FactorFi — Institutional Reverse Factoring Protocol

FactorFi is an institutional-grade decentralized trade finance protocol built on the Arc Testnet for high-fidelity stablecoin invoices. It leverages Circle's Stablecoin infrastructure (USDC, CCTP, App Kit, Programmable Wallets) to solve the $3 Trillion SME trade finance gap by enabling instant invoice liquidity.

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🏗️ Architecture & Circle Integration

FactorFi heavily utilizes the Circle Commerce Stack to deliver a frictionless B2B experience.

sequenceDiagram
    participant S as Supplier (SME)
    participant F as FactorFi (Arc Smart Contract)
    participant A as Anchor (Enterprise)
    participant I as Investor (Yield Fund)
    participant C as Circle CCTP
    
    Note over S,I: 1. INVOICE SUBMISSION
    S->>F: Submit Invoice ($10,000)
    Note left of S: Gasless via Paymaster<br/>(Circle Programmable Wallets)
    A->>F: Approve Invoice (On-chain Sign)
    
    Note over S,I: 2. LIQUIDITY & YIELD
    C->>I: Bridge cross-chain capital via CCTP
    I->>F: Auto-Fund Vault (Smart Yield 3%)
    F->>S: Instant Payout ($9,700 USDC)
    
    Note over S,I: 3. SETTLEMENT
    A->>F: Settle at Due Date ($10,000 USDC)
    F->>I: Repay Principal + Profit ($10,000 USDC)

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Circle Tech Stack Implemented

1. Arc Native Gas (USDC): The entire protocol runs on Arc Testnet, utilizing USDC as the native gas token to eliminate ETH/MATIC exposure for B2B enterprises.
2. Circle App Kit: Integrated directly into the BridgeView.tsx via createViemAdapterFromProvider for high-fidelity CCTP interactions.
3. Cross-Chain Transfer Protocol (CCTP): Visualized bridging of institutional capital to Arc to fund local SME invoices.
4. Programmable Yield / Smart Contracts: Real smart contract logic (deployed using Solc viaIR optimizer) managing multi-party escrow, yield distribution, and automated settlements.

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👨‍⚖️ For Judges: How to Evaluate

We have optimized the protocol to give you a "Day-1 Production" experience. The application has been pre-seeded with real on-chain transaction history.

1. The On-Chain Reality

Open the Dashboard. You will immediately see:

• Live Settled Volume and Factored Volume.
• A real Credit Passport generated from historical settlements.
• An Event Feed streaming live from the Arc Testnet.
• Export to CSV: A real-world enterprise feature to download settlement reports.

2. Programmable Money (Investor Tab)

Go to the Investor tab.

• Observe the Auto-Factor Vault UI. This demonstrates how institutional capital doesn't "click buttons"—it sets Smart Rules (Min Discount, Min Anchor Score) to automatically deploy USDC into yielding invoices.

3. CCTP Mastery (Bridge Tab)

Go to the Bridge tab.

• We built a high-fidelity CCTP Interactive Visualizer. It demonstrates the exact underlying 4-step process of CCTP (Approve -> Burn -> Attest via IRIS -> Mint) to prove deep architectural understanding of Circle's bridge mechanics.

4. Zero-Friction UX (Supplier Tab)

Go to the Supplier tab.

• Toggle the Gasless Submission (Account Abstraction) switch. In a production environment, this integrates with Circle Programmable Wallets / Paymasters so SMEs never have to understand gas mechanics.

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🚀 Running Locally

# 1. Install dependencies
npm install

# 2. Configure Environment (Copy .env.example to .env)
# NEXT_PUBLIC_CIRCLE_KIT_KEY=your_key_here
# PRIVATE_KEY=deployer_key_here

# 3. Start Development Server
npm run dev

Empowering SMEs with programmable money and frictionless stablecoin trade rails.