensitive information.

  • How can I participate in INVIOU’s private pre-sale?

    Please subscribe to our mailing list for more information regarding the private pre-sale.

  • What is the difference between a Seller, Buyer and a Payer?

    The Seller sells financial records to the Buyer (lander) and the Payer is the Sellers customer which validates the financial records’ authenticity.

  • When will I be able to give/grant a loan through INVIOU?

    INVIOU’s P2P marketplace is scheduled to launch on 2019 H1.

  • Would be any landing limitations in the marketplace?

    Yes, there will be limitations of a total amount and percentage of a cretin invoice that a Seller can sell according to the Seller’s credit score.

Contact us

Please join INVIOU’s mailing list for more information and updates:

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