For invoice sellers

Expand your business by expediting your cash flow

For invoice buyers

Earn passive income from purchasing invoices

At a glance

Populous is a P2P (peer-to-peer) invoice discounting platform that is globalising what is currently a localised and limited market sector. It is a global invoice trading platform built on Blockchain's distributed ledger technology.

Invoice discounting is a form of funding that instantly unlocks the cash tied up in outstanding sales invoices. Business owners allow invoice buyers to buy invoices at a discounted rate in order to unlock their cash quicker. Once invoices are paid by the invoice debtor, the invoice buyer receives the amount previously agreed upon.

Populous uniquely connects business owners with invoice buyers on a global scale by leveraging the security, transparency, and speed of Blockchain via XBRL data, Altman Z-score formula, smart contracts and stable fiat-pegged tokens. We will disrupt the traditional invoice discounting system by eliminating the need for third parties or financial institutions by connecting businesses with global invoice buyers directly.

Built on DLT.

What does Populous provide?

High speed and low costs

Immediate funding without third-parties. Smart contracts autonomously perform funding - collect and release payments.

Global P2P invoice discounting

Populous enables invoice sellers and buyers to transact regardless of geographic location and without the need for any third party.

Unprecedented safety

All invoices uploaded are transparently recorded onto the Ethereum Blockchain eliminating potential for error and misuse.

How Populous Works


Invoice Seller



Invoice Buyer



Invoice Seller offers invoice with terms


Invoice Buyer chooses invoice to purchase


Invoice Seller confirms bid and then invoice is sold


Invoice Buyer bids on invoice and sets interest rate


Invoice Seller releases invoice and receives funds


Invoice Buyer receives returns when invoice is settled

Real-time database

We use XBRL data to access and assess financial statements for invoice sellers. Extraction of 1500+ data points per company affords the opportunity to analyse the risk of a company, trading partners, and industry as a whole.

In-depth credit risk analysis

Our smart contracts combine XBRL data, Altman Z-scores and other formulas to create our proprietary credit rating system which is far more advanced than the current industry standard.

Populous Tokens Price