RWA & invoice financing

The problem

People and businesses routinely hold income they've already earned but can't yet spend — an invoice due in 60 days, salary accruing until payday, a vesting stream. That future income is a real-world asset (RWA), but it's illiquid: converting it to cash early usually means opaque fees or a loan against it.

Matura's approach

Matura makes that future income liquid today, non-custodially and at a transparent, competitive price:

1. Attestation. An approved issuer signs an EIP-712 attestation that a specific claim (amount, maturity, beneficiary) is real. This is what anchors the on-chain claim to a real-world obligation.
2. Registration. The claim is registered on-chain in the ClaimRegistry with its state and financed-face amount.
3. Financing. Liquidity vaults compete to fund the claim. A deterministic best-execution router picks the cheapest verifiable combination of vault "legs" and funds the beneficiary now.
4. Settlement. At maturity, the real-world payment flows back and the SettlementManager runs a conservation-checked waterfall that repays the vaults and releases any residual to the beneficiary.

Why on-chain

Every step is verifiable: the attestation signer must be allowlisted, the route is re-validated on -chain against pinned reads before funds move, and settlement conserves value by construction. Nothing depends on trusting Matura to hold funds — the API only prepares transactions; your wallet signs them. The trade-offs we explicitly accept are documented in the Trust & Security section.

This MVP runs on BSC Testnet with a mock 6-decimal USDT and a demo issuer simulator — the mechanics are real, the assets are not.