The full stack for tokenized receivables.
CMTAT v3.0.0 + FINMA 2018/3 + AI extraction + Polygon. Built in Switzerland, audited by Wake Arena, used in production at UBS, Taurus, and Syz Group.
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Contracts in demo
Demo suppliers
%
Field accuracy
/7
Finma modules audited
The four pillars
Extract. Score. Tokenize. Settle.
Each step is a separate module. Use one, use all four. The data flows from one to the next automatically.
Extract
AI-powered contract intelligence
- PDF, DOCX, EDI, scan — 95% field accuracy on a benchmark corpus of 1,200 contracts.
- Surfaces payment terms, renewal dates, obligations, penalties, governing law.
- Confidence score per field — humans review only low-confidence extractions.
Score
Capital-readiness model
- Per-receivable Capital Readiness Score (CRS) on a 0-100 scale, weighted by supplier risk, payment terms, contract type, renewal proximity.
- Stress-test tool runs 2%, 5%, 10% default scenarios across the whole portfolio.
- Concentration risk alerts when any supplier > 20% of spend.
Tokenize
CMTAT v3.0.0 + Swiss-DLT rule
- Mint as a CMTAT on Polygon. ERC-3643-compatible. Modular (BaseCore, BaseRuleEngine, BaseAllowlist).
- Swiss-DLT-specific rule: jurisdiction whitelist (CH/DE/AT/IT/FR), KYC verification, settlement-freeze.
- Pre-deal qualification only — published range, final terms on a live quote.
Settle
T+2 settlement oracle
- Settlement oracle watches the obligor's bank API and calls markSettled on payment confirmation.
- Token frozen from further transfers; issuer burns to retire the receivable.
- Investor capital returned per the term sheet. Audit log on-chain.
Integrations
Sits inside your existing stack.
QuickBooks on day one. SAP, NetSuite, DATEV on the roadmap. Polygon mainnet today, TON via Jamton in 25Q4.
Architecture
On-chain, off-chain, and the seam between.
Polygon mainnet / Amoy testnet
On-chain
- CMTAT v3.0.0 (per receivable)
- RuleEngine + Swiss-DLT rule
- IdentityRegistry (KYC, jurisdiction)
- Settlement oracle (bank API)
Swiss-hosted Postgres (Neon)
Application state
- Per-tenant isolation
- Zero model-training on customer data
- 30-day nDSG Art. 19 breach SLA
- Exportable as CSV / JSON
Immutable event history
Audit / on-chain log
- Every transfer emits TransferWithData
- Every detect emits Detection
- Block height visible in dashboard
- CSV export for the auditor
See the platform on your own contracts. Free.
20 demo contracts ready to explore. Or upload one of your own — it takes 8 seconds to extract.