On-chain invoice NFTs and factoring protocols are interesting. Most agencies needed a USD quote, a unique address, and a webhook. Do not buy a token standard to solve AR.
If you actually need factoring or programmable escrow, that is a different architecture (and often custody or a contract upgrade story). Settlematic is invoicing + matching, not an invoice-NFT marketplace.
Canonical: tokenized invoice solutions guide. settlematic.com
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