ACT 1 — du's SME opportunity
SMEs need more than connectivity.
They need financial visibility and growth support. FunderaX brings existing certified financial intelligence underneath a deliberately simple du Business concept experience.
What this demo proves
- Certified engines can turn evidence into an explainable liquidity opportunity.
- A genuine QuickBooks Sandbox connection supports the read-only accounting boundary.
- Cash Truth, human approvals and regulated-partner boundaries remain intact.
- The pilot and scale claims stay explicitly simulated or synthetic.
ACT 2 — Financial Growth Hub
From financial evidence to the next best action
A transparent Financial Health view, explainable recommendations and a consent-based Growth Passport help the SME move from understanding to action.
Challenge concepts
Three liquidity solutions, three clear boundaries
Certified orchestration and indicative comparison; regulated funders decide and provide capital.
Sandbox only. No live token, issuance, custody, investment, escrow account or settlement.
Advisory only. No cash sweeping, investing, transfer, payment or autonomous action.
Final audit
Challenge requirement coverage
| Requirement | Status | Existing proof | Honest limitation |
|---|---|---|---|
| Concept Summary | BUILT | Digital SME liquidity orchestration from data to measurable outcomes. Working platform demonstrating SME liquidity orchestration from financial data to measured outcomes. Open evidence | Presentation evidence, not proof of a live du programme. |
| Creating Liquidity | DEMONSTRATED | Identifies receivables-led working-capital opportunities and routes them to existing solutions. Certified liquidity and eligibility engines identify receivables-led opportunities for the simulated SME. Open evidence | The judge SME and its opportunity are simulated; no funding is claimed. |
| Dynamic Discounting / Early Payment Marketplace | BUILT & DEMONSTRATED | Buyer-funded dynamic discounting and third-party EarlyPay comparison with indicative economics. Certified dynamic-discounting engine and commercial pricing engine with indicative early-payment economics. Open evidence | Judge figures are illustrative; no participating funder has made an offer. |
| Smart Contract Escrow / Tokenized Revenue | SANDBOX DEMONSTRATION | Sandbox lifecycle, conditions, escrow model and append-only ledger demonstration. Sandbox lifecycle with conditions, escrow model and an append-only ledger. Open evidence | No token issuance, custody, investment, network settlement or live escrow exists. |
| AI-Automated Treasury Management | ADVISORY ENGINE BUILT · Partner execution required | Forecasts cash gaps and presents evidence-backed treasury recommendations. Certified treasury engine forecasts cash gaps and explains each recommendation. Open evidence | Advisory only. No sweep, recall, investment, transfer or payment is executed. |
| Integration Plan | ARCHITECTURE + SANDBOX EVIDENCE | Provider-neutral accounting, banking, compliance and du integration boundaries. QuickBooks Online Sandbox and Lean Bank Sandbox connected read-only; Sumsub Sandbox connected; du integration proposed. Open evidence | Sandbox evidence only. du connectivity requires partner/API access; company verification is pending. |
| Pilot Strategy for 150+ du SMEs | MODELLED / READY FOR CONTROLLED PILOT | Deterministic cohort, operating stages, queues, responsibilities, controls and measurement plan. 150+ SME pilot operating model validated against the deterministic simulated cohort. Open evidence | A proposed operating model. No pilot is approved or executed and no real SME is enrolled. |
| Success Metrics | DEFINED — BASELINES REQUIRED | Defined event-based KPI framework with explicit baselines, samples and evidence sources. Event-based KPI framework with defined baselines, samples and evidence sources; no observations yet. Open evidence | The 70% and 40% figures are du reference targets, not achieved results. |
| Risk Mitigation | BUILT INTO PLATFORM CONTROLS | Tenant isolation, maker-checker, evidence gates, cash truth, claim safety and fail-closed controls. Tenant isolation, maker-checker approvals, cash-truth rules, claim safety and isolated database restore verification. Open evidence | Native hosting snapshot/PITR recovery is not independently verified; regulated activities remain with regulated partners. |
