Get paid today

Borrow against a Faktur Pajak: funders pay you 80% of it now, and you repay when your customer pays you.

For:
Seller (PKP)

Finance a Faktur Pajak

The number printed on your Faktur Pajak in Coretax. Dots and dashes are ignored.

Connect your wallet to submit.

Your invoices

Connect a wallet first

Your invoices are read from the blockchain for this wallet.

Your wallet

Verified business (Chainlink ACE)-
MockIDRX balance (test rupiah)-
Borrowed now / your limit-

How it works

Step by step, with a Rp100M example

  1. Example: you sold goods for Rp100M

    Your customer will pay in 60 days, and you issued a Faktur Pajak for the sale.

  2. Verify your business once, then submit the number

    Your business and NPWP become a Chainlink ACE credential. Chainlink then checks each invoice with the tax office and that it carries your NPWP. Your customer is never contacted.

  3. Funders lend Rp97M: Rp80M reaches you today

    It's sent the moment they fill the vault. The other Rp17M stays in the vault as a safety buffer for funders.

  4. Your customer pays you, you repay Rp100M

    The vault releases the Rp17M it held back to you. Net: you received Rp97M and paid Rp100M, a cost of Rp3M (3%).

If you don't repay, you lose the held amount and this wallet can't finance again. Simulated Tax data and MockIDRX are test data.
Words used on this page
Faktur Pajak
The official tax invoice a VAT-registered business (PKP) issues to its customer in Coretax. Each has a unique number.
Invoice financing
Getting paid now for an invoice your customer will pay later. Funders lend the money; you repay when your customer pays.
Vault
A pool of money for one invoice, run by a smart contract. Funders put money in, the seller is paid from it, and repayments go back into it.
MockIDRX
A test copy of IDRX, a rupiah stablecoin (1 token = Rp1, 2 decimals). It has no value and is not issued by IDRX; get it free with "Get test MockIDRX".
Approve
Giving a contract permission to take an exact amount of a token from your wallet. Nothing moves until the next step.
Network fee (gas)
A small fee the blockchain charges for every confirmed action, paid in test ETH on Arbitrum Sepolia.
Shares
Your receipt from a vault. They record your part of the invoice and are swapped back for money when you withdraw.
Default
The seller did not repay after the due date and a grace period. Funders then share the money held in the vault.