About

Wocap is a real-time, bank-free dynamic discounting platform that enables large buyers to deploy idle liquidity to prepay suppliers at a discount, earning a superior return while suppliers get faster, debt-free payments. Unlike factoring or traditional financing, Wocap acts purely as software infrastructure — no banking intermediation, no flow of funds through the platform. Payments occur directly between Buyers and Suppliers, maintaining full transparency and control. Through its auction-based mechanism, suppliers compete to offer the most attractive discount bids, allowing buyers to achieve market-driven returns while improving working capital efficiency, supply chain resilience, and ESG performance. The platform supports seamless onboarding and provides comprehensive analytics on liquidity deployment, ROI, discount rates, and supplier participation. Wocap has successfully completed its pre-seed round led by Genesis Ventures and is now piloting with leading Greek corporates, paving the way for expansion into retail, FMCG, shipping and manufacturing — sectors where fragmented supplier bases and strong liquidity make early-payment optimization a win-win for all. Wocap — turning payments into performance.

Solution & Product

Wocap provides a real-time dynamic discounting platform that transforms how large organizations manage early payments. Buyers can deploy their own liquidity to prepay suppliers at a discount, improving returns on idle cash while strengthening supplier liquidity and trust. The platform introduces a transparent auction-based model, where suppliers submit voluntary discount offers for early payment of approved invoices. Participation is entirely optional and designed as a growth tool — not a negotiation mechanism. Suppliers can use Wocap opportunistically, according to their own liquidity needs, accessing funds faster and debt-free. Wocap is bank-free and purely technological: all payments occur directly between Buyer and Supplier, outside the platform, ensuring regulatory simplicity and full transparency. Its intuitive dashboards provide real-time visibility on key KPIs such as liquidity deployed, ROI, discount %, and days paid early (DPE). The platform also includes a supplier onboarding module for quick activation without ERP integration — ideal for pilots and scalable rollouts. Built under ISO/IEC 27001-certified security standards, Wocap ensures enterprise-grade data protection, access control, and business continuity. Through automation, transparency, and ESG alignment, Wocap empowers Buyers and Suppliers alike — turning early payments into a strategic growth advantage for the entire supply chain.

Innovation & Scalability

Wocap introduces a new generation of supply chain finance, operating entirely bank-free and transforming early payments from a bank-dependent process into a real-time, data-driven liquidity solution. Its innovation lies in the auction-based dynamic discounting model, where suppliers voluntarily submit discount bids for early payment. This creates a market mechanism that reflects true liquidity dynamics, without fixed rates or financial intermediaries. Unlike factoring or lending platforms, Wocap is not capital intensive, since it uses each Buyer’s own liquidity. This makes the model highly scalable, adaptable to new industries and easily replicable in other markets beyond Greece. Payments occur directly between Buyer and Supplier, maintaining transparency, simplicity, and regulatory clarity. The platform acts purely as software infrastructure, with Wocap facilitating automation, analytics, and performance tracking. Through ERP and API integrations, Wocap can embed dynamic discounting within existing financial workflows, enabling enterprise-scale adoption across multiple entities and currencies. Built on ISO/IEC 27001-certified security standards, Wocap ensures enterprise-grade data protection and operational resilience — ready to scale regionally and internationally.

Traction & achievements

Wocap has made significant progress across product development, client engagement, compliance, and investor milestones since inception. The platform is now fully functional and demo-ready, featuring real-time auction flows, buyer and supplier dashboards, and analytics for liquidity deployment, ROI, and discount performance. Live beta demos are being conducted with leading Greek corporates across multiple sectors — with pilot onboarding now underway. Wocap successfully closed a €450k pre-seed round led by Genesis Ventures, bringing in strategic investors who provide access to clients, funding leverage, and advisory support. On the compliance front, Wocap achieved ISO/IEC 27001 certification, ensuring enterprise-grade security and process integrity from day one. Its EU trademark has been fully registered and published by EUIPO, securing brand protection across all EU markets. Wocap also launched its bilingual website (EN/GR), supported by active communication campaigns on LinkedIn, newsletters, and media coverage (Forbes Greece). With a growing buyer pipeline and first pilots live, Wocap is positioned to validate its business model, strengthen ESG-driven supply chains, and expand in Greece and beyond.

Team & Why Us

Wocap was co-founded by Petros Patronis and Stavros Triantafyllos, combining world-class financial and technological expertise to redefine how working capital is managed. Petros Patronis, Founder & CEO, is a Citibank alumnus with over 16 years of experience across regions in Corporate Banking and Capital Markets. As Team Lead of Shipping Banking in Greece, he structured and executed over $10 billion in debt transactions for institutional clients. His deep understanding of liquidity management, deal structuring, and corporate finance inspired the vision for Wocap — a bank-free, technology-driven solution that transforms early payments into a growth enabler for both buyers and suppliers. Stavros Triantafyllos, co-Founder & CTO, brings 12+ years of experience building and scaling technology in startups across Europe and the U.S. A proven technical leader in early-stage ventures, he has led high-performing engineering teams and implemented AI and LLM-based solutions that turn innovation into measurable value. Supported by a strong advisory and compliance framework aligned with ISO/IEC 27001, GDPR, and EU standards, Wocap merges financial insight, deep tech, and execution discipline — delivering scalable impact in liquidity optimization and ESG-aligned supply chains.

Funding Needs

Wocap has no immediate funding needs. The company successfully closed its pre-seed round in April 2025, raising €450k led by Genesis Ventures along with strategic investors who bring client access, advisory support, and funding leverage. Following this round, Wocap is well-funded for the next 12 months +, allowing the team to focus fully on pilot deployments, product enhancement, and market traction before initiating the next investment cycle. A potential seed round may be considered after the pilot phase to accelerate commercial rollout and international expansion, but at present Wocap’s capital position is strong and stable.