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Partnership Proposal

Zenia Credit Union Partnership

90-Day Michigan Automotive Supply Chain Finance Pilot

90-Day Pilot
Reseda Group Oversight
10–15 Michigan Suppliers
$2M–$5M Invoice Volume

The Opportunity

Michigan's automotive supply chain is underserved by traditional working capital finance. Tier-1 and Tier-2 suppliers routinely wait 60–90 days for payment from OEM buyers — constraining growth, limiting hiring, and forcing reliance on expensive factoring lines.

Zenia provides AI-native supply chain finance at SOFR-anchored rates, with instant RTP disbursement, blockchain-anchored invoice verification, and full Jack Henry LoanVantage integration — so the anchor investor deploys capital efficiently and every transaction appears in SilverLake within minutes of funding.

As the anchor investor, The anchor investor holds first-right on every eligible invoice — building a community-focused portfolio of Michigan automotive receivables at institutional yields.

Pilot Success Metrics

$2M – $5M
Invoice Volume
Michigan automotive suppliers
10 – 15
Supplier Count
Tier-1 + Tier-2 auto
$100K – $500K
Avg Deal Size
Per invoice
4.00 – 5.50%
Target Yield
SOFR-anchored · annualised
> 98%
On-Time Settlement
KPI gate
100%
LoanVantage Sync
Every funded invoice posted

90-Day Execution Timeline

1

Weeks 1–4

Integration & Onboarding

  • Jack Henry VIP application submitted (credit union sponsor)
  • Sandbox access granted — SilverLake + LoanVantage
  • 10–15 Michigan automotive suppliers onboarded to Zenia
  • Buyer credit data pulled via CreditInqRq for each supplier
  • Anchor investor profile configured (RTP ⚡ rail)
2

Weeks 5–8

Live Invoice Flow

  • Suppliers submit invoices via Zenia portal or X12 EDI
  • 3-way match + SOFR credit scoring runs automatically
  • Anchor investor bid fires first on every eligible invoice
  • LnAddRq posts SCFINV loan to LoanVantage on each funding
  • Supplier receives advance via RTP ⚡ within minutes
3

Weeks 9–12

Settlement & Reporting

  • Buyer pays face value at maturity → Zenia settlement waterfall
  • LnModRq syncs FULL_PAYOFF to LoanVantage (loan closed)
  • invoice.settled webhook fires to partner systems
  • Pilot KPI report: volume, yield, utilization, on-time rate
  • IRC submission to Jack Henry based on sandbox test results

Systems Integration Map

Jack Henry SilverLake— Core banking · member + credit data
VIP pending
Jack Henry LoanVantage— Loan origination · SCFINV records
VIP pending
Alchemy Pay / USDC— Stablecoin settlement rail (optional)
Ready
Stripe Connect + RTP— Instant supplier advance disbursement
Live
Polygon Blockchain— Invoice anchoring + escrow
Live
SOFR Pricing (NY Fed)— Market-rate anchored discount formula
Live

Governance — Reseda Group

Structured as a Reseda Group pilot engagement

Reseda Group provides innovation partnership infrastructure, giving the pilot a defined governance structure, risk limits, and evaluation criteria independent of day-to-day operations. This structure allows the partner to test Zenia at scale without operational risk to the core balance sheet.

Pilot Structure
Reseda Group engagement
Risk Limit
$5M invoice volume cap
Evaluation Lead
Partner innovation team
Partnership Contact
Filip Danielewics, VIP

The Ask

Three things unlock this partnership:

1
Jack Henry VIP Sponsorship

A credit union partner sponsors Zenia into the Jack Henry VIP program — accelerates sandbox access from 4 weeks to 1–2 weeks. Without this, production takes 3–4 months.

2
Anchor Investor Capital Commitment

$2M–$5M allocated to the Zenia SCF program for the 90-day pilot. Anchor investor holds first-right bid on every invoice. Full waterfall reporting.

3
Reseda Group Pilot Framing

Formal Reseda Group engagement structure with defined success metrics, risk limits, and 90-day evaluation period with Amy's team.

See the Live DemoBack to Platform

Zenia Marketplace · Confidential pilot proposal · Reseda Group · 2026