InvoiceMate’s DeFa to Launch Tokenized Credit on ZIGChain, Opening Access to Over One Million Users

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Dubai, December 16, 2025 —

  • DeFa by InvoiceMate (a Deloitte Future 100 firm) to launch large-scale tokenization of AI-verified invoice financing
  • Makes institutional-quality opportunities accessible to everyday investors worldwide
  • Unlocks the $5.2 trillion global SME financing gap for retail investors

Dubai, UAE, December 16, 2025 – DeFa by InvoiceMate, the Deloitte Future 100 company, will tokenize its AI-verified SME financing opportunities on , bringing institutional-grade private financing options to over one million users in the Layer 1 blockchain’s ecosystem. This integration marks a major expansion for ZIGChain’s real-world asset infrastructure, demonstrating how established fintech firms can leverage blockchain to democratize access to the $5.2 trillion global SME financing gap.

InvoiceMate, via its DeFa protocol, is bringing its proven “Know Your Invoice” technology to ZIGChain, transforming how retail investors access SME financing opportunities. The company’s proprietary decentralized AI protocol has already processed $500 million in invoices with a delinquency rate below 0.2%—and it validates invoices in minutes instead of weeks. Through the DeFa protocol on ZIGChain, these verified financing opportunities will be tokenized as liquid digital assets, opening previously inaccessible investment options to retail markets. This collaboration, backed by strategic investment from and partnership with , highlights ZIGChain’s ability to attract established business models that deliver real utility and proven value to blockchain technology.

According to MSME finance data, . By operating on ZIGChain, InvoiceMate converts what was once an exclusive institutional market—valued at —into accessible opportunities for everyday investors globally, creating a new and equitable model for SME financing.

The platform is set to launch in early 2026 and will be available to global investors on ZIGChain.

“This integration shows exactly why we built ZIGChain as a purpose-designed Layer 1 for wealth creation,” said Abdul Rafay Gadit, Co-Founder of ZIGChain and Managing Partner at ZIGLabss. “InvoiceMate brings tested AI technology and a track record of managing a diverse loan portfolio to our ecosystem. This is the type of real-world utility that fuels blockchain adoption—verified SME financing opportunities becoming accessible to our users while supporting business owners globally.”

“This is how category-defining ventures are born,” said Aaqib Gadit, Founding Partner and Co-Founder at Disrupt.com. “InvoiceMate has developed a tested, proven proprietary AI protocol that verifies invoices in minutes instead of weeks. Our work with InvoiceMate is poised to capture a significant share of this sector as it grows to $3 trillion in value by 2028. This allows us to support SMEs across the world and unlock trillions of trapped SME potential. ”

“Banks face a structural limit in SME financing because traditional verification can’t scale,” said Ibrahim Salman, Co-Founder of InvoiceMate. “Our AI-native capabilities confirm invoice authenticity in minutes and at a fraction of the cost. A Dubai electronics retailer waiting 90 days for hotel payment can receive 85% of the invoice value within two days through InvoiceMate. Now, with ZIGChain’s distribution and support from Disrupt, we can also give ordinary people the chance to participate in the same financing opportunities as major institutions.”

Notes to editors

About InvoiceMate
InvoiceMate is a leading AI-powered SME invoice financing platform in the GCC, recognized by Deloitte as one of the UAE’s Future 100 companies. DeFa by InvoiceMate, through its “Know Your Invoice” protocol, has processed over $500 million in transactions for more than 2,500 SMEs with industry-leading performance indicators. Learn more: |

About ZIGChain
ZIGChain is a purpose-built Layer 1 for wealth creation. Through an integrated wealth management module, ZIGChain enables investors to co-invest with professional fund managers across real-world assets with institutional-grade compliance. Learn more:

About Disrupt.com
Disrupt.com is an AI-native company factory building ventures with proprietary technology advantages. The platform reimagines startup creation using AI-enhanced venture building systems that accelerate speed, scale, and impact. Disrupt supports founders across the full lifecycle from concept to global scale within a unified company manufacturing system.

CONTACT: Tobith Tom
tobith@lunapr.io