| Rapid Scalability | SYNTHETICALLY LOAD-TESTED | Deterministic scale dataset, compute workloads, isolation and replay testing. 40,000-SME deterministic synthetic load test: ≈2.1M records, up to 200 concurrent test users, 0% workload errors. Open evidence | NOT PRODUCTION-PROVEN. Hosted-site, network, provider and real-world traffic performance are not validated at this scale. |
| 100% Digital Integration Capability | ARCHITECTURE READY — EXTERNAL ACCESS REQUIRED | Digital onboarding and provider-neutral, consent-bound integration architecture. Digital onboarding with consent-bound, provider-neutral integrations; sandbox connections demonstrated. Open evidence | A complete du-connected digital journey cannot be claimed before partner access and live evidence. |
| Path toward 40,000+ du SMEs | SYNTHETICALLY LOAD-TESTED — NOT PRODUCTION-PROVEN | Core computations exercised across a deterministic synthetic 40,000-SME population. Core data-layer workloads exercised across a synthetic 40,000-SME population in an isolated environment. Open evidence | NOT PRODUCTION-PROVEN. Real-world traffic at 40,000 SMEs has not been validated. |
du Business Financial Growth Pilot
150+ SMEs · 90 days
150 SMEs
Onboarding
Data connectivity
Liquidity analysis
Opportunities
Funding
Cash confirmation
Outcome measurement
This is a proposed operating model. No pilot has been approved or executed.
Can FunderaX help identify SME financial needs earlier?
Can FunderaX identify and orchestrate relevant liquidity opportunities?
Can contextual du/partner recommendations increase SME engagement?
Can financial intelligence deepen the SME's relationship with du Business?
Dual KPI model
SME outcomes and du outcomes stay separate
SME outcomes
du outcomes
Success metrics
Targets are not results
du reference target: 70% faster.
du reference target: 40% faster.
Controlled path toward the wider ecosystem
The model is designed to begin with a controlled 150+ SME pilot and, subject to validation, progressively expand across the wider du SME ecosystem.
FunderaX has been load-tested using a deterministic synthetic dataset representing 40,000 SME businesses. The test validates application and data-layer behaviour under the tested workload.
40,000
Synthetic SMEs
≈2.1M
Synthetic records
200
Concurrent test users
0%
Certified-run workload error rate
NOT PRODUCTION-PROVEN. Hosted-site, network, production-provider and real-world traffic performance have not been validated at 40,000 SMEs.
QuickBooks Online Sandbox Connected
Genuine read-only sandbox connection. Accounting evidence only; accounting data cannot independently prove cash settlement.
Lean Bank Sandbox Connected
Read-only sandbox banking evidence supports transaction and balance observation. Sandbox evidence is not production banking evidence.
Sumsub Sandbox Connected
Individual identity checks in sandbox only. External/company verification pending; no real SME has been verified.
du Integration Proposed
External partner/API access required. du connectivity, approval, endorsement and partnership do not exist today.
Isolated database restore verified
A genuine FunderaX database export was restored successfully into an isolated PostgreSQL 17 environment and application-data integrity checks passed. Native hosting-platform snapshot/PITR recovery remains outside the scope of that test.
ACT 7 — du value
Why this matters to du
SME Acquisition
Financial Health can become an SME engagement proposition.
Engagement
SMEs have a recurring reason to return.
Retention
du becomes more embedded in SME operations.
Cross-Sell
Relevant du Business products can be recommended contextually.
Partner Ecosystem
FunderaX can orchestrate relevant financial and business partners.
SME Intelligence
Aggregated, privacy-safe insights can improve ecosystem understanding.
Partnership model
Why FunderaX + du
- du provides access to a broad SME ecosystem.
- FunderaX provides liquidity intelligence and orchestration.
- Regulated funders make credit decisions.
- Regulated financial and payment partners move money.
- FunderaX measures outcomes.
90-day controlled pilot · 150+ du SMEs
- Establish baselines
- Measure onboarding and approval cycle
- Identify working-capital opportunities
- Measure time-to-liquidity
- Test SME engagement
- Validate FunderaX/du integration requirements
- Establish evidence for wider rollout
Judge Q&A