Time Value of Money

TVM$ is a utility BEP20 token native to the Global Invoice Exchange (GIX). TVM$ allows validated invoices to be purchased on the GIX platform globally and transparently.

Invoices are converted to Non-Fungible Tokens (NFTs) in whole or in parts, to be visible on GIX for liquidity providers (LP)to participate in bidding for the NFTs (invoices). These invoices are immediately paid when a successful bid is made; this significantly improves cashflow for the supplier that does not have to wait for the payment term to lapse (e.g 90 days).

TVM$ is pegged to native currencies of the invoice to ensure exchange risks are mitigated - e.g a USD invoice is paid for using TVMUSD. All transactions are managed by smart contracts on the blockchain for security.

TVM$ holders have the following options to make returns:

• invest in a real-world asset class on GIX for returns that outweigh most traditional financial products
• Staking
• Value growth of TVM$ as GIX matures on the CEX / DEX