about

factoring.exe, minus the factor

Businesses have advanced each other cash against unpaid invoices for as long as invoices have existed. Runway doesn't reinvent that — it just removes the company that used to sit in the middle, holding funds, setting minimums, and taking days to wire money a contract moves in seconds.

diff

factor vs. Runway

evaluated_bya factoring company, over daysany funder, in one transaction

funds_held_bythe factor's accountnobody — direct wallet transfers

min_invoice_sizeset high, paperwork isn't worth it below thatnone

debtor_historythe factor's private records, if keptpublic, on-chain

settlement_time1-5 business days~5 seconds

status

what's actually real

Testnet, not mainnet — free while that's true. The contract is real, tested, and deployed; the frontend calls it directly. There's no backend to trust in between.

Invoices settle in native XLM today. Stablecoins and mainnet are the next two things on the list — see the README.

One thing Runway will never claim: that it can force a debtor to pay. It can't — no contract can compel an off-chain relationship to resolve. What it guarantees is narrower and real: whatever payment does land gets routed to whoever is actually owed it. Read the source and check for yourself.