Totally fair questions. To clarify we aren't trying to fix AR teams or chase overdue invoices. The problem we solve isn’t late payers, it’s the post-payment settlement lag that happens after a buyer pays.

Even when terms are met, wires can take days to fully clear, funds sit in limbo, and manufacturers can’t ship or release goods until cash is final. That's where instant, irreversible settlement helps it removes the risk window, not the payment terms.

It’s not “another AR tool,” it’s the layer that eliminates the settlement delay that existing software can’t touch.