What We Offer


Endless Possibilities

Leveraging Embedded finance for B2B payments.

Machine learning analyses past payment patterns to make probabilistic assessments of the few invoices that are unlikely to get paid, enabling the rest to be paid automatically when they are received. Importantly, this technology can be embedded across suppliers’ payment processes – in the Purchase-to-Pay (P2P) platforms, in the Enterprise Resource Planning (ERP) systems, and in payment processing systems, to get capital to suppliers faster.

Embedding instant payment technology into B2B trade is a win-win for all parties involved. Suppliers unlock cash instantly, providing them with the working capital they need to adapt to rising costs and invest in their business. Buyers payback on their normal terms and strengthen supply chains in the process by unlocking swathes of small suppliers that would otherwise be precluded from offering their services.

Embedded finance is poised to be a huge driving force of innovation in 2022. When we look at the trajectory of this technology, it is clear that there are huge benefits to be unlocked in the B2B sector in bringing business payments up to speed. As economies around the world seek the green shoots of recovery and renewal, the implementation of embedded finance into B2B commerce could go a long way in building stronger and more robust trade networks.

Streamlined payment solutions for businesses

Slow and late payments are a serious burden to suppliers across the board, and stifle small and medium-sized businesses of much-needed cash. A recent survey found that three in five UK businesses are owed money in late payments, while the Federation of Small Businesses lately warned that the late payment of invoices is threatening the survival of over 400,000 British SMEs. The problem isn’t confined to the UK either. A 2021 survey revealed that one third of US small businesses wait longer than 30 days to be paid. The slow and late payments crisis doesn’t just pose a barrier to the growth of small businesses, but also the overall recovery of the global economy. Slow payments prevent working capital from reaching all corners of the trade network and strap suppliers of the cash they need to adapt to shortages and rising costs, forcing them to reduce production. This is a key obstacle preventing supply chains from getting back up and running, prolonging both the duration and impact of bottlenecks and delays.

The Future of B2B

Commerce is Collaborative

Recent trends have made it clear that the future of business-to-business (B2B) commerce is both digital and collaborative. B2B buyers continue to expect more flexible payment experiences and want to engage with businesses and make purchases the same ways they do in their daily lives as consumers. Those concepts of ease-of-use and connectivity, coupled with the pandemic further accelerating digitization efforts, means we're seeing the B2B purchasing experience morph right in front of our eyes. The demise of the paper check is fast approaching. Finance leaders are coming to terms with just how much power consumers hold in the transaction process.


We are close to launching our first closed loop pilot. The public beta program will begin in mid 2022 followed by Commercial Launch by end of 2023. This will lead to general availability of the Open Market Network.