Sell on credit.
Get paid either way.
Instant coverage for any business selling on credit. If a buyer doesn't pay, your claim is settled automatically — no broker, no paperwork.
$48,000
USDC · Due Mar 15, 2026
Buyer
Account ••••3F4A
Coverage
Full invoice
Premium
$240.00
Status
Active
Awaiting buyer payment
30 days left
Claim settled
$48,000 USDC · 1 transaction
Built with
Built for modern trade finance
Three roles.
One protocol.
For Sellers
Always covered.
Automatic coverage from the moment your invoice is issued. Paid from the insurance pool if the buyer defaults.
Privacy First
Your data, never exposed.
Credit scoring runs on encrypted values — no raw financial data is ever readable on-chain.
For Liquidity Providers
Earn and withdraw.
Deposit USDC and earn a share of every premium collected, automatically diversified across all active policies.
How Prova works
Pick your role.
Start in minutes.
Coverage
You sell. We make sure you get paid.
For any business selling goods or services on credit.
Enter buyer details and your invoice terms. If the buyer pays, funds release directly to you. If they don't, one claim transaction pays you from the insurance pool.
- Buyer risk evaluated automatically — no broker required
- Premium set by the protocol, not negotiation
- Instant payout when claim conditions are met
Privacy & Security
Institutional infrastructure.
No institutional friction.
FHE-encrypted underwriting, passkey accounts, and auditable on-chain settlement — available to any business selling on credit.
Buyer Credit, Always Encrypted
Creditworthiness evaluated via Fhenix CoFHE — scores computed on encrypted values on-chain. No plaintext financial data exposed at any point.
Passkey Smart Accounts
ZeroDev ERC-4337 account abstraction. Sign in with a device passkey — no seed phrases, no browser wallet extensions needed.
Verifiable on Arbitrum
Every escrow, policy, and settlement recorded on Arbitrum. Publicly verifiable — while credit scores and coverage amounts stay encrypted.
Works wherever you trade
Any business, any market. Country and buyer risk factors are built into the underwriting model — coverage terms adjust automatically.
How it works
From wallet to settlement.
How an invoice moves through Prova: from your passkey wallet into a secure escrow, through encrypted underwriting, to final settlement.
- Seller creates an on-chain escrow — buyer funds it before the due date
- Prova evaluates the buyer's creditworthiness using CoFHE — premium set automatically
- Buyer pays → funds release. Buyer defaults → claim settled after the 7-day window
Got questions?
Frequently asked.
Everything you need to know about how Prova works and what happens to your money.
Prova is an on-chain trade credit insurance platform built on Arbitrum. It is for any business selling goods or services on credit terms — if you issue invoices and give buyers time to pay, Prova can protect you. Liquidity providers who want USDC yield backed by real trade transactions can also participate.
No. Any business selling goods or services on credit can use Prova — whether you are a manufacturer, wholesaler, service provider, or trading company. If you issue invoices and extend payment terms to buyers, Prova is built for you.
Prova uses Fully Homomorphic Encryption (FHE) via Fhenix CoFHE. When you create coverage for an invoice, Prova evaluates your buyer's creditworthiness using an encrypted score — the underwriting contract computes directly on the encrypted value without ever decrypting it. The result is an encrypted premium in basis points. No plaintext financial data is stored or exposed on-chain at any point.
When an invoice passes its due date unpaid, a 7-day waiting period begins automatically on-chain. Once that window closes, the payment condition is met. You then initiate the claim with a single transaction — the contract verifies the condition and releases your payout directly from the insurance pool to your wallet. No adjuster, no paperwork, no manual review.
Yes. Funds are held inside smart contracts on Arbitrum — neither Prova nor the underlying Reineira infrastructure ever takes custody of your money. Your account is a ZeroDev passkey smart account tied to your device, not a seed phrase. You are always in control.
Liquidity providers deposit USDC into the insurance pool. Their capital backs active trade credit policies and earns a proportional share of premiums collected. Exposure is automatically diversified across all active policies — no manual rebalancing needed. Deposits are non-custodial and withdrawable at any time subject to pool liquidity.
Protect your next invoice.
Sign up in minutes. Coverage that works the moment you need it.