PlatformD is infrastructure for issuing real-world assets as compliant digital securities onchain – originated, issued and settled end to end. Today it does this for verified trade invoices: a supplier is paid immediately for an invoice owed by a large buyer, and an investor holds a single, credit-enhanced security until the buyer pays at maturity.

No. The infrastructure is built to issue any verifiable real-world asset as a digital security; the trade invoice is simply the first. Invoices came first because regulation is turning them into clean, signed, verifiable data at source – exactly the input an issuance system needs – at the scale of a multi-trillion market. The same rails extend to other real-world assets as their data follows the same path.

Each security carries the credit of a single, named obligor, selected upstream for investment-grade quality and credit-enhanced by a transparent onchain reserve. The structure is built to carry an official rating from a major rating agency. That rating is the independent confirmation of quality and is part of the path to live issuance.

Yes – the securities are designed for institutional allocators, including treasuries and asset managers deploying into onchain vaults. Each is a single-obligor, credit-enhanced, investment-grade digital security, native to the onchain ecosystem it settles in, so it can be held to maturity, posted as collateral, or moved across chains. Live access follows the path to issuance set out in “Where We Are”.

PlatformD is in testnet, running a non-transactional pilot of the full flow with institutional participants. Live transacting of digital securities begins once the Bank of England confirms the next sandbox gate, targeted for early 2027. All platform data shown publicly is simulated, for demonstration.

PlatformD operates as an entrant in the joint Bank of England and FCA Digital Securities Sandbox – the UK’s supervised route for bringing digital securities into live production. The regulated market-infrastructure entity is established and supervised in London.

Factoring discounts an invoice at a rate reflecting the supplier’s own credit, through one financier. PlatformD prices on the buyer’s credit instead – usually far stronger – on a 24/7 marketplace of institutional investors, non-recourse, with no impact on the supplier’s borrowing capacity.

Nothing, when invoices are paid on time. The buyer’s only action is to confirm an invoice it already owes. There is no new debt, no change to payment terms, and no impact on the buyer’s balance sheet.

Most tokenised real-world assets are originated through the traditional chain of intermediaries and issued as a token at the end – the opacity is inherited. PlatformD originates onchain: each asset is verified, issued and settled natively, with no analogue machinery beneath the wrapper.

Private-credit protocols typically pool loans and issue a token against the pool, reproducing the opacity of traditional securitisation onchain. PlatformD issues each asset individually as a single-obligor security – no pool to look through, the named obligor is the credit, with credit enhancement and a real-time payment score visible at all times.

DeFi money markets let you borrow against volatile crypto collateral, priced by an oracle and sold off automatically if its value falls – a buffer, not a credit assessment. PlatformD’s asset is a verified real-world receivable carrying the obligor’s rating, credit-enhanced rather than liquidated. The collateral is the asset itself, and the risk is managed by credit quality and the Assurance Reserve Trust, not by forced selling.

Yes, that is the design. PlatformD exposes an agent interface so that the AI agents inside a company's accounts-payable, accounts-receivable or treasury systems can create, submit, confirm and track invoices on the company's behalf, and sign within a mandate granted by its legal representative. The interface is in early access with design partners ahead of live issuance; write to info@platformd.io.

No. PlatformD originates the asset; it does not need to own the workflow. Invoices can arrive from an existing e-invoicing provider, be created on the platform directly, or be submitted by an agent acting for the supplier or the buyer. Whichever route, the invoice is signed at source, confirmed by the buyer and notarised on Dchain the same way.