Zetlar advances up to ~97% of your buyer-confirmed US invoices in minutes — verified against Mexico’s SAT and settled on regulated dollar and peso rails. Stop waiting 60 to 90 days to get paid.
For Mexican exporters shipping to US buyers. No commitment — we onboard partners as we open access.
Invoice
US buyer · Net 75
$48,500.00USD
$47,045.00
Settled in minutes
The problem
You shipped weeks ago. The goods cleared customs. But payment terms mean the money won’t land for 60, 75, sometimes 90 days — and when it finally crosses the border, correspondent banks skim it with FX spreads and wire fees you never agreed to.
US buyers dictate net terms. Your working capital sits frozen while you cover payroll, materials, and the next shipment.
Correspondent banking adds days and hidden FX spread. You receive less than your invoice says, later than you planned.
Development banks and legacy factors want three years of export history and a pre-cleared buyer. New and growing exporters get turned away — or wait weeks for a maybe.
How it works
Three steps. No new bank account, no crypto wallet to manage.
Once your US buyer approves the invoice for payment, it becomes eligible. That confirmation is what makes the advance fast and low-risk — reverse factoring, underwritten on the buyer’s commitment, not just your balance sheet.
We check your CFDI directly against Mexico’s SAT — valid, not cancelled, clean issuer — and advance up to ~97% of its value. Funds arrive in minutes: dollars or pesos, your choice, in your existing bank account.
When your buyer pays on the original due date, the advance is settled automatically. No collections calls, no surprises — you already got paid.
The ledger
Zetlar is more than an advance. Every invoice we finance is verified against Mexico’s SAT, confirmed by your buyer, and written to one shared ledger for the Mexico–US corridor. That’s what lets us fund in minutes — and what makes the same invoice impossible to finance twice.
Every CFDI is checked directly against Mexico’s tax authority: valid or cancelled, cancellation in flight, blacklisted (EFOS) issuers, and the Complemento de Pago that proves your buyer actually paid. Fraud control built into the invoice itself — not paperwork.
Double-financing the same receivable is the oldest fraud in factoring. Because every advance is recorded on one shared ledger, an invoice that’s already funded can’t be pledged again. We close the gap that private bank databases never could.
Development banks want three years of export history and a pre-cleared buyer. We underwrite on your CFDI and your buyer’s confirmation — so younger, thin-file exporters get funded too.
We don’t finance 60 countries. We do Mexico to the United States — the US’s largest trading partner, roughly $840B in goods trade in 2024 — and we go deep: CFDI underwriting, dollar and peso settlement, and the auto-parts and electronics clusters that drive it.
The settlement layer
Zetlar runs on regulated money rails. Here’s exactly what powers it — and what’s live today versus on our roadmap.
Under the hood, advances are built to settle on the XRP Ledger’s Permissioned DEX using regulated stable assets — Ripple’s RLUSD for dollars and Bitso’s MXNB for pesos — with Bitso providing ramps to local bank accounts and a FINMA-licensed bank partner holding the regulated layer. You never touch any of it; you’re always paid in normal money.
The dollar leg uses RLUSD, Ripple’s regulated USD stablecoin — live today.
The peso leg uses Bitso’s MXNB. Live on other networks today; XRPL issuance announced by Ripple and Bitso.
A compliant, permissioned venue — KYC’d participants, every settlement auditable. Our settlement path here is in build.
Regulated custody and the licensed layer sit with a FINMA-supervised partner.
Zetlar is pre-launch. RLUSD is live today; Bitso’s MXNB is live on other networks with XRPL issuance announced by Ripple and Bitso; the XRPL settlement path and our bank-partner integration are in build. Whatever settles underneath, your payout is always standard dollars or pesos.
For partners & capital
Zetlar is building the receivables ledger for the United States’ largest trading corridor: short-duration, buyer-confirmed, CFDI-underwritten receivables from Mexican exporters to creditworthy US buyers — recorded on a shared ledger and settled on Ripple-aligned regulated rails. We’re talking with warehouse lenders, capital partners, and the Ripple ecosystem about funding the paper and scaling the corridor.
FAQ
You receive an advance of up to ~97% of your confirmed invoice; the difference is our fee for fronting the cash and carrying the risk. Pricing depends on your buyer, invoice size, and term — you’ll always see the exact amount before you accept. No hidden FX spread, no wire fees.
Likely yes. We underwrite on your CFDI invoices and your buyer’s confirmation — not years of audited financials. If a development bank turned you away for lack of export history, you’re exactly who Zetlar is built for. Early access is how you get in line.
Every receivable we finance is verified against Mexico’s SAT and written to a shared ledger, so an invoice that’s already funded can’t be pledged again. SAT’s cancellation status and the Complemento de Pago also tell us if an invoice is cancelled or your buyer has paid. Fraud control lives in the invoice, not a slow credit committee.
Advances are short-duration and repaid automatically when your buyer pays on the invoice’s original due date. There’s no separate loan to service and nothing to refinance.
You receive value as standard dollars or pesos in your existing bank account, and you never hold or manage any crypto. Settlement runs over regulated infrastructure with a FINMA-licensed bank partner — whatever moves underneath, your payout is in normal money.
Zetlar is pre-launch. RLUSD is live; Bitso’s MXNB is live on other networks with XRPL issuance announced by Ripple and Bitso; the XRPL settlement path and our bank-partner integration are in build. Request early access and we’ll bring you in as we go live — your payout is always in standard dollars or pesos.