Conversational Trade Credit

Order stock with a message. Let TrustStock handle credit, recommendations, supplier routing, and monitoring.

TrustStock is a WhatsApp-first ordering experience for merchants, backed by fintech credit intelligence and real-time supplier orchestration.

WhatsApp ordering AI recommendations Fintech scoring Supplier payout automation
What it solves

Merchants should not have to leave chat to get stock, credit feedback, and supplier fulfillment.

Auto-approved orders86%
Average scoring latency2.1s
Recommendation uplift+13%
Supplier payout success97%

Slide 2

Merchant flow: buyer chats with the supplier, TrustStock handles the rest.

Buyer interface
Scenario

God is Love Ventures

Kasoa provision store requesting stock for a high-demand weekend. The merchant only sees a simple chat experience.

System reply
  • Available stock credit: GHS 12,400
  • Repayment term: 14 days
  • Recommended basket sized for demand uplift
  • One-tap confirmation sends the order to supplier ops
AB
Adom Bulk Traders

Supplier on TrustStock

Welcome back, God is Love Ventures. What will you like to order today?
I need stock for the weekend rush. Please check 12 bags of rice, 6 cartons of oil, 14 crates of soft drinks and 4 bags of sugar.
TrustStock is checking repayment behavior, demand signals, weather, and supplier readiness.
Available stock credit: GHS 12,400 Repayment term: 14 days Risk status: Excellent standing Recommended order: - Rice: 14 bags - Cooking Oil: 7 cartons - Soft Drinks: 16 crates - Sugar: 5 bags Estimated basket value: GHS 11,730
Demand intelligence

Recommendation drivers

  • Easter foot traffic is projected to lift store visits by 19%
  • Rain forecast usually increases staple and beverage sales
  • Oil prices are trending upward, so earlier restock improves margin
Outcome

Merchant sees only what matters

Goods creditGHS 12,400
Repayment14 days
Basket valueGHS 11,730

Slide 3

Fintech oversight: the intermediary sees the risk posture, approval logic, and repayment profile.

Monitoring dashboard
Active merchant

God is Love Ventures

Credit score781
Risk bandLow Risk
Repayment reliability94% on-time
Average basketGHS 8,600
Approval limits

Credit output

Goods creditGHS 12,400
Repayment term14 days
Utilization58%
Exposure summary

Portfolio watch

Current exposureGHS 7,180
Projected repaymentApr 22
Portfolio percentileTop 12%
Scoring signals

Inputs used by the fintech model

  • 18-month history with strong weekly order rhythm
  • Fast sell-through on staples and drinks in prior holiday windows
  • Consistent digital repayment within 2 days of due date
  • Low volatility in average order size across the last quarter
Decision rationale

Why approval increased

  • Trust tier and recent clean repayments supported a larger stock-credit ceiling.
  • The approved basket stayed fully within the merchant's stock-credit structure.
Repayment posture

Expected outcome

  • Expected to clear within 11 to 13 days based on last 5 funded orders.
  • Orders perform best when aligned to religious holidays and community events.

Slide 4

Supplier console: approved order, payout state, and dispatch execution in one place.

Fulfillment dashboard
Approved order

TS-24018

  • Merchant: God is Love Ventures
  • Supplier: Adom Bulk Traders
  • Rice: 14 bags
  • Cooking Oil: 7 cartons
  • Soft Drinks: 16 crates
  • Sugar: 5 bags
Funding state

Payout progression

  • Credit decision locked
  • Supplier payout initiated
  • Supplier accepted order
  • Delivery in motion
Fulfillment metrics

Live status

SupplierAdom Bulk Traders
Payout stateInitiated
Dispatch windowSame day
Actions

Dispatch controls

Supplier actions unlock after merchant confirmation and payout trigger.

Warehouse notes

Operational guidance

  • Priority merchant: dispatch within 4 hours keeps this merchant on its fastest repayment cycle.
  • Inventory confidence: all requested items are in stock at the Kasoa hub.
Inventory commitment

Reserved stock

Rice reserve14 bags
Oil reserve7 cartons
Drinks reserve16 crates

Slide 5

TrustStock control tower: internal teams monitor approvals, supplier performance, and exception handling.

Platform monitoring
Today

Live KPIs

Orders routed214
Auto-approved184
Supplier payout success97%
Exception queue

Where humans step in

  • 8 merchants approach due date in the next 48 hours.
  • Two distributors flagged low cooking oil inventory.
  • 3 orders show unusual volume jumps and remain in secondary verification.
Scenario snapshot

God is Love Ventures

  • High-trust merchant with strong holiday-driven demand.
  • This scenario should pass without human review unless supplier inventory changes.
Recommendation inputs

Signals blended into the suggestion engine

  • Holiday uplift projected at +19% in the next 6 days
  • High humidity and moderate heat increase cold-drink demand
  • Oil inflation alert rated high by procurement monitor
  • Weekend church programs near the market increase foot traffic
Projected outcomes

Expected performance

Basket valueGHS 11,730
Confidence88%
Sell-through5.5 days
Automation principles

System boundaries

  • LLM captures intent and explains decisions conversationally.
  • Fintech model owns risk bands, limits, and repayment terms.
  • Humans only step in for fraud, supplier outages, or unusual repayment anomalies.

Slide 6

TrustStock turns a simple chat request into a financed, recommended, and monitored stock order.

Merchant Simple WhatsApp-like ordering experience
Fintech Real-time scoring, approvals, and portfolio visibility
Supplier Immediate order receipt, payout trigger, and dispatch workflow
Return to the interactive prototype