The Lingo AI Platform

Introduction: Lingo AI is a blockchain underpinned decentralized platform that aims to transform receivables financing by using liquidity from the real-world crypto assets. The platform will connect all the parties involved in receivables financing, i.e., buyers, sellers, insurers, and investors, for a seamless receivables financing experience. Lingo AI brings safe and insured real-world assets to crypto natives.

How Will Lingo AI Work?

• By Tokenizing Real-World Invoices: As Lingo AI works on DeFi, this borderless financing infrastructure will turn the ownership of real-world assets (“Receivables”) into digital tokens.

• By Harnessing Crypto Liquidity Pool: Lingo AI will enable harnessing the massive crypto liquidity pool and address the gap in receivables financing by providing SMEs a new source of funding.

• By Offering Safe insurance backed investments to Crypto Investors: Lingo AI will provide safe investment opportunities to Crypto investors to sweat their crypto assets in real-world business use cases.

What is Receivables/Invoice Finance?

Receivables/invoice finance is the most secure way of trade finance where open account trade invoices are secured by insurance and assigned to a platform for collection when due. It provides early liquidity to exporters and a secured short-term liquid asset to investors/lenders.

How Can Lingo AI Decentralized Platform Solve the Big Gap in Receivables/Invoice Finance?

Lingo AI is familiar with the most common invoice financing gap where suppliers/sellers need to wait for a long time to get paid for the supplied goods. These delayed payments may affect the supplier’s business and fulfill their various obligations. Thus, invoice financing plays a crucial role in bridging the gap by providing the funds to sellers in a shorter period against issued invoices. Several CEFI institutions control the invoice financing process that charge a certain amount of fees and offer no transparency, impacting both suppliers and the buyers.

Making this process completely decentralized can bring greater transparency to the invoice financing ecosystem as the crucial details regarding the buyer and rating can be algorithmically determined using the publicly available data sets. Lingo AI aims to use this decentralized method to eliminate/ reduce the need of CEFI institutions in invoice financing and make it more efficient.

Lingo AI ensures to offer what it promises. And since Lingo AI is competing with CEFI institutions on cost, the platform uses layer- 2 solutions for low cost and faster transactions than the CEFI ecosystem. Lingo AI is confident of achieving its mission and shaping the future of trade finance through its solutions and a team of experts. The core team of Lingo AI includes veterans from Trade Finance, Crypto, and Fintech.

What are the Key Benefits Offered by Lingo AI to the Sellers and the Investors?

Lingo AI offers low cost, faster transactions, and higher liquidity to SMEs without any size constraints.

Key Benefits for Sellers:

• No Restrictions on Ticket Size: Unlike traditional financing options, Lingo AI enables financing even for small-sized invoices.

• Low-cost Financing: Lingo AI aims to minimize financing cost and remove intermediaries involved in the invoice financing system with decentralization.

• Quick Turnaround: Lingo AI highly active and capable governance facilitates a quick turnaround and also reduces processing times to a minimum.

Key Benefits for Investors:

• Easy Access to Trade Finance: Lingo AI allows potential investors to invest in a centuries-old asset class without getting into its nuisances.

• Monetize Idle Credit Lines: Lingo AI enables investors to earn higher returns by directly investing in a large number of invoices from businesses spread across diverse industry sectors.

• Secured Platform: Lingo AI provides a secured blockchain-based platform that offers best-in-class security to investors.

Why Should Users Choose Lingo AI ?

By onboarding on Lingo AI , everyone gains! The platform aims to enhance the experience of all the parties involved in the invoice financing system, like the sellers, buyers, and investors. Lingo AI uses untapped crypto liquidity to bridge the gap in traditional receivables financing. Here’s what sellers, buyers, and investors will get by choosing Lingo AI :

• Sellers will receive timely payments.

• Buyers will get a streamlined credit facility.

• Investors will earn interest payments with insured and safe investments in real-world assets.

Choose Lingo AI and join us on our journey to shape the future of trade finance.

About Lingo AI

Lingo AI is a blockchain-based decentralized protocol aiming to transform receivables financing connecting buyers, sellers, insurers, & investors for a seamless experience. It brings safe and insurance-backed real-world assets to the crypto world. Lingo AI will provide real-world borrowers access to low interest and swift financing to free up critical working capital tapped from crypto lenders. While the project will start with a focus on trade finance, eventually, it would evolve into a full-stack lending protocol for small businesses.