ESCROWFIARC / USDC / 2026

Working capital,
verified.

SME trade finance on Arc, where the credit gate is a verifiable compliance proof — not trust.

USDCescrow, advances, and waterfall settlement

T+0advance after a local proof check

ARCdeterministic financial workflows

SMEsworking capital when the invoice matters

ESCROWFI02 / 08

The problem

An exporter needs cash today. The buyer pays at maturity.

01 / THE GAP

Invoices are assets — but SMEs cannot wait.

Working capital is trapped between shipment and buyer payment. Traditional underwriting adds more delays, institutions, and trust assumptions.

02 / THE REQUIREMENT

The credit decision must be real-time and defensible.

The pool needs a way to advance USDC immediately while keeping every release bound to a specific trade, payee, and amount.

ESCROWFI03 / 08

The workflow

One proof coordinates three money moves.

01

Escrow

The importer locks the invoice amount in USDC on Arc, earmarked for one trade.

02

SA-gated advance

EscrowFi verifies the Settlement Authorization locally, then advances the exporter T+0.

03

Waterfall release

At delivery or maturity, the escrow splits atomically: principal + fee to LPs, residual to exporter.

No valid proof, no money. No frontend parameter can bypass the gate because the gate sits inside the accounting core.

ESCROWFI04 / 08

Architecture

Two systems share no trust — only a verifiable proof.

① Issuance — Deal Desk side

② Consumption — EscrowFi side

SME exporterinvoice · parties · corridor

Deal DeskERC-8004 agent #854638

MSB-Agentjurisdiction modules

EscrowFi poollocal SA gate + accounting core

Arc chainUSDC advance + settlement

Credit Passportre-verifiable ledger history

trade case

x402 evidence

EIP-712 SA

USDC payout

tx hashes

ESCROWFI05 / 08

The trust boundary

Five local checks before a cent leaves the pool.

① HASHHash integrityThe key must equal the recomputed SA content hash.

② SIGNATURERegistered signerEIP-712 signature must resolve to the ERC-8004 trust root.

③ EXPIRYNot expiredThe bound settlement window has to be live.

④ PAYEEPASS leg for this payeeThe proof must name the exporter who receives funds.

⑤ AMOUNTAmount within the legRequested advance cannot exceed the approved nominal amount.

ESCROWFI06 / 08

Why Arc

The financial workflow is designed around Arc — not merely deployed on it.

Every business rule needs a payment rail with predictable time and predictable money.

Arc gives the pool a USDC-native environment for escrow, credit advances, distribution, and settlement — precisely the operations that make SME trade finance difficult to coordinate off-chain.

USDC FEESDollar-denominated costsSettlement economics stay legible to finance teams.

FINALITYReal-time workflowsDeterministic finality makes T+0 credit operationally credible.

CONTRACTSProgrammable flowsEscrow, advance, and waterfall rules execute together.

CIRCLE INFRACross-chain USDCSettlement can extend as exporters choose receiving rails.

PAYMENTS + DISTRIBUTIONA system for real financial operationsNot a ledger demo: the architecture is built for payments, distribution, and the working-capital workflows SMEs actually need.

ESCROWFI07 / 08

The compounding asset

The by-product is the product: a re-verifiable Credit Passport.

Each completed cycle becomes on-ledger evidence. The passport is never stored; it is derived from the pool ledger on every read and each line re-runs the SA check.

That replaces institutional due diligence with a machine-verifiable transaction artifact: registry → signature → escrow coverage → advance → settlement.

Compliance-as-collateral instead of credit committees.

ESCROWFI08 / 08

The opportunity

Make every SME invoice capable of proving why it deserves capital.

EscrowFi turns stablecoin escrow, verifiable payment history, and deterministic settlement on Arc into working capital that moves at the speed of proof.

BEST SME TRADE FINANCE & WORKING CAPITAL WORKFLOW