"It's for $9,000."
The amount, date or customer was changed after the invoice was issued.
Caught at issueThe supplier's accounting system registered the real $180. The halves don't match.
In developmentLooking for founding factors
For factors and invoice lenders
Fund the invoice. Not the lie.
Before you advance a dollar, Countersign checks three things: was the invoice changed, was it already sold to another lender, and did the customer confirm it. Only a fingerprint leaves your system. The invoice never does, not even to us.
Stock · what you were sent
INV-4471 · Brightline Grocers
Amount$9,000.00
Foil · registered at issue
INV-4471 · Brightline Grocers
Amount$180.00
58%
of the fraud cases studied by SFNet's 2026 task force involved fabricated or inflated receivables.
SFNet, March 2026$2.3bn
in third-party factoring liabilities at First Brands, where invoices were allegedly inflated and sold to more than one financier.
Reuters, September 20250
invoices a UCC-1 search can tell you about. It covers the borrower, not the receivable, so it can't show an invoice was sold twice.
UCC §9-322
The three ways an invoice lies
Lie 1
Lie 2
Lie 3
Each lie gets caught by someone who knows the truth.
A supplier can sign anything. So Countersign never takes the supplier's word alone.
"Nobody else has it."
The same invoice, or a renumbered copy, was already sold to another factor.
Caught across lendersAnother member already pledged it. You learn that, never who.
"The customer owes this."
The invoice was made up from nothing. Signing it doesn't make it real.
Caught by the customerTheir payables team won't countersign an invoice they don't owe.
How it works
One check. No new system.
Drop an invoice in, or send a CSV or API call from your back office. You get an answer before you fund. The technical version.
- 01
Drop it in
PDF, CSV or API. The fields are read and turned into a fingerprint on your side.
- 02
We check it
Against what was registered at issue and what other factors have pledged.
- 03
The customer confirms
One tap with a passkey. No account, no portal, no phone tag.
- 04
You fund
With a signed receipt for your file, your auditor and your bank.
Privacy
Your book stays yours.
Only a fingerprint of the invoice leaves your system. Customer names, amounts and terms never do. When another factor's check hits your pledge, they learn it's taken. They never learn it's you.
cs1:7f3a 91c0 e24b 0d8f 55a1 c9e7 3b02 aa64
The receipt
Proof that doesn't need us.
Every answer is signed by Optima Prime, our signing server, with two signatures: Ed25519 and the post-quantum ML-DSA-87. Your auditor, your bank or a court can check it with the public key and open tools, without asking us.
See a sample receipt
Founding factors
We're starting with a small group.
The more factors in the network, the more it catches. Founding members help set the rules and get founding-member pricing.
- Useful on day one. Catch duplicates inside your own book and across your own clients, before anyone else joins.
- Priced per check, built to cost less than the staff time of a manual verification call.
- Freight and staffing first. High volume, small invoices, and the most to lose to a load billed twice.