African SMEs deliver work, send invoices, then wait. 60, 90, sometimes 180 days. Meanwhile, they can't pay suppliers or make payroll. The cash exists, it's just trapped. Vokash fixes this in 48 hours. Upload an invoice → AI verifies & scores it in 5 min → it's tokenized as an NFT on Polygon → an investor buys it at a small discount → the SME gets 90–95% of the value via bank transfer within 48h. Built for the $6.7B UEMOA receivables market. No collateral. No paperwork. No waiting.

Framer — Launch websites with enterprise needs at startup speeds.

Launch websites with enterprise needs at startup speeds.

Hey Product Hunt 👋

I'm Amédée, solo founder of Vokash, and this product came from a very personal frustration.

As a freelance IT consultant in Burkina Faso, I once waited 14 months to get paid on a completed government contract. The work was done. The money was "coming." But I couldn't access it.

That's the default experience for millions of African SMEs. Not because clients don't pay, but because 60–90 day payment terms are standard, and working capital financing is either unavailable or predatory (15–25% fees, collateral required).

Vokash solves this with a P2P marketplace where SMEs upload invoices, our AI scores them in minutes, blockchain tokenizes them (making double-financing fraud impossible), and investors fund them, all within 48 hours.

I talked to 100+ SME owners across West Africa to build this. 20+ vendors and 10+ investors are already lined up for the beta.

Would love your feedback, especially from anyone who's built in emerging markets or fintech. AMA 👇