Bringing financial inclusion across the value chain and the supply chain.
Our DLT platform allows secured digital asset management from issuance to trade.
INVIOU’s solutions provide the different supply-chain players with a secured and trusted ecosystem to facilitate trade, financing and insurance.
INVIOU is a platform for registry networks that enables partners, affiliates and competitors to collaborate in order to diminish fraud and friction to provide a healthy ecosystem for all stakeholders.
Many financial services providers are facing fraudulent applications for credit lines and asset based financing, where multiple applications are being used in different platforms/lenders but there is no single source of collaboration for the financiers to make sure that eventually there will not be duplicate funding.
WHO IS INVIOU FOR?
INVIOU’s platform is open to any authorized financial services company or platform that wishes to gain access to one of INVIOU's networks.
HOW DOES IT WORK?
INVIOU’s technology enables network members to authenticate, cross-check and detect suspected copies of confidential records without the need to expose the actual record. The network serves as a single source of truth for private and sensitive information, preventing various types of fraudulent activities that exploit the existing information asymmetry as well as reduce friction and costs to all participants.
Factoring and Receivable financing are ways for businesses to borrow money against the amounts due from customers. This type of financing helps businesses improve cash flow, pay employees and suppliers, and reinvest in operations and growth without waiting for their customers to pay their balances.
Warehouse receipt financing is a proven instrument for allowing farmers, traders, processors and exporters to obtain finance secured by goods deposited in a warehouse. It is a key credit tool for rural SMEs that lack of sufficient conventional loan collateral.
INVIOU’s technology allows competing entities to share information without actually revealing it, serving as a single source of truth of private and sensitive information, preventing various types of fraudulent activities that exploit the existing information asymmetry.
INVIOU'S CORE TEAM
Founder & CTO
Experienced tech entrepreneur & corporate executive. Formerly, Deputy CEO of the Israel National Savings Exchange, Head of Product - Security Division – NICE, Tech VP positions at various startups and SW Dev manager at Amdocs USA and Israel.
Founder & CEO
Financing and risk expert. Formerly, Head of Finance at Shlomo Holdings LTD leading billions of NIS capital issuing and cash flow management. Extensive experience in the banking systems, rating agencies and risk management.
Highly skilled software development professional with more than 10 years of hands on and management roles in to the high-tech industry. Previously, Mr. Lavee served as Head of R&D and CTO in leading companies such as hippotec, Applicasa, Sunrise Projects Ltd and Emoze.
Top Notch Industry Experts
Phillip has more than 20 year’s-experience of invoice-based financing transactions. He was the co-founder of Tranzacta, a London based merchant cash advance business, and a partner in Culpis a
Stockholm based working capital advisory firm. Prior to that, he was the CEO of Demica, a market
leading provider of Working Capital Solutions to large corporates and financial institutions.
served as Executive Vice President of Fundtech Ltd. (Finastra) Mr. Porath has over 20 years of software development, project management and product management experience, including over 10 years developing high speed, secure transaction systems for the financial services industry.
Served as Commissioner of Capital Markets, Insurance & Savings at the Israeli Ministry of Finance. Served in various key financial positions including an Investment Officer in the Foreign Exchange Department of the Bank of England.
Serial entrepreneur, mostly active in Israel, EU & US Silicon Valley. Recently, Mr. Levi served as the Chief Scientist and Head of Innovation Center of AVAST (previously at AVG). Previously, Shaul founded Gilian / Breach security Inc.
Top notch Data-Scientist with proven cross-industry work experience in data-mining and machine learning - building predictive models, previously head of Data-Science and senior Data Scientist at Finiata, Forthscale and Bluevine.
INVIOU IN THE NEWS
Everything you Need to Know
Answers You Need
WHAT IS INVIOU?
INVIOU is a platform for registry networks based on distributed ledger technology (Hyperledger Fabric).
The platform allows for commercial documents to be registered across networks and in this way enables financial institutions to provide safe and simple environment by diminishing fraud and friction.
WHAT PROBLEM DOES INVIOU SOLVE?
Fraud and double spending is prevalent in the receivables financing industry, including double financing, inflation, duplicate claims and more. Financiers and insurers currently conduct extensive review processes to combat these types of fraud, creating unnecessary friction.
Additionally, these processes hinder the operability and growth of SMEs. INVIOU is simultaneously solving invoice fraud and reducing friction to improve the accessibility to SMEs.
HOW DOES INVIOU REDUCE FRAUD AND FRICTION?
Our DLT based platform transforms commercial documents into unique encoded digital assets, in an irreversible way that is ultimately preventing data tampering. Data can then be cross refernced against the network without exposing the sensitive data.
In this way, whenever an SME approaches a credit provider to finance an invoice, that credit provider, using a simple API, can check INVIOU to see whether that invoice has been sold, has a lien or is free for financing.
The fraudulent behavior of SMEs selling the same invoice to several lenders will be eliminated once the invoice is recorded on INVIOU’s network, and can only have a lien or sold via the platform and by its rightful owner.