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Frontline
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Instant-settle BNPL gateway

Merchants get paid now. Shoppers repay on their timeline.

Frontline is a token-backed liquidity layer for Buy Now, Pay Later: instant merchant settlement, a short interest-free repayment window, and on-chain history that supports portable credit profiles.

DashboardMerchants
Instant merchant payoutPortable on-chain credit historyPilot-ready checkout surfaceHedera HTS · HCS · MirrorInstant merchant payoutPortable on-chain credit historyPilot-ready checkout surfaceHedera HTS · HCS · Mirror

Core flow

From checkout selection to repayment logging—one continuous line from shopper intent to protocol observability.

  1. 01

    BNPL at checkout

    The customer selects Pay Now Later instead of paying the full cart upfront.

  2. 02

    Merchant paid now

    Liquidity from the pool settles the merchant in stablecoin—no waiting on repayments.

  3. 03

    7-day window

    Interest-free for the shopper inside the designed repayment period.

  4. 04

    On-chain history

    Repayment events log immutably, building a portable credit profile over time.

  5. 05

    Risk controls

    Defaults can trigger token-level controls and coordinated off-chain recovery.

Built for three rhythms at once

Merchants optimize cash flow. Shoppers optimize timing. Liquidity providers align capital with volume—all under the same settlement fabric.

Merchants

Instant payout, predictable fee

Offer BNPL without carrying settlement delay. Flat 2% BNPL fee per transaction.

Shoppers

Short-term, interest-free

Breathing room at checkout with a clear due date—behavior that compounds into on-chain credit history.

Liquidity

Fund settlement, earn yield

Back instant merchant settlement from a stablecoin pool aligned with protocol activity and fees.

Hedera-native observability

Tokenized credit lines, immutable repayment logs, and mirror-backed analytics keep compliance and reporting close to the ledger—without collapsing off-chain scoring, notifications, and collections.

  • HTSTokenized credit & compliance hooks
  • HCSRepayment & dispute logs
  • FLTSettlement on Hedera
  • MirrorAnalytics & reporting

Explore the product

The dashboard covers merchants, BNPL checkout, reputation, and LP staking in one place.

Open dashboardLiquidity