Cycles

Cycles offers a transformative approach to debt management by enabling individuals and businesses to clear debts privately and securely using any currency or credit. Built by Informal Systems on the Cosmos stack, Cycles leverages the Open Clearing Protocol to provide a decentralized solution that challenges traditional banking systems. The platform targets individuals and businesses seeking efficient debt management solutions, operating in the financial services market. Cycles generates revenue through its API services, which seamlessly integrate with existing systems to update general ledgers and manage payments, cancellations, and more. By mapping invoices and bills into an obligation graph, Cycles identifies opportunities for set-offs, reducing accounts receivable and payable, and improving working capital. This approach maximizes cash flow and offers e-invoicing platforms a unique value proposition in a competitive landscape. Keywords: debt clearing, Cosmos stack, Open Clearing Protocol, obligation graph, set-offs, cash flow, e-invoicing, financial services, API integration, decentralized.