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Insurance verified Verified Outcome TRL 9

Embedded B2B Trade Credit

domain Client: B2B Marketplaces handshake Provider: Hokodo schedule Deploy: 2021-Present
93 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Integration of real-time trade credit insurance into B2B checkout flows, allowing marketplaces to offer 'Buy Now, Pay Later' terms to business buyers without taking balance sheet risk.

rate_review Analyst Verdict

"Democratizes trade credit. Historically, only large corporates could afford trade credit insurance to protect against non-payment. This API-first model brings that protection to SME transactions instantly at the point of sale."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

B2B transactions often require payment terms (e.g., Net 30/60). Online marketplaces struggled to offer this because vetting the creditworthiness of thousands of small buyers was manual and risky. If a buyer defaulted, the marketplace or seller took the loss. This forced most B2B e-commerce to remain on credit card (cash upfront) terms, stunting growth.

psychology The Solution

Developed an API that performs real-time credit scoring of business buyers at checkout. If approved, the buyer gets Net 60 terms. Crucially, this loan is backed by a built-in trade credit insurance policy. If the buyer defaults, the insurance pays the marketplace. This allows the marketplace to offer credit risk-free.

settings_suggest Technical & Deployment Specs

Integrations
E-commerce Checkout API
Deployment Model
Embedded API
Data Classification
Financial / Credit Data
Estimated TCO / ROI
Transaction Fee
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Credit Model Failure Medium Lloyd's capacity backing.
Fraud Medium Identity verification checks.

trending_up Impact Trajectory

Audited value realization curve

Instant credit decisions (< 1 second) Verified Outcome
Primary KPI40% increase in average order value
Audit Cycle100% protection against non-payment

policy Compliance & Gov

  • Standards: FCA / ACPR
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial / Credit Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for B2B Marketplaces without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-575
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-575

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