Trade credit infrastructure
The programmable infrastructure behind modern trade credit.
Insurers, banks, and lenders bring their own underwriting, pricing, and capital. Prova provides the invoice, coverage, settlement, and claims engines — with the API and audit trail to launch digital trade-credit products fast.
Infrastructure for credit providers — not another insurer.
Prova powers the institutions that already underwrite, finance, and settle trade. It does not sell insurance, own the customer, hold funds, or become the regulated balance sheet.
Prova provides
- A programmable coverage & settlement rail
- Confidential risk computation (FHE)
- An auditable, on-chain lifecycle trail
Prova never
- Holds or custodies your capital
- Sells insurance or takes risk
- Owns your customer relationship
The physical ledger
Behind every invoice is real cargo, real capital, and a number no one should have to expose to be covered.
Trade credit still runs on legacy infrastructure.
Institutions have the underwriting, the pricing, and the capital. What they lack is modern infrastructure — most trade credit still runs on paperwork, disconnected tools, and systems built for large enterprises. Slow to launch, costly to run, out of reach for smaller businesses.
Managed by hand across spreadsheets and email, rekeyed at every step — with no shared, real-time trail.
Manual and fragmented
Quotes, policies, claims, and settlement live across email, spreadsheets, and disconnected tools — with no single event trail.
Built for large enterprises
Legacy systems assume big-corporate counterparties, so most smaller businesses go underserved by the institutions that could cover them.
Rebuilt from scratch
Every institution that wants a modern digital product has to build the same coverage, settlement, and claims plumbing itself.
One rail, the whole coverage lifecycle.
From receivable to payout to capital — priced confidentially, settled non-custodially. Prova provides the rail; the provider keeps the license, the capital, and the customer.
Step 1 · Invoice
A seller’s receivable enters as an on-chain escrow — the object being covered.
Share the rail. Keep the book.
Your competitors can sit on the exact same rail and still never see your book — while it computes a shared, posted outcome across inputs no party can read.
Insurer A cannot read Insurer B’s book — and vice-versa. Every value is sealed to every other party, yet the rail still computes a shared, posted result.
Four parts, one programmable rail.
Everything an institution needs to underwrite, bind, settle, and integrate — without giving up custody, the customer, or the sensitive-data boundary.
Trade credit rail
Invoice escrow, coverage binding, claims, and settlement as one structured lifecycle.
Confidential computing
Buyer risk, limits, and concentration computed while sealed. Decisions post; inputs never do.
Settlement automation
Non-custodial, on-chain settlement events. Providers keep custody of capital throughout.
Enterprise APIs
Scoped credentials, OpenAPI contract, signed webhooks, and contract plugins.
API-first infrastructure — proof, not a pitch.
Integrate quotes, escrows, coverage, claims, and webhooks through a clean API. Sensitive inputs go in sealed; a usable decision comes back posted.
REST & webhooks
Scoped OAuth credentials, an OpenAPI contract, and signed lifecycle events.
Contract plugins
Policy and resolver plugins behind a clean service boundary.
Confidential model
Sealed inputs, posted outcomes — no plaintext risk on display.
POST /v1/coverage/quote
{
"invoice": 48000,
"risk": "enc:0x9f4c…" // sealed input
}
→ 200
{
"premium_bps": 200, // posted
"coverage_pct": 90,
"status": "bound"
}Built for institutions expanding credit safely.
Prova is designed for providers that already understand trade credit, underwriting discipline, and regulated financial operations.
Insurers & MGAs
Digitize coverage while keeping the customer, the underwriting discipline, and book confidentiality.
book: sealedencrypted, computed on sealed dataBanks & ECAs
A programmable rail for corridors where stablecoin settlement and non-custodial infra are an advantage.
book: sealedencrypted, computed on sealed dataFactors & lenders
Coverage and capital around invoice portfolios without exposing debtor books to rivals.
book: sealedencrypted, computed on sealed dataFintech lenders
Structured coverage and capital for embedded trade-credit products — without becoming an insurer.
book: sealedencrypted, computed on sealed dataThe strongest trust signal is what Prova cannot see.
Confidential compute lets institutions collaborate around underwriting outcomes without revealing the protected inputs that define their book.
- Non-custodial by design
- Prova never holds or moves your funds.
- Encrypted risk inputs
- Scores and limits are sealed, never shown in plaintext.
- Honest deployment status
- Testnet today, clearly marked — no fabricated trust signals.
- Auditable event trail
- Every lifecycle event is an append-only ledger record.
Non-custodial settlement
Provider-controlled capital
Confidential compute (FHE)
Sealed risk inputs
Independent smart-contract audit
Gate for production capital
Compliance operating model
Per launch market
Evaluate Prova for an institutional trade-credit pilot.
We will walk through the rail, deployment status, the integration model, and what must be true before a production-capital launch.