FunderaXFunderaX
Institutional overview01

Supply-chain liquidity infrastructure

FunderaXFunderaX — Intelligent Liquidity Infrastructure

The Intelligent Liquidity Infrastructure for Modern Supply Chains

Connect approved invoices and purchase orders to transparent, partner-led working capital.

UAE-BUILTPARTNER-LED FUNDINGMODULAR INFRASTRUCTURE
FunderaXLIQUIDITY OPERATING LAYERBUYERSUPPLIERFUNDERERP
Dubai, UAE · Supply Chain Finance · AI Treasury · Tokenized Liquidity01 / 18
FunderaXFunderaX
The working-capital problem02

The challenge

Strong businesses still struggle with trapped working capital

Long payment cycles

SMEs may wait 60–120 days after delivery.

Fragmented processes

Approvals, financing and reconciliation span disconnected systems.

Limited visibility

Evidence is inconsistent across participants.

Manual assessment

Email workflows and manual validation slow decisions.

DELIVERYDay 0
INVOICEDay 7
APPROVALDay 21
PAYMENTDay 60–120
LIQUIDITY GAPCapital is tied up while operating costs continue

Viable suppliers face pressure while buyers and funders operate with incomplete information.

FunderaX · Confidential presentation02 / 18
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The solution03

Unified infrastructure

One operating layer for supply-chain liquidity

Visible obligations. Structured workflows. Traceable decisions.

FunderaXORCHESTRATION
BUYER
SUPPLIER
FUNDER
ACCOUNTING / ERP
KYC / KYB
BANKING PARTNER
01

Invoice + PO workflows

02

Multi-stage approvals

03

Financing requests

04

Deal structuring + allocation

05

Payment-status tracking

06

Reconciliation

07

Audit-ready reporting

08

Advisory treasury insights

09

Digital-liquidity sandbox

FunderaX · Confidential presentation03 / 18
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Operating model04

Six controlled stages

From obligation to verified outcome

1

Submit

Invoice or purchase order enters the workflow.

2

Approve

Buyer validates the commercial obligation.

3

Request

Supplier requests financing against evidence.

4

Review

Eligible funders assess the opportunity.

5

Execute

Licensed partner executes funding or payment.

6

Verify

FunderaX tracks matching and audit history.

CONTROL LAYERRole-based accessKYC / KYB checksApproval rulesDocument validationImmutable activity trailException monitoring

FunderaX orchestrates the workflow. Regulated funding and payment execution remain with appropriately licensed partners.

FunderaX · Confidential presentation04 / 18
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Product suite05

Modular by design

Flexible liquidity products on one platform

01

Payables Finance

Early payment against buyer-approved invoices.

CONFIGURABLE
02

Invoice Discounting

Financing against eligible receivables.

CONFIGURABLE
03

Payables Extension

Buyer flexibility with supplier payment continuity.

CONFIGURABLE
04

Distributor Finance

Liquidity linked to verified trading activity.

CONFIGURABLE

Next-generation modules

Activated only where product, legal and partner requirements are satisfied.

Dynamic DiscountingBUILT / CONFIGURABLEPurchase Order FinanceROADMAPTokenized ReceivablesROADMAPProgrammable EscrowROADMAPRevenue-Based LiquidityROADMAP
FunderaX · Confidential presentation05 / 18
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Platform experience06

Role-aware workspaces

One platform. Four controlled views.

Each participant sees only the workflows and evidence relevant to its role.

BuyerDEMO VIEW
Awaiting approval12ILLUSTRATIVE
ReferenceStatusNext actionINV-24018ApprovedReview optionsINV-24021In reviewValidate evidence
SupplierDEMO VIEW
Eligible opportunities3ILLUSTRATIVE
ReferenceStatusNext actionINV-24018ApprovedReview optionsINV-24021In reviewValidate evidence
FunderDEMO VIEW
Cases for review8ILLUSTRATIVE
ReferenceStatusNext actionINV-24018ApprovedReview optionsINV-24021In reviewValidate evidence
Control towerDEMO VIEW
Open exceptions5ILLUSTRATIVE
ReferenceStatusNext actionINV-24018ApprovedReview optionsINV-24021In reviewValidate evidence
INTERFACE REPRESENTATION BASED ON CURRENT FUNDERAX WORKSPACES
FunderaX · Confidential presentation06 / 18
FunderaXFunderaX
Platform status07

Current product foundation

Built capabilities, clearly separated from future scope

Implemented, sandbox, pending, and roadmap states remain explicit.

