The Intelligent Infrastructure for Next-Generation Receivables Management.
NeuraPay transforms the analog collections process into an autonomous, AI-driven operating system. We are closing Europe's €500 billion liquidity gap.
Read Executive SummaryExecutive Summary
The Problem: The European market suffers from a massive liquidity drag. Annually, €500bn remains trapped in inefficient dunning processes. The traditional model—labor-intensive call centers—is structurally uncompetitive.
The Solution: NeuraPay is the first "End-to-End Collections Operating System." We replace manual labor with autonomous AI agents and digital interfaces to courts.
The Market Challenge
Liquidity Trap
In the DACH region, average Days Sales Outstanding (DSO) has risen to over 60 days. "Invoice purchase" dominates, yet payment morale is declining.
Structural Inefficiency
Classic collection agencies rely on labor arbitrage. Rising wage costs and talent shortages render this model unprofitable.
Regulatory Pressure
Stricter consumer protection directives and ESG requirements penalize aggressive collection methods. Compliance becomes a cost factor.
Failure of the Call Center Model
Telephone reachability for debtors under 40 is now below 5%. Traditional agencies attempt to compensate via frequency ("Power Dialing"), resulting in massive brand damage for clients.
The Autonomous Operating System
NeuraPay is not assistance software, but autonomous infrastructure. We call this "Zero-Touch Processing": Human intervention occurs only in absolute exception cases.
1. Ingest (Integration)
Seamless API connection to ERP systems (SAP, Microsoft Dynamics, DATEV). Real-time data transfer without media breaks.
2. Enrich (Enrichment)
AI-supported credit checks and data validation. We understand the debtor's financial situation before we interact.
3. Engage (Interaction)
Adaptive Communication Engine. AI agents use WhatsApp, Email, or Voice to negotiate individual installment plans – empathetically and effectively.
4. Execute (Enforcement)
Automated initiation of judicial dunning procedures via interface to dunning courts (EGVP/beA Integration).
The "DACH Factor": Tech & Compliance
🛡️ Data Privacy (GDPR)
"Privacy by Design". All data remains on European servers. Our AI models work on anonymized vectors. We guarantee full auditability for institutional clients.
⚖️ Legal Certainty
No experiments in legal matters. Our automated workflows are based on legally vetted templates from leading insolvency lawyers. We combine tech speed with legal thoroughness.
Business Case & Unit Economics
Superior Economics
NeuraPay replaces the labor-intensive commission model with a scalable software cost structure.
- Fixed Cost Degression: Marginal costs per case tend toward zero.
- 3x Recovery Rate: Higher returns due to better reachability.
- Hybrid Model: Software license fee + Success fee.
Financial Forecast (5 Years)
Strategic Vision
From Process to Asset Class
We are not just building software. We are building the data foundation for future financing. By leveraging our information advantage on payment behavior ("Will-Pay" vs "Can't-Pay"), we enable real-time factoring and the securitization of receivables portfolios.
DUE DILIGENCE & FINANCIALS
Accredited Investors Only • NDA Required