Global stablecoin liquidity, working for UAE businesses.
tradefinance.io turns verified, debtor-confirmed UAE invoices into tokens on the XRP Ledger, funded by verified investors. SMEs get paid in days, not months. Qualified investors earn yield backed by real trade, not market speculation.
- Pre-qualified UAE SMEs
- 1,000+
- Pre-qualified UAE SMEs
- Stablecoins seeking yield
- $298B
- Stablecoins seeking yield
- UAE non-oil trade, 2025
- AED 3.8T
- UAE non-oil trade, 2025
- Smart-contract tests passing
- 80/80
- Smart-contract tests passing
$298B
Stablecoins in circulation
DefiLlama
$71.6B
USDC supply
DefiLlama
$39.0B
Tokenized real-world assets
rwa.xyz, Oct 2026
$8.2B
Tokenized private credit
rwa.xyz, Oct 2026
$85.2B
Value locked in onchain finance
DefiLlama
Live market data, refreshed hourly · as of 2 Nov 2026, 05:10 Dubai time
The opportunity
Two markets that have never met.
On one side, hundreds of billions of dollars in stablecoins earning low single-digit yields. On the other, the businesses that power the UAE's trade economy, starved of working capital. We connect them.
Supply
Onchain capital looking for real yield
$298B
in stablecoins, most of it idle or earning ~4–5% in onchain lending.
$39.0B
of real-world assets already tokenized worldwide, from treasuries to private credit.
~10%
average APR on onchain private credit, one of the largest real-world-asset classes.
$8.2B
of private credit already tokenized globally. Almost none of it serves GCC SMEs.
Demand
UAE SMEs: the engine of the economy, underserved by banks
94%
of UAE companies are SMEs, generating 63.5% of non-oil GDP.
<10%
of UAE bank lending goes to SMEs. Many are turned away or face AED 1–2M minimum facilities.
AED 1.94T
UAE non-oil trade in H1 2026, up 13.1% year on year, after AED 3.8T (+27%) in 2025.
$250B+
SME financing gap across the GCC, inside a $2.5T global trade-finance gap.
Sources: DefiLlama (live), rwa.xyz (Oct 2026), UAE Government Media Office (Jul 2026), WAM (2025), Visa UAE SME report, AGSI, Kearney, ADB Trade Finance Gap Survey (Dec 2025).
The pricing edge
Cheaper capital in. Better pricing out.
Stablecoin holders earn around 4–5% from onchain lending. Insured, debtor-confirmed UAE trade receivables can pay them meaningfully more, while SMEs still pay less than typical invoice finance.
A global, 24/7 investor base
Funding from qualified investors worldwide, settled in RLUSD or USDC in seconds, not through correspondent banks.
No bank balance-sheet overhead
Smart contracts handle servicing, waterfalls and payouts: no branch network, no capital-adequacy drag.
Lower risk, lower premium
Every invoice is confirmed by the debtor, credit-insured and recorded on-chain against duplicate financing.
No currency risk
The dirham has been pegged to the US dollar at 3.6725 since 1997, so US-dollar stablecoin funding converts at a fixed rate. Ready for licensed dirham stablecoins as regulators accept them.
Built for SME ticket sizes
No AED 1–2M minimum facility. Finance a single invoice, from day one.
What stablecoin capital earns today
USDC onchain lending
Aave, Spark, Maple, Centrifuge (DefiLlama, Oct 2026)
Onchain private credit
Market average APR (rwa.xyz, 2025)
tradefinance.io investors
Target yield: insured, debtor-confirmed UAE invoices
What UAE SMEs pay
Bank & fintech invoice finance
All-in, annualised estimate from UAE factoring price guides
tradefinance.io SMEs
Target all-in cost, no AED 1–2M minimum facility
tradefinance.io figures are targets for illustration, not offers or forecasts. Actual pricing depends on the debtor's credit, tenor and insurance cover. Fiat range is our estimate from published UAE factoring price guides: about 1.2–1.8% per 60–90-day invoice for strong credits and 3.5%+ for weaker ones, plus arrangement and service fees.
How it works
From invoice to funded in five steps.
- 01
Upload
SME uploads an invoice. AI extracts the details and checks for duplicates.
