B2B Trade Finance Infrastructure

Digitally verifiable
payment conditions
that make money move

Taysiro is the infrastructure layer that replaces the slow cycle of invoice, verify, dispute, and pay with a single orchestrated flow where payment conditions are explicit, machine-readable, and cryptographically signed from the moment a purchase order is issued.

£22k
average annual cost of late payments per UK SME
50,000
SME closures per year directly caused by late payments
1-3%
early payment cost vs. 5-15% industry standard

Payments are slow because
verification is manual

Every participant in the B2B supply chain rebuilds confidence independently, from scratch, every time. The result is a slow, expensive cycle that costs the economy billions each year.

01
Supplier delivers goods No shared proof of completion. Both sides have their own records.
02
Buyer processes invoice Manual verification, email chains, spreadsheets, and re-keying.
03
Payment joins a queue No automated trigger. No condition logic. Just waiting.
04
Supplier waits 30-90 days Cashflow dries up. Growth stalls. The business is solvent but broke.
05
Supplier seeks finance Lender re-verifies everything from scratch. Cost: 5-15%. The redundancy is total.
The core insight: This is not a payments problem. It is a verification problem. Every participant - buyer, supplier, financier - rebuilds confidence independently, from scratch, every time. Taysiro eliminates that redundancy at the infrastructure level.

Four primitives that eliminate manual trust

Taysiro is not a payment processor. It is the infrastructure layer that makes payment conditions machine-readable, automatically enforceable, and cryptographically evidenced from the moment a purchase order is issued.

Conditional Payment Locking

The buyer pre-authorises payment when issuing a purchase order. Funds are ring-fenced - not transferred, not a deposit - a binding digital commitment the supplier can see and trust before starting work.

Certainty before work begins

Event-Driven Release

Payment releases automatically when conditions are met: buyer confirmation, delivery verification, milestone completion, or a configurable acceptance window. No invoices. No chasing. No disputes.

Automatic on delivery, not on request

Pre-Verified Receivables

Because payment is already authorised and conditions are digitally explicit, the supplier's receivable is pre-verified from the moment they accept the PO. This is not a traditional invoice; it is a guaranteed, condition-locked payment right.

Financeable from day one

Embedded Liquidity

Suppliers access early payment instantly, funded by regulated liquidity partners at 1-3%, versus the 5-15% industry standard. Because uncertainty has been removed, financing costs collapse. Liquidity is attached to the transaction, not the balance sheet.

1-3% vs. the industry's 5-15%

From purchase order to settlement, without friction

1
Buyer

Issue a digitally signed PO and lock payment

The buyer creates a purchase order with explicit, machine-readable conditions: acceptance windows, milestones, or delivery triggers. Payment is ring-fenced at the moment of issuance. The supplier sees confirmed, locked funds before lifting a finger.

2
Supplier

Accept with a hardware-bound cryptographic signature

The supplier accepts using a passkey (WebAuthn/FIDO2), a cryptographic credential bound to their device hardware. Their private key never leaves the device. The platform cannot forge their signature. The acceptance is immutably recorded in the hash-chained ledger.

3
Optional

Access same-day early payment at 1-3%

Because the payment right is pre-verified, the supplier can request same-day funding from a regulated liquidity partner. Eligibility is calculated in real time based on the locked commitment. No re-underwriting. No debt created. The liquidity partner purchases a condition-locked payment right.

4
Platform

Delivery triggers automatic settlement

When the buyer confirms receipt or the acceptance window expires, the platform automatically releases the locked funds to the correct beneficiary. No invoice. No approval workflow. No delay. Every event is signed, ledgered, and independently verifiable.

5
All parties

A Trust Envelope is generated for every transaction

The platform packages every event, signature, Merkle inclusion proof, and external notarization into a self-contained Trust Envelope. Any party - auditor, regulator, bank, counterparty - can independently verify the complete lifecycle without contacting Taysiro.

Trust as a mathematical property,
not a platform promise

We do not ask participants to trust the platform. We give them evidence they can verify independently. The platform is an orchestrator, not an authority.

Layer 1

Hardware-Bound Digital Signatures

Every critical action is signed using passkeys (WebAuthn/FIDO2), cryptographic credentials bound to the user's device hardware via biometric sensor, security key, or platform authenticator. Private keys never leave the device. The platform cannot sign on behalf of any user, even with full database access.

Standard: WebAuthn / FIDO2 Deployed by: Google, Apple, Microsoft (4+ billion accounts)
Layer 2

Tamper-Evident Hash Chain

Every signed event is appended to an immutable, hash-chained ledger. Each entry includes a SHA-256 hash of the previous entry; any modification breaks every subsequent hash and is immediately detectable. The same principle underpins blockchain, without the overhead of consensus, gas fees, or token economics.

Algorithm: SHA-256 canonical JSON Same primitive as: Certificate Transparency (Let's Encrypt)
Layer 3

Self-Contained Cryptographic Proofs

The user's device signs the specific business action, not a random nonce. The resulting signature is cryptographically bound to both the user's identity and the exact action they approved. Every Trust Envelope is independently verifiable by any party at any time, without contacting our platform.

