Infrastructure of Programmable Trust

The Pan-American
SMB Payment Intelligence
Network.

We build the 4-layer operating system for modern business finance — syncing data, payments, capital, and intelligence across the Americas.

Explore the methodologies
The Pan-American Network

Execution Layer (IoP / FcP)

USA · Canada
RemindLedger™
Invoice-On-Payment™ for North America

Our flagship entry into the US/CAN market. Pioneer of the IoP methodology, closing the gap between bank data and fiscal accounting.

Visit RemindLedger™ →
Venezuela · LATAM
CentroPago™
Programmable Collection Infrastructure

The engine that validated our stack. Processing multi-stream payments (FcP) for LATAM merchants since 2023 with 100% administrative integrity.

Visit CentroPago™ →

Intelligence Layer (SmartScore)

USA · Canada
Trust-On-Payment™
Closed-Network SmartScore (ToP)

The Trust Layer. Every settlement in the Miurata network contributes to a shared reputation signal for merchants and suppliers.

Visit Trust-On-Payment™ →
Venezuela · LATAM
Acreditto™
In-network Credit Intelligence

Behavioral credit scoring for the Pan-American merchant economy. We transform payment history into programmable liquidity signals.

Visit Acreditto™ →

Legal Marketplace

Continental Marketplace
ContractTrigger™
Open IP Marketplace for Lawyers

A marketplace where licensed lawyers expose their contracts as intelligent assets. Open for everyone—merchants or third parties needing robust legal IP for CoT, CoD, or general use.

Visit ContractTrigger™ →
SIGNATURE METHODOLOGY Invoice-On-Payment™ (IoP) · We decouple the billing from the request. The fiscal invoice is only issued after the bank confirms the payment — eliminating manual reconciliation, credit notes, and tax friction by design.
ADD-ON Contract-On-Trigger™ (CoT) · The contract that bills itself. Each milestone you mark complete auto-issues a billing notice; Invoice-On-Payment™ closes it the moment the customer pays. The workflow becomes your cash flow.
ADD-ON Delivery-On-Payment™ (DoP) · A specialized application of Contract-On-Trigger™. Programmable layaway: customers pay at their own pace via bank-verified installments; the final settlement automatically triggers the delivery workflow. Merchant retains funds; Miurata provides the trust and execution layer.
ADD-ON Trust-On-Payment™ (ToP) · Closed-network payment reputation. Every IoP settlement contributes to a SmartScore visible only inside the Miurata network. Behavior-driven trust for B2B.
ADD-ON · BETA Q4 2026 Capital-On-Demand™ (CoD) · AI-powered liquidity. We correlate bank signals and IoP history to surface pre-decisioned capital from licensed lender partners exactly when the merchant needs it.
Phase 4 (2028-2029) Pay-On-Trigger™ (PoT) · Risk-anchored supplier finance. When a creditworthy buyer records an invoice as approved, we surface financing offers from licensed partners against the verified signal.
Phase 5+ (2029) Money-On-Payment™ (MoP) · Network-wide cash layer architecture. Disrupting the remittance cartel through bilateral net settlement within the Miurata merchant network.
Our Foundation

Battle-Hardened Insight. Built for Global Trust.

Miurata is an infrastructure of programmable trust designed to bridge the gap between legacy business data and modern financial liquidity. We identify and solve the scattered financial niches that generic fintechs and billing platforms overlook. We don't just build software; we solve the "Reconciliation Debt" by ensuring financial artifacts—invoices, contracts, and capital—are atomically linked to verified cash events.

Our vision is informed by an intellectual engine with a 35-year track record of execution in high-volatility environments. Our core team pioneered ERP systems that today support business logic in 16 countries through a massive ecosystem of 1,000+ international distribution channels. This institutional legacy was documented by IDC (LA1164G) as the #3 ERP in the region, outperforming global giants like PeopleSoft and Oracle. We have managed large-scale joint ventures, including a strategic SaaS alliance with Telcel-BellSouth, proving our ability to scale administrative infrastructure across borders.

Miurata applies this veteran market intelligence to North America. While others provide generic billing, we identify specific friction points—from invoice decoupling to programmable layaway—and solve them through our signature methodologies. We bring the discipline of having survived hyperinflation and economic collapses to an agile platform designed for businesses that need their cash flow to move as fast as their instructions.

We are not a bank. We are the software layer that introduces businesses to licensed financial partners through high-fidelity data signals. We don't just help you collect; we help you eliminate the information asymmetry that prevents growth.

Meet the team

Miurata Solutions LLC is a software platform that facilitates introductions between merchants/suppliers and licensed financial partners. All financial agreements are executed directly between those parties, and Miurata is not a party to any such agreement. Miurata does not operate as a bank, money transmitter, debt collector, lender, broker, factor, or credit reporting agency, does not hold customer funds, and bears no lending or credit risk. Regulated financial activities — including capital, credit decisions, underwriting, fund disbursement, and collection — are performed exclusively by licensed partners; Miurata may receive referral compensation from those partners. All RemindLedger™, CentroPago™, Acreditto™, Trust-On-Payment™, ContractTrigger™, Delivery-On-Payment™, Capital-On-Demand™ and Pay-On-Trigger™ products are software for business automation, partner connectivity, and merchant-to-lender referral, not financial services.

RemindLedger™ (USPTO Serial 99777955), CentroPago™, Acreditto™, Trust-On-Payment™, ContractTrigger™, Delivery-On-Payment™, Invoice-On-Payment™, Contract-On-Trigger™, Capital-On-Demand™, Pay-On-Trigger™ and Money-On-Payment™ are trademarks of Miurata Solutions LLC. All rights reserved.

> >