MINT’s infrastructure allows massive computation and machine learning to run uninhibited across receivables.

This moves each claim into a permanent, always-on audit state for eligibility, pricing, routing, and monitoring.

Trying to build human-like rules or domain knowledge into AI feels smart and helps in the short term.

Hand-crafted models inevitably hit a ceiling, becoming rigid and holding back further progress.

Ultimate breakthroughs come from throwing massive compute at AI algorithms so the machine can independently search and learn.

Receivable evidence is fragmented across purchase orders, invoices, shipments, approvals, deductions, remittances, and payments.

This leaves $22T in receivables commercially active, but financially inaccessible.

MINT provides the evidence and control layer for models to operate continuously across receivables.

Each claim remains in a current, auditable state for eligibility, pricing, routing, and monitoring.

Machine-speed liquidity for small businesses.

A continuously underwritten asset class for institutional capital.

More than 36 million U.S. small businesses account for 43.5% of U.S. GDP, yet their commercial claims remain largely outside institutional credit markets.

The obligations already exist. The capital already exists.

The opportunity is the institutional market between them.

Control maintains a current, always-on audit state for every claim.

Compression converts fragmented documents and events into compact evidence states.

MINT decomposes the gross invoice into verified principal, known adjustments, predicted adjustments, reserves, and residual.

As evidence arrives, the financeable amount changes:

Returns expire. Penalties resolve. Acceptance occurs. Remittance arrives.

The asset is a continuously reconstructed net cash claim.

Its evidence, eligibility, adjustments, reserves, pricing, ownership, and payment state remain current from formation through settlement.

Institutions buy claims that fit their mandates. Businesses unlock liquidity without financing the entire company.

MINT groups claims by recurring commercial condition and live claim state, then tests each claim against an institutional Buy Box.

When the same qualified fit recurs at sufficient volume, the cohort becomes repeatable institutional supply.

Recurring conditions × live claim state → Institutional Buy Box → qualified cohort

The institution specifies what it is willing to own across evidence, credit, tenor, exceptions, and economics.

MINT continuously routes matching claims into dedicated purchase capacity as the supply forms.

Partial Fulfillment · Unbilled Performance · Retainage