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 | PROVEN | Digital SME liquidity orchestration from data to measurable outcomes. Phase 11A proposition registry · Phase 11A 166/166; Phase 11C 108/108 Open evidence | Presentation evidence, not proof of a live du programme. |
| Creating Liquidity | CERTIFIED SIMULATION | Identifies receivables-led working-capital opportunities and routes them to existing solutions. Certified liquidity and eligibility engines · Phase 7A–7C and 11D certification Open evidence | The judge SME and its opportunity are simulated; no funding is claimed. |
| Dynamic Discounting / Early Payment Marketplace | PROVEN | Buyer-funded dynamic discounting and third-party EarlyPay comparison with indicative economics. Phase 7B marketplace and Phase 8G commercial engine · Phase 7B 57/57; Phase 8G 221/221 Open evidence | Judge figures are illustrative; no participating funder has made an offer. |
| Smart Contract Escrow / Tokenized Revenue | CERTIFIED SIMULATION | Sandbox lifecycle, conditions, escrow model and append-only ledger demonstration. Phase 7F Digital Liquidity sandbox · Phase 7F 89/89 Open evidence | No token issuance, custody, investment, network settlement or live escrow exists. |
| AI-Automated Treasury Management | PARTIALLY EVIDENCED | Forecasts cash gaps and presents evidence-backed treasury recommendations. Phase 7E AI Treasury Controller · Phase 7E 78/78; Phase 11D 128/128 Open evidence | Advisory only. No sweep, recall, investment, transfer or payment is executed. |
| Integration Plan | PARTIALLY EVIDENCED | Provider-neutral accounting, banking, compliance and du integration boundaries. Phase 10B–10D adapters and Phase 11D capability registry · Genuine read-only QuickBooks Online Sandbox connection; other connections remain gated Open evidence | du connectivity and bank connectivity are not active; Sumsub external verification is pending. |
| Pilot Strategy for 150+ du SMEs | CERTIFIED SIMULATION | Deterministic cohort, operating stages, queues, responsibilities, controls and measurement plan. Phase 11F pilot operating model · Phase 11F 122/122 Open evidence | A proposed operating model. No pilot is approved or executed and no real SME is enrolled. |
| Success Metrics | PROVEN | Defined event-based KPI framework with explicit baselines, samples and evidence sources. Phase 11A KPI dictionary and Phase 11F evidence model · Definitions certified; observations intentionally absent Open evidence | The 70% and 40% figures are du reference targets, not achieved results. |
| Risk Mitigation | PROVEN | Tenant isolation, maker-checker, evidence gates, cash truth, claim safety and fail-closed controls. Certified security, compliance, exposure, payment and pilot controls · Phase 8A–10E and challenge red-team suites Open evidence | Restore remains untested and regulated activities remain with regulated partners. |
| Rapid Scalability | PARTIALLY EVIDENCED | Deterministic scale dataset, compute workloads, isolation and replay testing. Phase 11G scale harness · 40K_SYNTHETIC_LOAD_PARTIALLY_TESTED; Phase 11G 167/167 Open evidence | Infrastructure, database, provider and genuine concurrency performance are not validated at 40,000. |
| 100% Digital Integration Capability | PENDING EXTERNAL | Digital onboarding and provider-neutral, consent-bound integration architecture. Phase 7D integration model and Phase 10 provider adapters · Architecture certified; QuickBooks Sandbox is the only challenge-relevant genuine connection Open evidence | A complete du-connected digital journey cannot be claimed before partner access and live evidence. |
| Path toward 40,000+ du SMEs | PARTIALLY EVIDENCED | Core computations exercised across a deterministic synthetic 40,000-SME population. Phase 11G dataset, workload, isolation and replay harnesses · 40,000 synthetic SMEs; 11/12 critical paths; no persistent writes Open evidence | Infrastructure performance at that scale has not yet 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.
Core FunderaX computations have been exercised against a synthetic 40,000-SME dataset. Infrastructure performance at that scale has not yet been validated.
Core platform computations have been exercised against a synthetic 40,000-SME dataset. Infrastructure performance at that scale has not yet been validated.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