- 02
Confirm
The debtor independently confirms the invoice is genuine and payable.
- 03
Underwrite
Credit review, credit insurance and pricing. Approved terms are fixed up-front.
- 04
Fund
The invoice is tokenized on the XRP Ledger. Verified investors fund it in RLUSD or USDC.
- 05
Settle
SME receives funds. The debtor pays at maturity and investors redeem with yield.
Technology: done
The platform is built. End to end.
Not a pitch deck. Our engineering team has shipped the full invoice-finance lifecycle, from SME onboarding to investor redemption, running today on the XRP Ledger Testnet. What remains is licensing and capital.
SME onboarding & KYB
Trade licence, TRN and IBAN checks, document vault.
Investor KYC & on-ledger credential
Xaman wallet sign-in and an XRPL KYC credential the investor accepts.
AI invoice extraction
Reads invoices, flags duplicates and mismatches automatically.
Debtor confirmation
Independent confirmation by the paying company.
Underwriting & insurance
Credit decisions, insurance and fee terms with full audit trail.
Tokenized invoices
One XRPL Multi-Purpose Token per invoice, held only by verified investors.
Investor marketplace
Live offerings, Xaman payments, portfolio tracking and PDF statements.
Operations console
Repayment, overdue, insurance claim, refunds and daily ledger reconciliation.
$ npm test
Unit tests incl. funding and payout maths: all passing
$ supabase/tests/rls_test.sh
Row-level security checks: all passing
$ security --checks
Rate limits · CSP · error monitoring · ledger reconciliation ✓
$ xrpl --network testnet
Credentials · Multi-Purpose Tokens · RLUSD · USDC view the SPV on the ledger ↗
$
Why now
A first-mover window in the UAE.
The UAE has built the world's clearest rulebook for stablecoins and tokenized assets, and is about to make every business invoice digital. We found no live platform funding UAE SME invoices with regulated stablecoin capital.
The first platform to plug into e-invoicing with licensed onchain capital sets the standard for the region.
Aug 2024
CBUAE Payment Token Services Regulation
A licensing regime for fully reserved stablecoins used in payments.
Dec 2024
First dirham stablecoin licensed
AE Coin approved; banks and sovereign groups follow with dirham tokens.
Jul 2026
UAE e-invoicing pilot begins
Invoices become structured, machine-readable data: ideal for financing.
Sep 2026
RLUSD and USDC on the XRP Ledger on ADGM's accepted list
The FSRA's latest accepted stablecoin list covers both on the XRP Ledger, the network our platform is built on.
Jan 2027
E-invoicing mandatory, AED 50M+ revenue
Large buyers go live first, creating verifiable supplier invoices.
Jul 2027
E-invoicing for all businesses
Every UAE SME invoice becomes digital and financeable.
Expansion
Start in the UAE. Scale across the GCC.
Phase 1 · Now
United Arab Emirates
ADGM company and FSRA authorisation, first insured pools funded with stablecoin capital, onboarding our 1,000+ pre-qualified SME pipeline.
Phase 2
Saudi Arabia
The GCC's largest economy, with Vision 2030 pushing SME lending and e-invoicing (FATOORA) already live.
Phase 3
Qatar · Bahrain · Kuwait · Oman
One platform and one investor base serving the GCC's $1.6T goods-trade corridor.
Seed round
Raising our first round: licensing and stablecoin capital deployment.
The technology is complete and the demand is waiting. This round establishes our ADGM company, secures FSRA authorisation and takes tradefinance.io from testnet to a licensed, live platform deploying capital into UAE trade.
ADGM licensing
ADGM company formation, FSRA Private Financing Platform authorisation, compliance team and legal.
Security & audit
External smart-contract audit and multisig treasury operations.
Stablecoin capital deployment
First-loss stablecoin capital to launch the first insured UAE invoice pools.
Team & go-to-market
Credit, operations and onboarding the pre-qualified SME pipeline.
- Pre-qualified SMEs
- 1,000+
- Pre-qualified SMEs
- Product phases shipped
- 7/7
- Product phases shipped
- Contract line coverage
- 100%
- Contract line coverage
Talk to the founders
Investors, UAE businesses and partners: tell us about yourself and we'll be in touch.