Celo Invoices is a mobile-native invoice financing protocol integrated into the Celo MiniPay wallet. It enables freelancers and small businesses to receive instant liquidity for pending invoices through on-chain financing and client-verified attestations.
Invoices are turned into on-chain assets (NFTs), verified by clients through wallet signatures or messaging platforms (e.g., WhatsApp), and funded using Mento stablecoins across 12+ currencies, such as:
🇪🇺 cEUR
🇧🇷 cBRL
🌍 cXOF, cKES, cGHS, cZAR
🇨🇦 cCAD, 🇦🇺 cAUD, 🇬🇧 cGBP
🇵🇭 cPHP, 🇨🇴 cCOP
By leveraging digital identity, verifiable attestations, and stablecoins, Celo Invoices transforms the gig economy by providing faster, borderless, and affordable capital access.
We're on a mission to make trustless, instant invoice financing available to every mobile user on earth — starting with freelancers and SMEs who’ve been underserved by banks and platforms.
Celo Invoices empowers:
Freelancers to get paid upfront without relying on credit scores
Clients to build trust through transparent, signed approvals
Liquidity providers to earn yield from invoice financing
A new standard for on-chain, verified, real-world work payments
By turning invoices into verifiable, tradable on-chain assets, we're bridging the global freelancer economy with decentralized finance, powered by Celo’s mission-aligned stablecoin ecosystem.
Millions of freelancers, contractors, and SMEs across the globe suffer from delayed invoice payments, often waiting 30–90 days after delivering work. This problem has several consequences:
💸 Cash flow crunch: Prevents timely salary payments or reinvestments
🕒 Long payment cycles: Causes operational bottlenecks
📉 Limited access to capital: Traditional factoring and credit systems exclude informal workers
🌐 No global support: Most platforms are fiat- and region-specific
📱 No mobile-native tools: Existing solutions are inaccessible for the mobile-first world
This is especially acute in emerging markets where informal or gig work is prevalent and invoice reliability is low.
Celo Invoices lets users:
Upload or generate an invoice via mobile
Request client verification (via wallet signature or WhatsApp OTP)
Mint an NFT representing the claim
Get instant funding in stablecoins like cUSD, cKES, or cEUR
Client repays to a smart contract, automatically settling LP funds
🔒 Each invoice includes:
IPFS-based storage
Client signature or WhatsApp proof
Optional AI-based fraud scanning
Digital signature embedding in PDF
EAS attestations for reputation-building
🪙 Supports the full Mento stable token set:
cEUR, cKES, cGHS, cZAR, cBRL, cPHP, cCOP, cXOF, cGBP, cAUD, cCAD
This system:
Provides instant working capital
Incentivizes honest client behavior
Enables global liquidity pools
Is trustless and borderless
Celo Invoices earns a small fee on each invoice financed, shared between the protocol and liquidity providers. Revenue is generated from: Repayment fee: A small % taken from successful client payments. Celo Invoices Premium: e.g., instant payouts, risk assessment tools, AI Agents. The model aligns incentives between freelancers, liquidity providers, and the protocol.
Want to raise from VCs
Kenya, Nigeria, Ghana, South Africa, Senegal, Brazil, Colombia, Philippines, United Kingdom, United States, Europe, Canada, Australia
N/A