Pay per invoice.
Never per month.
No subscriptions, no setup fees, no brokers. Coverage premiums are calculated on-chain for each invoice — you see the rate before you commit.
For sellers
Coverage premium
One-time fee per invoice. Dynamic rate set by FHE underwriting.
of invoice value, per invoice
- Rate shown before you commit
- Up to 100% invoice coverage
- Automatic payout on buyer default
- No paperwork, no adjuster
- No monthly subscription
For liquidity providers
Earn yield
Deposit USDC into the insurance pool. Earn a share of every premium collected.
yield, proportional to your stake
- Earn from day one of staking
- Proportional share of all premiums
- Auto-diversified across policies
- Withdraw anytime (subject to liquidity)
- Non-custodial — your keys, your funds
Full breakdown
What you pay. What you earn.
| Item | Rate | Who pays |
|---|---|---|
| Coverage premium | 1.5% – 10% per invoice | Seller |
| Monthly subscription | None | — |
| Setup / onboarding | None | — |
| Claim processing fee | None | — |
| LP management fee | None | — |
| Gas fees (via AA) | Sponsored | Prova |
Pricing questions
Common questions.
Your premium is computed on-chain using Fully Homomorphic Encryption (FHE). The underwriting contract evaluates your buyer's payment history — days-to-pay, default rate, transaction volume — without ever reading the raw data in plaintext. The result is an encrypted premium in basis points applied to your invoice amount. Typical range is 1.5% to 10% depending on buyer risk.
No. Prova has no subscription fees, no onboarding fees, and no monthly minimums. You pay a coverage premium only when you purchase insurance for an invoice. If you don't issue invoices that month, you pay nothing.
Yes. When you create an escrow, Prova returns the computed premium before you confirm the transaction. You can review the rate and decide whether to proceed — nothing is charged until you sign and submit.
When LPs deposit USDC into the insurance pool, their capital backs active trade credit policies. Every time a seller purchases coverage, a premium flows into the pool. LPs earn a proportional share of those premiums based on their stake weight, automatically diversified across all active policies.
Cover your first invoice.
Pay only when you do.
No commitment. Create an account and get your first coverage quote in under two minutes.