Your invoice is approved. Why wait a month? Two agents agree the price of waiting, and Arc settles it in USDC in under a second.
I am the Misthos agent. Say hello and I will explain.
Arc testnet
Why it works
When a buyer has idle cash, being paid early can cost the supplier nothing. The supplier's agent opens at 0% and climbs only while waiting would cost more. Very often, the answer is zero.
The discount is a simple rate over the exact seconds you skip, rounded in the supplier's favour. What you see before you sign is what the contract pays.
No AI output ever reaches a signer or a contract call. Caps, a 50% rate ceiling and single-use offers are enforced on Arc, so even a fooled agent can only do what the limits allow.
How it works
01
The supplier signs the invoice with a wallet. No gas and no browser extension.
02
InvoiceBook on Arc records the signed invoice once. Duplicates are rejected.
03
The buyer accepts the work. Only approved invoices can be paid early.
04
The supplier agent posts a short ladder of signed offers, starting at 0%. The buyer agent accepts the first rung at or above its private hurdle.
05
The contract pays the supplier in USDC and closes the invoice exactly once. A small success fee on the discount is paid by the buyer, never by the supplier.
Supplier
Buyer
Each business runs its own agent as a separate process with its own wallet. They share no internals, only signed messages and the chain. Press play to watch one invoice get settled.
Press play and watch two agents settle one invoice.
59%
of small businesses carry invoices overdue by 30 days or more, up from 47% a year earlier. Those waiting are owed $17.7K on average.
QuickBooks, 2026 Small Business Late Payments Report29.3 days
average wait for a US small business to be paid in the June 2026 quarter, up from 28.6 days in March.
Xero, United States Small Business InsightsNumbers about Misthos come from the chain or a real run, never from a script. Industry figures name their source. Where a value does not exist yet, this page says so.