Klaro helps vendors invoice globally in USDC, prove every payment onchain, build financial reputation, and cash out through verified partners.
Illustration · example invoice + receipt — not a live transaction
cl7-d3-m0
Amount due
$4,200.00
To
Asha Pune
Pune, IN
cl7-d3-m0
Standards and infrastructure we build on
How it works
Pick currency, line items, due date. Klaro generates a hosted page at myklaro.app/i/<id>.
From Arc, Base, Ethereum, anywhere. Klaro routes the funds and screens the counterparty.
Both signatures, screening hash, settlement tx. Public, verifiable, shareable.
The platform
Preview global USDC invoicing, public receipts, controlled cashout workflows, and reputation UX. Live integrations activate only after verification.
Issue a hosted invoice and complete a labelled demo checkout. Arc and cross-chain settlement require configured live integrations.
Vendors in India preview a controlled payout and dispute workflow. No partner proof, INR, stake, or USDC moves in simulator mode.
Demo invoice and cashout events illustrate a future Trust Score. No onchain reputation record is claimed in simulator mode.
StableFX, agent identity, and escrow are access-gated previews. Local stable routes remain simulations until integrations and partners are live.
Testnet honesty
Klaro runs real contracts on Arc testnet today. Rows marked live work on testnet now (testnet USDC — no real money moves). Simulated marks the fiat, legal, and partner-gated legs that can only be real on mainnet.
| Feature | Status | Note |
|---|---|---|
| Invoice creation | Live on testnet | On-chain invoice on Arc testnet |
| USDC payment + escrow | Live on testnet | Testnet USDC · InvoiceEscrow locks + releases on Arc |
| Counterparty screening | Live on testnet | OFAC sanctions list + Sumsub KYB — real |
| Klaro Proof receipts | Live on testnet | AuditReceipt anchored on-chain · publicly verifiable |
| Vendor reputation · ERC-8004 | Live on testnet | Signed reputation events on Arc |
| Buyer acceptance · EIP-712 | Live on testnet | Signed acceptance recorded on settle |
| ERP sync · QuickBooks | Live on testnet | QuickBooks live (sandbox) · Xero / Tally pending |
| Cross-chain intake · CCTP V2 | Lab preview | Outbound burn proven on Arc · inbound code-ready |
| StableFX · USDC ↔ EURC | Lab preview | MockEURC swap proven · live needs Circle TEST access |
| Agent escrow · ERC-8183 | Lab preview | Arc-supported lab preview · proven on testnet |
| Partner Cashout · USDC → INR | Simulated | On-chain USDC escrow live · INR payout simulated (no licensed partner) |
| LP staking + assignment | Simulated | Demo assignment · invite-only network not yet open |
| Local stables · BRL, MXN, PHP, ZAR… | Simulated | Adapter-ready · partner-pending |
| Financing readiness | Read-only | Read-only signal · no loans in testnet |
| Real bank payout | Not in testnet | Mainnet · licensed-partner-dependent |
| Real lending capital | Not in testnet | Mainnet · partner + legal gated |
Klaro Proof
In live-contract mode, a Klaro payment can mint a public onchain receipt. The preview below shows the fields intended for independent verification without claiming a completed transaction.
myklaro.app/receipt/0x9f8a3c5b…
Illustrative fields · v1.0 · Arc testnet preview
01
The vendor issued the invoice. The buyer signed an EIP-712 message accepting it. The receipt anchors both — not just the wire.
02
When live-contract mode is enabled, the receipt hash is committed to the AuditReceipt contract on Arc.
03
Customer names, invoice line items, and PII never go onchain. Vendors choose what to reveal on the public receipt.
04
Drop <KlaroReceiptBadge> on portfolio sites. Every receipt is a marketing impression.
Could be fabricated. No way to verify it.
Verifiable after a receipt is anchored in live-contract mode.
What makes us different
Stenn lent against invoices that were never real. Klaro's live design requires buyer acceptance before payment routes and anchors proof fields only after verified settlement. The current testnet demo illustrates this evidence model without claiming live proof.
Partner Cashout · India pilot
Vendors can preview a cashout, proof-review, and dispute workflow. In live mode only, verified outcomes would govern escrow release or refund.
Testnet uses mock proof. No real INR moves until our compliant payout partner is live.
You give
2,400
USDC · demo
You receive
₹2,01,360
INR · simulated
Order timeline
01
In live-contract mode, funds lock on Arc and release only after vendor confirmation or an enforced dispute decision. Simulated proof never releases funds.
02
The contract design supports staked LPs and disputes. Testnet partner onboarding and KYB remain simulation-only until integrations are configured.
