DeFa by InvoiceMate will tokenise AI-validated invoice financing on ZIGChain to bring SME credit opportunities to over one million users.
DeFa by InvoiceMate will commence tokenisation of AI-validated invoice financing on ZIGChain, making SME financing opportunities available as tokenised assets within the Layer-1 blockchain ecosystem. The rollout will open access to private credit opportunities for more than one million ZIGChain users.
InvoiceMate’s decentralised AI protocol, described as “Know Your Invoice”, has processed US$500 million in invoices with a delinquency rate of less than 0.2%, and can validate invoices in minutes rather than weeks. Through the DeFa protocol on ZIGChain, these verified financing opportunities will be tokenised as liquid digital assets for retail participation.
The initiative is backed by strategic investment from ZIGLabs and a partnership with Disrupt.com, and is expected to launch in early 2026 for global investors on ZIGChain.
“This integration demonstrates exactly why we built ZIGChain as a purpose-built Layer-1 for wealth generation,” said Abdul Rafay Gadit, Co-Founder of ZIGChain and Managing Partner at ZIGLabs. “InvoiceMate brings proven AI technology and a successful history of running a diverse loan tape to our ecosystem. This is the type of real-world utility that drives blockchain adoption—verified SME financing opportunities becoming accessible to our users while supporting business owners globally.”
“This is how category-defining ventures are created,” said Aaqib Gadit, Founding Partner and Co-Founder at Disrupt.com. “InvoiceMate has built a tested and proven proprietary AI protocol, validating invoices in minutes rather than weeks. Our work with InvoiceMate is set to capture a significant share of this sector as it heads towards three trillion USD in value by 2028.”
“Banks face a structural limit in SME financing because traditional verification does not scale,” said Ibrahim Salman, Co-Founder of InvoiceMate. “Now, with ZIGChain’s distribution and support from Disrupt, we can also give ordinary people the opportunity to participate in the same financing opportunities as major institutions.”
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