A business holding a $100,000 invoice due in 60 days might list it at a 5% discount ($95,000). An investor purchases the invoice, providing the business with immediate capital. When the debtor pays at maturity, the investor receives $100,000—a 5.26% return over 60 days.
The pattern
Product
Asset Type
Typical Maturity
P2P OTC Trading
TPT Tokens
Immediate
Invoice Factoring
Unpaid Invoices
30-90 days
Supply Chain Finance
Purchase Orders
60-120 days
Trade Finance
Trade Documents
30-180 days
The underlying economics remain consistent across products: discount now, collect full value later.