03
A testnet cashout can submit a proof for review. Without a live verifier, it remains pending and cannot trigger release.
04
The demo exercises evidence review without moving funds. In live mode, an enforced onchain outcome is required before release or refund.
05
Partner payout availability, fees, settlement times, and verification depend on the licensed payout partner — not Klaro.
Corridors
India is the first cashout simulation corridor. Partner integrations and licensed payout activation are pending; other corridors remain clearly marked simulations.
| Country | Currency | Route | Partner | Status | |
|---|---|---|---|---|---|
| IN | India | INR | Partner Cashout | Partner integration pending | INR PILOT |
| BR | Brazil | BRL | BRLA · simulation | Avenia | SIMULATION |
| MX | Mexico | MXN | MXN · simulation | Juno | SIMULATION |
| PH | Philippines | PHP | PHP · simulation | Coins.ph | SIMULATION |
| KE | Kenya | KES | KES · simulation | Partner-pending | SIMULATION |
| NG | Nigeria | NGN | NGN · simulation | Partner-pending | SIMULATION |
| ZA | South Africa | ZAR | ZAR · simulation | Luno | SIMULATION |
| JP | Japan | JPY | JYPC · simulation | JPYC | SIMULATION |
| KR | South Korea | KRW | KRW · simulation | BDACS | SIMULATION |
| EU | Eurozone | EUR | EURC · StableFX | Circle | ACCESS-GATED |
| US | United States | USD | USDC native | Circle | LIVE |
Klaro is not a bank · partner payout availability and fees depend on the licensed partner
For everyone in the loop
Vendors
Buyers
Developers
Integrations
The integration design writes payment results back to accounting software with double-entry vouchers, idempotency keys, and a tax-pack PDF. Current connections remain sandbox or adapter-ready.
IN · TallyConnect REST
US · Intuit Apps
AU/NZ/UK · OAuth 2
IN/Global · OAuth 2
AU · API v2
JP · OAuth 2
Three ERP surfaces are represented for sandbox integration work. Three more remain adapter-ready pending real marketplace connections.
For developers
REST & TypeScript SDKs. Open-source receipt badge. The full ERC-8183 reference contract. Build invoicing into your product without becoming a fintech.
GitHub
Apache-2.0 contracts
in dev
TypeScript SDK
MIT
ERC-8183 reference
myklaro.app/docs
OpenAPI spec
// npm i @klaro/sdk
import { Klaro } from "@klaro/sdk";
const klaro = new Klaro({ apiKey: process.env.KLARO_KEY });
// Issue an invoice — paid in seconds
const invoice = await klaro.invoices.create({
amount: 4_200_00, // cents
currency: "USD",
receiveAs: "USDC", // or "INR", "BRL", "MXN"…
customer: { email: "client@nyc-saas.demo" },
lineItems: [
{ description: "Backend dev — Week 17 sprint", amount: 4_200_00 },
],
autoSweep: true, // sweep to vendor's local fiat
});
console.log(invoice.hostedUrl);
// → https://myklaro.app/i/cl7-d3-m0
// Verify any Klaro Proof receipt
const ok = await klaro.receipts.verify("0x9f8a3c5b…");
// → { verified: true, screened: true, settledAt: 1737293728 }Trust by design
Klaro was built compliance-first. The same controls a Fortune-500 treasury team would demand — wired into every invoice, end to end.
Trail of Bits + NCC Group engagement scoped for testnet phase. Halmos formal verification planned for settlement paths.
Live release requires verified screening evidence. The demo shows review-only placeholders that cannot settle funds.
Public evidence packs are a launch requirement. Demo receipts are previews and are not anchored on-chain.
Immunefi-hosted bug bounty launches with mainnet. Pre-mainnet, responsible disclosure goes to prateek@myklaro.app.
Testnet status reporting
Current environment status and incidents are reported at myklaro.app/status.
Testnet product preview · illustrative metrics
Demonstration counters only — not live transaction volume. Verified Arc testnet aggregates ship once the telemetry pipeline lands.
Pricing
No monthly fee. No setup fee. No per-seat fee. No undisclosed FX markup. During testnet every feature is free — no real money moves anyway. Mainnet rates lock in at launch.
Free
All features. No caps. Testnet tokens only — no real revenue collected.
1.0%
Flat on settled volume. No monthly fee. Partner-payout fees passed through transparently.
Talk to us
For platforms reselling Klaro under their own brand or LPs running large payout networks.
Klaro is not a bank. Mainnet payout fees, limits, and settlement times depend on the licensed partner in each corridor.
No credit check. No US bank required. No waitlist. Klaro testnet is free for everyone. Sign up with Google or email, plug in your ERP, issue your first invoice in 90 seconds.