Most BNPL models in B2B fail because they rely on outdated assumptions: that buyers are always known, transactions are transparent, and enforcement is straightforward. In many African markets, that simply isn't true. Informal trade dominates, documentation is weak, and recourse mechanisms are limited.

What is reliable, though, is the product. If you can track where your goods go, verify they've been received, and confirm their onward movement or sale, you can begin to collateralize the transaction itself. This is where smart infrastructure matters.

With systems like Flux's Product Receipts and Verified Product Pickup, manufacturers gain a verified audit trail of their product movement. These digital proofs serve as a foundation for de-risking credit. If a buyer defaults, the goods themselves—or their receivables—can be claimed, reassigned, or used as evidence for recovery.