Product Architecture & User Journey

How 9jaTrade Works

A Canton-backed workflow for recording confirmed invoices and financing terms while keeping private contract data scoped to participants.

The Core Principle

Real Trade First. Financing Second.

Traditional factoring suffers from fraud because lenders underwrite unverified paper, or rogue suppliers pledge the same Files to multiple banks. DeFi protocols fail because businesses refuse to leak their customer names and prices on public blockchains.

9jaTrade fixes this: Financing is only unlocked after the buyer confirms the obligation and certifies goods delivery. Once funded, the invoice is locked cryptographically so it cannot ever be pledged twice.

Three Core GuaranteesInstitutional Security

No Fake Invoices: Obligor buyer must acknowledge the debt on-ledger before any liquidity offer can be requested.

Zero Double-Pledging: Cryptographic ledger locks mathematically prevent borrowing twice against the same invoice.

Sub-Transaction Privacy: Only you, your buyer, and your selected financier see the trade data.

The User Journey

7-Stage Invoice Pipeline

Click any stage below to inspect how the transaction progresses from draft to final settlement.

STAGE 01 OF 07Actor: Supplier

Invoice Issued

Verified Obligation

The supplier records invoice terms, item details, and a due date as a Canton contract.

What happens at this stage:

✓Digitally signed with supplier Party ID

✓Includes invoice amount, flexible payment due date, and item specifications

✓The contract state is read from the Canton ledger

Why it matters

Creates the commercial obligation. In traditional markets, this step relies on easily faked paperwork. On 9jaTrade, it is cryptographically signed and verified on a privacy-preserving ledger.

Real-World Example

Bello Electronics & ABC Retail Ltd

Invoice Amount: ₦10,000,000 (Flexible Payment Terms · Example: 60 Days)

The Trade: Bello Electronics delivers ₦10,000,000 worth of computer equipment to ABC Retail Ltd. ABC Retail agrees to deferred payment terms (e.g. 60 days).

The Problem: Bello needs working capital now to pay suppliers and payroll, and cannot afford to wait the full payment period.

Verification: ABC Retail signs the obligation on 9jaTrade and confirms physical delivery at their warehouse.

Financing Requested: Bello requests up to ₦8,500,000 upfront. Multiple registered financiers submit competitive terms.

Offer Accepted & Locked: Bello chooses Apex Credit. Capital is advanced, and the invoice is locked against double financing.

Marketplace OffersInvoice Maturity Terms

Financier	Upfront Advance	Return Fee	Advance Rate
Apex Credit (Selected)	₦8,500,000	₦400,000	85%
Credence Capital	₦8,000,000	₦300,000	80%
Union Yield	₦7,500,000	₦250,000	75%

Example settlement allocation₦10,000,000 recorded

→ Apex Credit (₦8.5m principal + ₦400k return):₦8,900,000

→ Bello Electronics (Remaining balance):₦1,100,000

Who Is It For?

Three Main Roles

Every participant operates through sovereign digital identity and verified permissions.

Supplier

Commercial Suppliers

Convert unpaid invoices of any payment term into cash today.

For manufacturers, farmers, and distributors waiting on delayed corporate buyer payments.

✓Issue digital invoices with PO and waybill hashes

✓Request upfront financing up to 85% of face value

✓Compare competing offers to get the best rate

Obligation Mode:Direct Origination · Confidential

Buyer

Enterprise Buyers

Strengthen suppliers without paying early.

For retail chains, FMCG brands, and corporate procurers managing extensive supplier networks.

✓Confirm debt obligations and delivery receipts online

✓Retain your agreed payment terms while suppliers get funded today

✓Record settlement allocation amounts at maturity

Settlement Mode:Recorded allocation · Payment handled separately

Financier

Institutional Financiers

Deploy capital into verified receivables.

For commercial banks, private debt funds, and factoring institutions seeking low-risk yields.

✓Inspect cryptographic Trust Passports without data leaks

✓Cryptographic lock mathematically prevents duplicate financing

✓Automatic return fee distribution upon settlement

Protection Mode:Immutable Lock · Low Risk Yield

Ready to Accelerate Your Working Capital?

Connect with your HackCanton Ledger access token and allocated party to register your company and start issuing or financing verified commercial obligations.

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