Multi-role workspaces and permissionsIMPLEMENTED
Invoice, purchase-order and deal workflowsIMPLEMENTED
Financing requests and decision actionsIMPLEMENTED
Maturity, matching and reconciliation trackingIMPLEMENTED
Configurable product and approval rulesIMPLEMENTED
Audit timeline and export capabilityIMPLEMENTED
QuickBooks Online read-only connectionSANDBOX / TEST
Sumsub identity-provider lifecycleINTEGRATION PENDING
Digital Liquidity Hub and sandbox ledgerSANDBOX / TEST
AI Treasury recommendationsADVISORY / SIMULATED
Tokenization Wizard interfaceROADMAP / SANDBOX
QUICKBOOKS SANDBOX · READ-ONLYSUMSUB EXTERNAL VERIFICATION PENDINGTOKENIZATION · SANDBOX / ROADMAPNOT PRODUCTION-READY
FunderaX · Confidential presentation07 / 18
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AI Treasury08

Advisory intelligence

See the liquidity gap before it becomes urgent

13-week liquidity outlookILLUSTRATIVE DEMO DATA
PROTECTED BUFFER
AED 1.2M projected gap in 21 days3 invoices potentially financeable

Cash-flow forecasting

Evidence-led advisory signal.

Liquidity-gap detection

Evidence-led advisory signal.

Early-payment recommendations

Evidence-led advisory signal.

Funder and pricing comparison

Indicative comparison only; no offer is implied.

Risk and exception alerts

Evidence-led advisory signal.

Illustrative demo figures. AI Treasury is advisory-only and never sweeps, invests, transfers, or moves SME cash.

FunderaX · Confidential presentation08 / 18
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Digital liquidity09

Sandbox architecture

A controlled path to programmable liquidity

Verified assets, permissioned participation, partner-led settlement.

Verified receivable

Eligibility + compliance

Restricted representation

Authorized participation

Partner settlement

Redemption + audit

Permissioned participationTransfer restrictionsCounterparty whitelistingAsset-to-transaction auditabilityProgrammable conditionsConventional + digital compatibility

Roadmap / sandbox only. Tokenized instruments and digital-asset settlement remain subject to legal, regulatory, licensing, network, custody, and partner approval. No live token, custody, investment, escrow account, or on-chain settlement exists.

FunderaX · Confidential presentation09 / 18
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Ecosystem proposition10

Proposed partnership concept

A potential liquidity layer for du Business SMEs

Consent-led intelligence and orchestration through regulated partners.

du BusinessFunderaX
SME onboarding + digital identityConsent-based activity indicatorsInvoice + subscription historiesEmbedded working-capital journeysdu Pay or licensed partner connectivityEnterprise procurement use casesCash-flow resilience tools

SME resilience

Identify emerging cash-flow pressure and surface appropriate options.

Enterprise supplier finance

Support strategic suppliers through approved-payables programs.

Embedded digital finance

Bring consent-led liquidity journeys into relevant SME channels.

PROPOSED PARTNERSHIP CONCEPT · NO DU APPROVAL, PARTNERSHIP, API ACCESS, OR LIVE INTEGRATION IMPLIED
FunderaX · Confidential presentation10 / 18
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Differentiation11

Modular operating infrastructure

More than invoice finance software

CapabilityManual processBasic platformFunderaX
Multi-product supportPartial
Buyer / supplier / funder collaborationPartial
Configurable workflowsPartial
ERP and accounting connectivity—
Automated reconciliation—
Full audit trail—
AI treasury recommendations——ROADMAP
Tokenization readiness——ROADMAP
Embedded-finance capability——ROADMAP
UAE / GCC orientation——ROADMAP

FunderaX combines transaction workflow, financing orchestration, treasury intelligence, and future-ready digital settlement in one modular environment.

FunderaX · Confidential presentation11 / 18
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Trust and control12

Control by design

Controls embedded across the transaction journey

FunderaX governs workflow; regulated decisions and execution remain partner-led.

