Fund confirmed merchant receivables in hours, not days.
Harbr purchases eligible receivables or settlement proceeds from the receivable owner using its own funds, so merchants can receive purchase proceeds earlier. Regulated payment, conversion and digital-asset rails remain with licensed partners.
Help merchants receive receivables purchase proceeds today — without using your own working capital.
Fast integration
Just a simple KYB check and one API integration to go live.
Safe and compliant
Harbr buys receivables with its own funds; regulated rails stay with licensed partners.
The Settlement Gap
There's a multi-day gap between a confirmed receivable and cash in hand.
A receivable is confirmed the moment a payment clears — but the cash only lands days later, leaving merchants waiting and capital tied up.
Merchants wait days to settle
Slow correspondent rails leave your merchants waiting on their money — and looking elsewhere.
Capital trapped in the pipeline
Funds sit locked across markets and currencies while receivables slowly clear.
No easy fix in-house
Settling faster yourself means pre-funding merchants or taking on new licences — more capital and overhead.
Harbr closes the gap — your merchants get settled faster, without adding capital or licences to your stack.
How Harbr Fits
From your receivables to settled merchants.
1
We buy the receivable
Harbr purchases your merchant's confirmed receivable, funded from our own balance sheet.
2
Merchant funded T+0
Merchant receives the agreed purchase price today, in the agreed currency or asset.
3
We collect at T+N
When the underlying settlement comes through, the funds flow to Harbr.
4
Auto-reconciled
Every receivable, settlement and exception matched in one view.
What We Support
Three settlement flows, one model.
Harbr accelerates settlement across multiple flows — so you can put capital to work quickly across currencies and global markets.
Payment and any currency conversion are handled by licensed partners. Harbr buys the receivable in the payee's currency.
Scenario 1
Fiat-paid receivable, U purchase price
Payer paysFiat
Payee receivesUStablecoin
Scenario 2
U-paid receivable, fiat purchase price
Payer paysUStablecoin
Payee receivesFiat
Scenario 3
Local-fiat-paid receivable, USD purchase price
Payer paysLocal fiat
Payee receives$USD
For PSPs
Fund merchant receivables T+0, free up working capital, and close reconciliation gaps — all without adding new licences.
T+0 receivables funding
No capital outlay from you
Licensed partners built in
For Global Businesses
Access receivables funding, settlement-status visibility and reconciliation through your PSP partners from a unified platform.
Multi-partner settlement
Real-time tracking
Centralized reconciliation
Licensed Partner Network
Regulated rails, handled by licensed partners.
Harbr purchases receivables with its own funds. Every regulated activity — payments, collections, currency conversion, cross-border transfers and digital-asset transmission — is performed by independent, licensed partners.
Licensed PSPs
Merchant collections and local payment processing.
Digital-asset partners
On-chain receipt, screening and Travel Rule compliance.
Banking & virtual accounts
Settlement accounts and cross-border bank rails.
Qualified custody
Multi-sig custody for Harbr's own treasury wallets.
Partners operate under their own licences and are solely responsible for the regulated services they provide.
Compliant by Design
A model built on a clear legal foundation.
Harbr is a buyer of receivables — not a payment, remittance, currency-exchange or digital-asset service provider. The structure is designed to keep those regulated activities with licensed partners.
Receivables purchase, not payments
Harbr buys a genuine, assignable receivable from the seller; it never collects or remits on a client's behalf.
Own funds only
Purchase price is paid from Harbr's own treasury. No client money is pooled or held.
Same-currency funding
U-for-U and USD-for-USD across all flows, by design — no currency conversion on Harbr's side.
True sale, not lending
Harbr's return is a purchase discount; recourse is limited to defined events such as refund, fraud or non-settlement.
Licensed partners handle regulated rails
Payments, conversion, transfers and digital-asset transmission sit entirely with licensed providers.
AML, KYB & sanctions screening
Counterparty due diligence, UBO checks, sanctions/PEP screening and on-chain analytics on every transaction.
Settle your merchants faster.
See how Harbr funds your receivables upfront — safe and compliant.