Output: Trust Envelope (signed JSON) Notarised: Sigstore Rekor transparency log
Layer 4

Merkle Tree Anchoring

Periodic global anchors commit a binary SHA-256 Merkle tree over all entity head hashes to a single root. This root is published to the Sigstore Rekor transparency log, an independently verifiable, tamper-evident timestamp from a neutral third party.

Method: Binary SHA-256 Merkle tree External anchor: Sigstore Rekor (Google-operated)
Scenario
Traditional Platform
Taysiro
Did the buyer approve this PO?
Check our database (trust us)
Verify the signature (trust maths)
Was this record tampered with?
We say it wasn't (trust us)
Recompute the hash chain (trust maths)
Did the supplier consent to early payment?
We have a log entry (trust us)
Intent hash is in their signature (trust maths)
Could the platform delete an inconvenient record?
Theoretically yes (trust us)
No: it breaks every subsequent hash (trust maths)

Purpose-built for every participant

Taysiro aligns the incentives of buyers, suppliers, and liquidity partners around a single shared source of cryptographic truth.

Procurement

Buyers

  • Policy-driven multi-approver workflows with configurable value thresholds
  • Complete cryptographic audit trail for every PO decision
  • Attract and retain suppliers with payment certainty, not promises
  • ERP-compatible PO import and automatic condition mapping
Finance

Liquidity Partners

  • Fund against pre-verified, cryptographically signed payment commitments
  • Configurable exposure controls, buyer whitelists, and risk tiers
  • Real-time concentration, tenor, and sector exposure dashboards
  • Independent verification of every funded receivable, no platform dependency

One platform, any jurisdiction

The trust core, state machines, and evidence model are jurisdiction-agnostic by design. Settlement rails, currency accounting, regulatory mapping, and compliance rules are pluggable modules, allowing the platform to be configured for any market without changes to the core protocol. The United Kingdom, the Kingdom of Saudi Arabia, and Qatar represent our initial pilot configurations.

United Kingdom Exploring

The UK's mature Open Banking infrastructure and Faster Payments rails provide the first live settlement configuration. A clear regulatory framework and active fintech ecosystem make it the natural starting point for early traction.

  • Open Banking / Faster Payments rail adapter
  • FCA regulatory mapping for payment facilitation
  • GBP integer accounting (pence) built in
  • UK Innovation Challenge backing, procurement-to-pay focus

Kingdom of Saudi Arabia Exploring

SAMA's Open Banking mandate and Vision 2030's digital procurement agenda offer a high-volume corridor. The platform's Sharia-compliant fee structure is a protocol-level design choice, not a label, making it a natural fit for Islamic finance markets.

  • SAMA Open Banking framework and SARIE rail adapter
  • Vision 2030 digital procurement alignment
  • SAR integer accounting (halalah) built in
  • Sharia-compliant by design, ujrah service fee, not debt discounting

Qatar Exploring

Qatar's National Vision 2030 and QCB's digital finance roadmap represent a logical extension. GCC cross-border trade corridors between Qatar and Saudi Arabia, combined with strong institutional procurement spend, align well with the platform's existing architecture.

  • QCB digital finance framework compatibility
  • QAR integer accounting, same pattern as SAR adapter
  • GCC cross-border trade corridor alignment
  • Shared Sharia-compliance model with KSA configuration
Sharia compliance at the protocol level

The liquidity mechanism is structured as a flat service fee (ujrah) for payment acceleration, not a time-based discount on debt. The liquidity partner bears genuine delivery risk. This is not a labelling exercise; it is a structural design choice embedded in the data model, making the platform compatible with Islamic finance principles by construction.

Built to institutional standards

Taysiro is an early-stage platform built to production engineering standards from the ground up. Comprehensive test coverage, financial integrity checking, and cryptographic primitives validated against battle-tested industry specifications; the architecture is designed to scale, not to be replaced.

501
Passing tests across 30 test suites
15
Independent verification checks per Trust Envelope
12
Cross-state-machine financial invariants enforced continuously
0
Blockchain required - tamper evidence without the overhead
WebAuthn / FIDO2 passkey signing, no custom cryptography, OS-level hardware protection
SHA-256 hash-chained append-only ledger with canonical JSON serialization
Binary Merkle tree anchoring with Sigstore Rekor external notarization
Atomic SELECT FOR UPDATE double-payment prevention, race condition proof
Integer minor-unit accounting in GBP (pence) and SAR (halalah), no floating point
Idempotent financial operations with HTTP and service-level replay guards
Financial integrity checker verifying 12 cross-state-machine invariants on a cron schedule
Pluggable settlement adapter layer, swap-ready for Faster Payments, SARIE, or CBDC rails
Feature flag and pilot gating system for controlled rollout per organisation
Standalone CLI and web-based Trust Envelope verifier, no Taysiro dependency
Infrastructure
Google Cloud Run
PostgreSQL 15
Terraform / IaC
NestJS + Next.js
Cloudflare CDN
Rust

Get in touch

Taysiro is in early pilot onboarding. We are working with a select group of anchor buyers, suppliers, and regulated liquidity partners across our initial pilot markets. If you are a VC, institutional partner, or interested in a pilot in your jurisdiction, we would like to hear from you.

Pilot onboarding is invitation-led. All enquiries are reviewed within 48 hours.