Affordable Credit. Stronger MSMEs. Smarter Supply Chains.
India's First Blockchain-Secured Deep Tier Supply Chain Finance Platform The only solution to successfully complete RBI’s Fifth Regulatory Sandbox Cohort: enabling anchor-backed, blockchain-powered financing for even the deepest tiers of MSME supply chains.
Deep Tier Financing (DTF) is IBDIC’s blockchain-based supply chain finance platform that extends affordable working capital beyond direct suppliers to deeper tiers of a corporate’s supply chain. It enables MSMEs that may not have a direct relationship with a large corporate to access financing by leveraging the credit strength of the anchor corporate.
Traditional supply chain finance programs typically benefit only Tier-1 suppliers. However, a significant portion of India's MSMEs operate further down the supply chain, often facing limited access to affordable credit despite contributing to the production ecosystem. DTF addresses this gap by enabling liquidity to flow seamlessly across multiple supplier tiers.
Tokenised Invoice Flow
Invoices are accepted by anchor corporates, tokenized, transferred seamlessly across supplier tiers, and financed at any stage of the supply chain. Final settlement is completed through escrow-based payments with automated token redemption and closure.
Transforming how working capital flows to MSMEs- across every tier of the supply chain.
What DEEP-TIER FInancing enables for you?
- Improve DPD through extended credit cycles while ensuring suppliers receive timely working capital support
- Improved pricing as suppliers get affordable credit
- Ensure continuous raw material flow by bridging liquidity gaps before they disrupt supply.
- Strengthens anchor corporate – supplier reliability and collaboration.
What DTF enables for you?
- Provides end-to-end visibility across multi-tier financing flows.
- Ensures immutable tracking of invoices, transfers, and settlements.
- Enables real-time monitoring of credit and liquidity flows.
- Strengthens oversight through verifiable blockchain transaction data.
What DTF enables for you?
- Drive Priority Sector Lending (PSL) and business growth through structured, anchor-backed financing.
- Enable lower-risk MSME lending backed by anchor strength.
- Improve portfolio quality with invoice-backed financing.
- Strengthen corporate relationships across supplier networ
What DTF enables for you?
- Access to affordable working capital backed by the Anchor Corporate
- Enable continuous invoice-based liquidity, without the burden of traditional term loans
- Improve business credibility by shifting suppliers from informal credit dependence to finance-backed, trusted and bankable growth
- Accelerate order-to-fulfilment growth by enabling the cash ability required to scale production
The Old Way vs The DTF Way
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Traditional Supply Chain Finance |
Deep Tier Financing (DTF) |
Coverage Across Supply Chain |
Primarily limited to Tier-1 suppliers |
Extends financing to Tier-1, Tier-2, Tier-3 and deeper-tier suppliers |
MSME Inclusion |
Limited participation of small suppliers |
Designed specifically to include deep-tier MSMEs |
Access to Formal Credit |
Mostly available to large or established vendors |
Enables formal financing access for underserved suppliers |
Technology Infrastructure |
Mostly fragmented and manual workflows |
Unified digital platform with blockchain-backed infrastructure |
Risk Management |
Limited visibility into downstream exposure |
Program-level and entity-level configurable risk controls |
Transforming Supply Chain Finance
A blockchain-enabled platform unlocking seamless, secure, and scalable deep-tier financing across India’s MSME ecosystem.
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Frequently Asked Questions
What is Deep Tier Financing (DTF)?
DTF is a blockchain-secured supply chain finance platform that enables financing across all supplier tiers, not just Tier-1 vendors. It helps lenders, anchor corporates, and MSMEs connect on a single platform to improve liquidity flow, working capital access, and supply chain resilience.
How is DTF different from traditional supply chain finance?
Traditional supply chain finance usually supports only Tier-1 suppliers. DTF extends financing to Tier-2, Tier-3, and deeper-tier suppliers through invoice tokenization, allowing even small MSMEs to access formal credit using anchor-backed financing.
Who can use the DTF platform?
DTF is designed for banks, NBFCs, anchor corporates, Tier-1 suppliers, Tier-2 and Tier-3 vendors, and MSMEs across the supply chain ecosystem. It creates a single platform for all participants involved in trade and financing.
How does DTF reduce risk for lenders?
DTF uses anchor-led financing where lending decisions are supported by the creditworthiness of large anchor corporates. Combined with real-time invoice visibility, token tracking, audit trails, and automated controls, this significantly improves portfolio quality and repayment confidence.
Is DTF compliant and regulator-approved?
Yes. DTF is the only deep-tier financing platform to have successfully completed and exited the RBI Regulatory Sandbox (5th Cohort), validating its legal soundness, settlement integrity, and readiness for large-scale deployment.
Which industries can use DTF?
DTF is sector-agnostic and supports industries such as automobiles, manufacturing, retail, metals, logistics, consumer durables, infrastructure, and other supply chain-driven businesses with multi-tier vendor ecosystems.
Does DTF support both banks and NBFCs?
Yes. Both banks and NBFCs can participate as financing partners on the platform, allowing greater liquidity availability and more competitive affordable funding options for suppliers.
Can lenders define their own risk controls?
Yes. Lenders can configure program-level limits, entity-level vendor limits, funding tenors, minimum financing days, and approval workflows to align with their internal credit policies and risk frameworks.
Can anchor corporates upload invoices directly?
Yes. DTF supports invoice uploads by both suppliers and anchor corporates. If an anchor prefers centralized invoice submission for better control and governance, the platform supports that workflow.
Can vendors be added after a financing program has started?
Yes. DTF allows anchors and lenders to add or remove vendors even after a program goes live, ensuring flexibility for evolving supplier ecosystems during the active program period.