Imagine if every unpaid invoice sitting in a company’s books could instantly become a financial asset — something that can be traded, financed, and invested in, all securely on the blockchain. That’s exactly what PlatformD does.

PlatformD is a next-generation financial technology platform that transforms electronic invoices into digital securities — financial instruments that investors can buy and trade, just like bonds or other investments. By doing so, it connects businesses that need faster cash flow with investors looking for investment grade assets with real-world risk-free rate plus returns.

A new way to unlock business capital

Every business that issues invoices faces the same challenge: waiting to get paid. In traditional systems, it can take 30, 60, even 90 days before funds arrive. For small and medium-sized enterprises, this delay can slow growth and limit opportunities. Meanwhile, traditional financing solutions like factoring or short-term loans can be expensive and filled with intermediaries.

PlatformD changes that. It allows companies to sell their invoices at capital market rates instantly on the platform, getting paid right away. PlatformD securitises their invoices — that is, converts them into verified, investment-grade digital securities recorded directly on the blockchain. Investors can purchase these digital securities and earn yield backed by real economic activity — the movement of goods and services in supply chains.

This process removes the middlemen, reduces costs and makes capital flow much more efficiently. How it works:

• A company uploads its electronic invoice to PlatformD.

• The invoice is verified and turned into a unique tradable digital security, recorded securely on PlatformD’s Digital Securities Depository (DSD) — a new alternative Financial Market Infrastructure license to the Centralised Securities Depository (CSD).

• Investors buy these securities, providing instant cash flow to the business.

• When the original invoice is paid by the buyer, investors receive their principal and return — all handled transparently on-chain.

It’s peer-to-peer, fast, and non-recourse — meaning businesses don’t take on debt and investors have clear visibility on what they’re investing in.

Use case: real returns from real business activity

To see what this means in practice, imagine three people — Paul, Jane and Brenda — each playing a different role in the same business process.

Paul runs a clothing factory that supplies big fashion brands. Like many small manufacturers, he often waits 60 to 90 days to get paid after sending his invoices. That delay ties up cash he could use to pay his team, buy materials, or accept new orders. With PlatformD, Paul doesn’t have to wait anymore. As soon as he issues an electronic invoice and the invoice buyer acknowledges it, the system transforms it into a digital security on DChain — a secure blockchain designed for finance. This means his invoice becomes a legally verified digital asset that investors can purchase. Paul receives the full payment almost instantly, freeing up cash to keep his business growing.

Jane, a professional investor managing a fund, is looking for short-term, low-risk investment opportunities. Through PlatformD, she can buy the digital securities created from Paul’s invoices. Each one is backed by a real transaction between real companies with payment behaviour analysed, not speculation. Thanks to DChain’s built-in compliance and self-sovereign identity (SSI) system, Jane knows her investment is compliant and fully regulated. She can track the security’s performance in real time, with confidence that the blockchain automatically enforces the rules and records every step.

Finally, Brenda, who oversees finances for a major clothing brand, receives Paul’s goods and verifies the invoice. For her, PlatformD makes the entire process smoother and more transparent. The blockchain automatically links every document and transaction, reducing paperwork and human error. Brenda can easily confirm that her company’s payments are compliant and traceable, helping her build a fair and sustainable supply chain with trusted suppliers.

Dchain: the blockchain built for real finance

Most blockchains today were designed for trading tokens or running simple apps — not for handling the rules, trust and compliance that financial institutions need. Imagine trying to run the capital markets branch of an investment bank on the same system used to trade collectibles or NFTs — it’s not built for that.

Dchain is a new kind of blockchain, purpose-built to support financial markets safely and efficiently. Instead of relying on anonymous participants or speculative rewards, Dchain is designed for verified, accountable and compliant operations — just like a regulated financial system, but faster and more transparent.

For example, on most blockchains, anyone can become a validator (the computers that confirm transactions) just by locking up enough tokens. On Dchain, validators must prove their identity and compliance, just like licensed financial operators. Their credentials are checked automatically each time they help process a block, ensuring that only trusted, verified entities keep the network running.

Governance — or decision-making — also works differently. Instead of being dominated by a few big token holders, Dchain uses a two-layer system where verified token holders can vote, and an independent oversight committee can intervene in case of a regulatory or security concern. This creates a balance between openness and accountability — like having both shareholders and regulators ensuring fair play.

Even the way money flows in Dchain follows real economic logic. When platforms like PlatformD use Dchain to create and trade digital assets (such as invoice-based securities), Dchain tokens are burned in proportion to the value of those assets. This means the network’s growth is tied directly to real economic activity — not speculation or transaction spam — making it more stable and meaningful for users and investors alike.

Finally, Dchain comes with built-in compliance tools that make it easy for businesses to meet regulations automatically. Instead of manually checking every participant, companies can use verifiable credentials — a bit like digital ID cards that can dynamically and selectively disclose information — to confirm who they’re dealing with, without exposing sensitive data. Dchain provides the trust of traditional finance with the speed and automation of blockchain. It’s not about replacing financial rules — it’s about building them into the system itself, so developers and institutions can focus on creating the next generation of secure, efficient and accessible financial products.

What’s new in Dchain’s Theodoric-II Testnet ?

Dchain’s new testnet, Theodoric-II, is a big step forward in building a blockchain designed specifically for finance — where trust, compliance and transparency really matter.

1. Asset notarisation — proving what’s real, onchain
   When a real-world asset (like an invoice, loan or bond) is represented on the blockchain, there needs to be proof that it’s real and legally valid. PlatformD uses advanced digital signatures (aligned with Europe’s eIDAS 2.0 standard) to make that link legally binding. It is like a certified stamp that proves a digital asset is directly connected to a real document or contract — verified, secure and recognized by law. Such assets can then be verified by all operators running Theodoric-II, ready to be securitised.
   
   

2. Full onchain securitisation process
   This testnet now lets developers simulate the entire process of turning assets like invoices into tradeable digital securities — from creation, to issuance, to repayment — all onchain. Every step is cryptographically auditable, meaning every action can be verified and tracked, making the process transparent and tamper-proof.
   
   

3. Smarter token economics — real value, not speculation
   Instead of charging random transaction fees, DChain’s network fees are tied to the value of the real assets being securitised. This makes costs predictable and connects the blockchain’s growth to actual economic activity — not just trading volume or speculation.
   
   

4. Smart accounts — safer, simpler user control
   Theodoric-II introduces accounts that combine self-custody (you control your assets) with built-in tools for recovery, automation and verified identity. It’s like having a secure digital wallet that’s smart enough to handle compliance automatically, without losing the freedom of self-ownership.
   
   

5. Credential-gated governance — responsible decision-making
   Anyone can take part in governance, but voting rights depend on holding the right credentials. This creates legally defensible DAOs — decision-making systems where only qualified, verified participants can shape the network, ensuring accountability across different jurisdictions.

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PlatformD represents the bridge between the digital economy and the real economy. It gives small businesses faster access to funding, gives investors a tangible and ethical way to earn returns, and pushes the global financial system toward more transparency, inclusivity and efficiency.

Unlike many blockchain projects that simply “tokenize” existing assets, PlatformD creates native, compliant digital securities. These are not speculative tokens but regulated financial instruments — bringing the reliability of traditional finance into the agility of Web3.

We are very proud to be a validator on Dchain, actively supporting PlatformD’s mission to transform the existing financial ecosystem.