Axial
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Live on Stellar Mainnet · Philippines-first

Axial

Instant Capital, Effortless Compliance.

Unlock cash from confirmed B2B receivables on Stellar, and prepare BIR EIS plus statutory payroll for human review on one pipeline.

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The structural gap

Philippine MSMEs are not failing because they are unprofitable. They are cash-trapped and compliance-loaded at the same time.

account_balance

Liquidity trap

Enterprise buyers enforce Net 60-90 while labor law demands bi-weekly payroll. Cash sits in receivables; payroll does not wait.

~$221B funding demand vs ~$15B formal supply

gavel

Compliance burden

BIR Electronic Invoicing deadline December 31, 2026 requires JSON + JWS within T+3. Most MSMEs still run statutory payroll on spreadsheets.

Mandate urgency pulls adoption without paid acquisition

One pipeline. Liquidity in. Compliance out.

Confirmed-invoice financing on Stellar Mainnet, with a Compliance Co-Pilot that prepares filings for your approval, not silent auto-submission.

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Instant capital

Tokenize a payer-confirmed receivable. Advance ~85% in USDC via atomic swap. No collateral.

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Statutory payroll

Route SSS, PhilHealth, and Pag-IBIG in one Soroban transaction.

fact_check

Effortless BIR EIS

Oracle maps 20 fields and JWS-signs. You review and submit within T+3.

How it works

  1. 1

    Payer confirms invoice

    B2B payer verifies the receivable and acknowledges the Notice of Assignment.

    T Invoice issued
    L KYB + confirm
    A NoA acknowledged

  2. 2

    Tokenize the receivable

    Axial mints a Stellar Asset Contract representing the verified receivable.

    T Fundable status
    L One mint per invoice
    A SAC on Mainnet

  3. 3

    Receive USDC advance

    An atomic swap delivers ~85% of face value in USDC, shown in pesos in the app.

    T Mint complete
    L 85% advance bps
    A USDC to wallet

  4. 4

    Route statutory payroll

    One Soroban transaction splits SSS, PhilHealth, and Pag-IBIG on-chain.

    T Payroll run
    L Statutory brackets
    A Agency wallets funded

  5. 5

    BIR EIS, ready to submit

    Oracle maps 20 BIR fields and JWS-signs. You review and approve within T+3.

    T Ledger final
    L Map + JWS
    A Human approve

Live today

  • checkReceivable mint + USDC atomic swap on Stellar Mainnet
  • checkPayroll split to SSS / PhilHealth / Pag-IBIG
  • checkPayer portal, NoA, eligibility gate before funding
  • checkEIS oracle → review-ready filing (mock BIR today)
  • checkLockbox funding via Freighter
  • checkOn-chain settle with lockbox balance pre-check
  • checkFunder Protection Center (book + diligence)
  • checkCalm Telegram alerts when you link a chat in Settings

Building next

  • arrow_forwardReal payer KYB + BIR Permit to Transmit
  • arrow_forwardLicensed financing partner for production capital

Feasibility

Technically ready on Mainnet. Commercially gated on BIR Permit to Transmit, licensed financing posture, and payer KYB, not on reinventing the chain stack.

DimensionRatingNotes
Product / techHighFour Soroban contracts on Mainnet; mint, swap, payroll, lockbox settle live.
Regulatory pathMediumCompliance Co-Pilot now; live BIR transmission gated on certification + PTT.
Unit economicsHighDual engine: ~1% platform spread on face + recurring compliance SaaS.
Go-to-marketMediumClear agency wedge; enterprise payer onboarding is the deliberate slow gate.
CapitalMediumRegulated / qualified liquidity partners, not an open underwriting-free pool.

Unit economics

Two engines. Planning assumptions for partners, not audited financials.

A · Liquidity spread

Per funded invoice · target platform take 0.5-1.5% of face (≈1% rule of thumb)

Face (example)
₱100,000
Advance (85%)
₱85,000
Platform take (~1% face)
₱1,000
Funder yield (from discount)
Risk capital share

B · Compliance SaaS

Recurring moat. EIS mandate makes this stick even without factoring that month.

  • Starter₱2,500 / mo

    EIS prep, statutory schedules, ≤50 invoices

  • Growth₱7,500 / mo

    Higher volume, payroll router, priority support

  • Scale₱20,000+ / mo

    Multi-entity, SLA, custom liquidity

Hard ceiling: MSME all-in cost stays below traditional PH factoring. Long-tenor AR is priced for duration, not pitched as short-cycle PayFi APY.

Business canvas

Lean canvas for Axial as a Philippines-first fintech infrastructure company.

Problem

Net 60-90 traps cash while payroll is bi-weekly. BIR EIS (T+3, Dec 2026) and statutory payroll still run on spreadsheets. Traditional factoring is slow and collateral-heavy.

Segments

Primary: 10-50 person PH B2B agencies. Secondary: F&B distributors. Capital: licensed financing partners. Payers: enterprise buyers who confirm + ack NoA.

UVP

Instant Capital, Effortless Compliance. ~85% of a confirmed receivable in minutes, with EIS and statutory splits prepared for one-click human approval.

Solution

Closed-loop confirmed-invoice financing on Stellar: confirm → NoA → mint → USDC advance → payroll split → EIS Co-Pilot → lockbox settle.

Channels

White-glove founder pilots, product site, Stellar/fintech intros, payer-led supply-chain wedges, EIS-deadline urgency content.

Revenue

0.5-1.5% platform spread per funded face + tiered compliance SaaS. Optional FX edge and micro origination fees.

Costs

Engineering, Cloud Run/Supabase, counsel/KYB, partner yield (pass-through), Co-Pilot support, custody upgrades.

Metrics

Time-to-liquidity, % fundable only after payer+NoA, EIS within T+3, settle/leakage rate, SaaS NR, financed face PHP.

Advantage

Domain Soroban contracts already on Mainnet plus PH-native EIS + statutory oracle on one pipeline. Closed-loop discipline, not open DeFi credit.

Axial turns a confirmed B2B invoice into instant working capital and review-ready tax/statutory compliance on Stellar Mainnet, with closed-loop settlement so funders finance receivables that actually exist.

Rails and discipline

Stellar Mainnet

Production USDC, 3-5s finality, audit trail for compliance memos.

Closed loop

Payer confirm + NoA + lockbox. Anti-fraud is legal assignment, not “the chain prevents it.”

Co-Pilot compliance

Prepare, review, submit. Auto-file only after BIR certification + PTT.

Licensed capital

Funders are qualified financing partners under RA 8556 posture, not open DeFi pools.

Team

Axon Enjin · Building Axial as production infrastructure for Philippine MSMEs

Carlos Jerico Dela Torre

Carlos Jerico Dela Torre

Product & Business Architect

Founder

Aidan Tiu

Aidan Tiu

DevOps Engineer

Gerald Berongoy

Gerald Berongoy

Full Stack Engineer

Rhandie Sales Jr.

Rhandie Sales Jr.

Full Stack Engineer

See the product on Mainnet

Upload an invoice, confirm the payer, advance USDC, and review an EIS-ready filing. The same rails we are taking to production.

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