For small and medium sized entities (SMEs), there is nothing as difficult and nerve-racking as waiting for clients to pay their invoices. While businesses in mature markets have access to various financing options, such as bank credit lines or invoice factoring, businesses in emerging markets only have few alternatives to bridging short-term credit gaps: defer payments to employees or taking out loans at excessive rates. Acudeen addresses this problem with a decentralised ecosystem that provides access to liquidity for SMEs (incl. micro-businesses) in emerging markets.