Estimated credit limit

$2,400

weekly inflow · 16 weeks

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.24;

/// @notice Per-merchant receiving address. Splits every inbound
///         transfer between the credit line and the merchant,
///         inside the payer's own transaction.
contract RillRouter {
    address public immutable registry;
    address public merchant;
    address public creditLine;

    event Routed(
        address token,
        uint256 amount,
        uint256 toLoan,
        uint256 toMerchant
    );

    function route(address token, uint256 amount) external {
        uint256 bps = creditLine == address(0)
            ? 0
            : ICreditLine(creditLine).shareBps();

        // No loan outstanding -> 100% passes through untouched.
        uint256 toLoan = (amount * bps) / 10_000;
        uint256 toMerchant = amount - toLoan;

        if (toLoan > 0) {
            IERC20(token).transfer(creditLine, toLoan);
            ICreditLine(creditLine).repay(token, toLoan);
        }
        IERC20(token).transfer(merchant, toMerchant);

        emit Routed(token, amount, toLoan, toMerchant);
    }

    /// @dev shareBps is bounded by the CreditLine: never below the
    ///      schedule floor, never above SPLIT_CEILING (5_000 = 50%).
    function shareBps() external view returns (uint256) {
        return creditLine == address(0)
            ? 0
            : ICreditLine(creditLine).shareBps();
    }
}

payment in—

to loan · 10%—

to merchant—

settled in—

gas paid—

tx hashno contract deployed

k · 0.25 → 0.60

Advance rate. 0.25 at origination, rising with clean history.

Stability · 0 → 1

Coefficient of variation across weeks. 1 is perfectly even.

Diversity · 0 → 1

Herfindahl index over payers. Near 0 is a single payer.

Tenure · 0 → 1

Ramps over 90 days of observed flow. Caps new accounts.

Junior · $2,000,000

$2,000,000 intact · 100%

Senior · $8,000,000

$8,000,000 intact · 100%

Within 30 days

BNB Chain Builder Grant

The money isn't the point. The grant puts Rill in the ecosystem CRM with an assigned human contact — and every later rung runs through that person.

How to write it Milestone-shaped, not a business plan: Router → indexer → dashboard → 50 advances.

Free lever Denominate advances in USD1. Growing USD1 is a live ecosystem priority, so it gives the contact a reason to champion Rill internally. Costs nothing.

Months 3–6

MVB

MVB selects for traction, so apply with a signed partner LOI rather than a deck. The warm introductions are what this rung is for — not the cheque.

Months 6–12

Inside Binance Pay, sideways

The move most people miss: Binance Pay explicitly works through PSP partners. Partner with a PSP that is already a Binance Pay partner, and Rill operates inside the Binance Pay ecosystem without Binance ever having to say yes.

Month 18+

Binance Pay, direct

A real BD team exists and runs a real process. They will not touch a pre-revenue counterparty; with 500 repaid advances behind us, they will.

Pitch their metric, not ours Working capital → more inventory → more sales → more GMV per merchant, and stickier merchants. Zero credit risk to them.

Never Never pitch “we want your data.”