The structural constraint
Digital commerce is all about speed. Apart from getting paid.
Whether selling goods or services, the platform model depends on a gap between sale and payment. This isn’t a flaw – it’s fundamental: holding funds enables trust, protects buyers and supports dispute resolution. But it creates a second-order problem: businesses don’t get paid for weeks after they fulfil a sale.
The wait between a fulfilled sale and payment averages 20+ days globally. Often longer in sectors like travel and services.
When cash is locked up, businesses reinvest more slowly. Inventory and capacity are constrained, platform GMV grows more slowly.
By embedding our liquidity product, Daily Advance, you can help businesses get paid faster.