Innflux - World's First Composable Credit Layer

Unsecured Institutional Lending

Innflux is the world's first composable credit layer. Supply, borrow, and unlock institutional liquidity.

Automated Risk Engine

One unified risk score to credit risk businesses utilising all available on-chain and off-chain indicators.

Composable Collateral

Deposit USDT or Staked AMM LP positions as collateral. RWA yield without unwinding AMM positions.

Permissionless Lending

Unlocking retail Defi liquidity for TradeFi credit lines.

How it Works

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Deposit USDT or LP NFT

Earn yield by depositing USDT or LP NFT into our protocol. Your deposits are secured by smart contracts and can be withdrawn anytime. Each deposit is carefully managed with real-time risk assessment and automated yield optimization.

Finance Invoice data ZKTLS

Through our Financial Data ZKTLS system and credit line processing, enterprises can access credit lines while maintaining privacy and security.

Credit Line to Customer

Qualified customers receive instant credit lines based on their invoice data and risk assessment. Our protocol automatically manages credit distribution, repayment tracking, and yield distribution to depositors.

What We're Building

Current DeFi solutions cover mostly restrictive collateralised capital limited to other crypto-assets.

Innflux is bridging this gap to turn institutional real-time trade flows into credit lines.

Innflux is the first credit layer to recycle idle DEX liquidity into risk adjusted trade-finance lines for emerging-market SMEs—combining real-time on-chain risk scoring with off-chain invoice, bank and bureau data.

Innflux is solving the multi-trillion dollar institutional credit gap in frontier markets.

Stablecoins have already solved a medium of exchange problem for cross-border settlements.

Yet, credit access to enterprises is still gate-kept via private lenders.

Traditional banks price cross-border credit risk conservatively in emerging markets sticking to outdated frameworks that omit on-chain activity and stable coin usage.

This reliance on outdated risk frameworks renders them unable to provide appropriate credit to growing enterprises.

Borrowing

Uncollateralised Institutional Credit in minutes.

Credit lines
$250k–$10M with dynamic quotes.
Hybrid scoring
on-chain cash-flow + off-chain bureaus + custom weights.
Powered by FluxScore.
No crypto collateral
Trade history backed lines.
Built in fiat ramps
bridge secured credit lines to fiat instantly.
Fully Compliant
Innflux monitors all lender wallets for AML, FATCA compliance checks.

Lending

Lend Anything. Earn Real-World USDC Yield.

Plug in any asset
stablecoins, out-of-range Uni V3 LP ERC 721's.
DeFi composability
Get composable tokens in exchange for liquidity and wrap your receipt token to farm, leverage, or restake elsewhere.
Instant exits
withdraw any time with zero lock-ups.
Transparent risk
see borrower score and payment streams onchain.
Best risk adjusted returns
Insurance layer buys bad debt in case of any delays.

Secure.
Onchain.

Lenders enjoy defi's composability with treasury backed risk covers. Enjoy best in class yields on stablecoins. Withdraw anytime.

What is Innflux?

Innflux is an on-chain working-capital engine purpose-built for cross border businesses such as energy, FMCG, and commodities in Asia, Africa, and Latin America. It incorporates stable-coin rails for B2B payments, shortening cross-border settlement from weeks to hours and securing customers against forex risks for delayed remittances. Innflux credit scores enterprises with it's internal risk scoring engine to issue credit lines to finance invoices for healthy businesses stuck with slow payment

Are there withdrawal limits?

No withdrawal limits. You maintain full control over your funds and can withdraw any amount at any time through our interface or directly from smart contracts.

How are funds protected?

All funds are held in smart contracts with multi-sig requirements. Some funds are backed by local guarantors based on our premier internal credit score risk system to finance short-term liquidity. Innflux over-collateralizes real world assets to minimize counter-party risks. All funds are managed in an asynchronous vault which manages float and time-drip based isolated position ERC4626 vaults. These vaults are created with escrowed offchain capital based on internal credit risk scoring engines with instant payouts to lenders and are fully insured by Innflux's treasury fund. Users can withdraw

How do you verify invoice authenticity?

We use a combination of blockchain oracles, ERP integrations, and machine learning to verify invoice authenticity and creditworthiness in real-time. Each invoice is backed by either a healthy risk credit score with either deposit based overcollateral debt or a rich client KYB's entity history and are called via a verification

What about regulatory?

Innflux operates under applicable financial regulations with proper licensing. All transactions are transparent and auditable on-chain for regulatory compliance. All debtors are fully KYB'd via globally recognised verification providers like Sumsub and are fully FATCA and AML compliant. Innflux also leverages tools like chainalysis that leverage on-chain intelligence to screen wallet addresses to identify and respond to potential risks and ensure compliance with

Unlock
Early Access

Be part of the first wave to experience payment finance on-chain. Deploy stablecoins into short-term trade deals with real-world backing and risk protection.