Identity and access

  • Role-based permissions
  • Organization data separation
  • MFA-ready authentication
  • Session and access controls

Transaction controls

  • Maker-checker workflows
  • Approval thresholds
  • Duplicate detection
  • Document validation

Auditability

  • Time-stamped activity
  • Decision and status tracking
  • Exportable audit reports
  • Reconciliation records

Partner-led compliance

  • KYC / KYB integration
  • Screening workflows
  • Licensed funding partners
  • Data-protection alignment
TENANT SEPARATIONMAKER-CHECKERSUMSUB EXTERNAL VERIFICATION PENDINGNO REGULATORY AUTHORIZATION CLAIMED
FunderaX · Confidential presentation12 / 18
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Business model13

Potential commercial model

Seven potential revenue paths

Modular commercial options—not contracted revenue.

01

Platform subscription

02

Transaction orchestration

03

Funder access / servicing

04

Enterprise implementation

05

API + integration

06

Premium AI Treasury

07

White-label licensing

More buyersVerified suppliers + invoicesMore funder participationBetter liquidity accessStronger retention
NETWORK VALUE

Proposed revenue streams. Final pricing depends on customer segment, partner model, services delivered, and applicable regulatory requirements.

FunderaX · Confidential presentation13 / 18
FunderaXFunderaX
Go-to-market14

Land, prove, expand

Pilot first, scale through anchor ecosystems

01

Controlled pilot

  • One anchor buyer
  • Selected suppliers
  • One or more funding partners
  • Defined approval workflow
  • Controlled environment
02

Ecosystem expansion

  • More suppliers + products
  • Accounting / ERP connections
  • AI Treasury insights
  • Payment-partner connectivity
03

Regional scale

  • Multi-buyer programs
  • Embedded distribution
  • GCC expansion
  • Approved tokenization pilots

Proposed initial sectors

Telecommunications + technologyConstruction + infrastructureDistribution + wholesaleRetail + e-commerceLogisticsProfessional services
FunderaX · Confidential presentation14 / 18
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Pilot proposition15

Proposed controlled pilot

90 days to establish evidence

Baseline, operate, measure, then decide whether to expand.

01Weeks 1–3

Configure

Map process, onboard partners, configure rules and test data.

02Weeks 4–6

Onboard

Bring suppliers in; validate invoices and funding workflows.

03Weeks 7–10

Operate

Run controlled transactions, monitoring and exception handling.

04Weeks 11–13

Evaluate

Review evidence, business case and scale recommendation.

Pilot KPI framework

Approved invoicesSupplier onboardingRequest conversionApproval timeLiquidity timingReconciliation accuracyEngagementException rateSatisfaction
PROPOSED · NOT YET APPROVED OR EXECUTEDBASELINES REQUIRED0 REAL SMEs ENROLLED
FunderaX · Confidential presentation15 / 18
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Roadmap16

Evolution path

From workflow platform to intelligent liquidity network

1
BUILT

Foundation

  • Roles + permissions
  • Invoices + POs
  • Deals + rules
  • Audit trails
2
PROTOTYPING

Integration

  • Accounting systems
  • KYC / KYB
  • Bank data
  • Payment partners
3
NEXT

Intelligence

  • Cash forecasting
  • Risk signals
  • Recommendations
  • Portfolio analytics
4
FUTURE

Programmable liquidity

  • Tokenized receivables
  • Restricted participation
  • Programmable settlement
  • Cross-platform distribution

Roadmap sequencing is indicative and depends on customer priorities, licensed partners, external access, testing, and applicable approvals.

FunderaX · Confidential presentation16 / 18
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The ask17

Build with us

Partner with FunderaX to build the next generation of SME liquidity

01

Pilot customer

An anchor buyer with an eligible supplier network.

02

Funding partner

A bank, fund, or licensed alternative-finance provider.

03

Technology + ecosystem partner

Integration, distribution, data, or digital-payment connectivity.

04

Strategic support

Regulatory guidance, market access, and pilot sponsorship.

FunderaX is ready to move from an integrated platform prototype into a controlled, measurable market pilot.

SUBJECT TO PARTNER, LEGAL, REGULATORY, SECURITY, AND OPERATIONAL READINESS
FunderaX · Confidential presentation17 / 18
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Unlock working capital.
Strengthen supply chains.
Accelerate SME growth.

Intelligent liquidity infrastructure for the real economy

Founder

Dogan BilgisuArchitech Advisory & E-Retail LLCDubai, United Arab Emirates
FunderaXLIQUIDITY OPERATING LAYERBUYERSUPPLIERFUNDERERP