COMMERCIA is a receipt lens on the one PlenaProof engine. A dated due-diligence or transaction record of what review or agreement occurred before money moved. Not KYC; does not verify identity or guarantee legitimacy; not financial advice.The platforms are not separate products. They are specialized receipt templates powered by the same PlenaProof engine. Start with Agreement Receipt — $3 →
Translating page…
BETA · PLENA GLOBAL LLC
🆕 Basic Mode Active — All forms pre-filled with realistic scenarios for institutional evaluation.
OFFICIAL-SOURCE CHECK ⚠ Verify central bank / securities regulator status before acting EXCHANGE USE ⚠ Confirm licensing, withdrawal history, fees, and complaint record TOKEN REVIEW ⚠ Check contract source, ownership, liquidity lock, audit, and holder concentration PAYMENT ROUTES ⚠ Compare fees, FX spread, limits, reversibility, and documentation duties BUSINESS USE ⚠ Verify tax, AML, exchange-control, and recordkeeping duties locally OFFICIAL-SOURCE CHECK ⚠ Verify central bank / securities regulator status before acting EXCHANGE USE ⚠ Confirm licensing, withdrawal history, fees, and complaint record TOKEN REVIEW ⚠ Check contract source, ownership, liquidity lock, audit, and holder concentration
Lang 🌐 English ▾
Global South core
South / SE Asia
Africa
Other
CRYPTA MODULE · COMMERCIA

Two modules.
One mission: trust.

CRYPTA for financial and crypto trust intelligence. COMMERCIA CORE for commercial infrastructure — invoices, contracts, pricing, market entry, and professional correspondence. Built for independent professionals across Africa, Asia, and Latin America that the global system was not built for.

Local
First-pass screening
13
Starter jurisdiction examples
3
Regions: Africa · Asia · LatAm
$0
Advertiser influence
🔒
Zero-Data Architecture
Static build runs in your browser; saved items stay in local browser storage
👥
No Account Required
No account is required for local tools; early-access forms ask only for submitted contact details
🔁
Local Runtime
Current tools produce local first-pass reports; AI/provider routing is roadmap/backend work
🚫
User-Controlled Local History
Only items you choose to save remain in this browser until cleared

The independent consultant in Lagos who cannot verify whether an exchange is legitimate before depositing. The micro-entrepreneur in Manila who signs a contract without understanding it. The researcher in Bogotá who does not know what to charge. The professional in Dhaka who cannot figure out how to register a business in a new country. These are not exceptional cases — they are the structural realities of the majority of the world’s independent professionals across Africa, Asia, and Latin America. COMMERCIA exists to give them the infrastructure that wealthier markets take for granted.

CRYPTA Module

Five tools. One question:
can you trust this?

🏢
Crypta · Tool 1
Exchange & Token Verification
Is this exchange licensed by a real regulator? Is this token audited, or is it three lines of code and a Telegram group?
Exchange · Token · Wallet
📜
Crypta · Tool 2
Smart Contract Plain-Language Reader
The local reader translates supplied contract/code clues into plain-language risk questions and next checks before you sign anything.
DeFi · NFT · Protocol
🚨
Crypta · Tool 3
Rug Pull & Fraud Detector
Plagiarised whitepaper? Fake liquidity lock? AI-generated team photos? Run a local red-flag score before a cent leaves your wallet.
Risk Score · Red Flags
⚖️
Crypta · Tool 4
Crypto Legality by Country
Rules change constantly. COMMERCIA helps you identify the official legal-status questions to verify for your country before you act.
Official-source checklist
📡
Crypta · Tool 5
Regulatory Threat Monitor
Central banks move fast. COMMERCIA helps structure the exposure questions to monitor; same-day regulatory feeds are roadmap items.
Monitoring checklist · By jurisdiction
COMMERCIA CORE
Commercial infrastructure for independent professionals worldwide
📄
Core · Tool 1
Invoice Generator
Create professional invoices in minutes. Multi-currency, multi-language, with browser-local line-item and total calculations.
Any currency · 9 languages
📋
Core · Tool 2
Contract Templates
Freelance agreements, service contracts, NDAs, and simple partnerships — drafted as first-pass templates from your supplied situation, with professional review still required.
Freelance · Service · NDA
📈
Core · Tool 3
Pricing Intelligence
What should you charge? Use structured pricing prompts, positioning logic, and negotiation notes; verify rates against current sector-specific sources.
Structured pricing checklist
🌎
Core · Tool 4
Market Entry Guide
Plan the questions for offering services in a new country or market: permits, tax issues, local competitors, platform access, and practical first steps.
Step-by-step checklist
🏢
Core · Tool 5
Business Registration Guide
Business-registration planning checklist — documents to verify, likely costs/timelines to confirm, entity-type questions, and official starting points.
Local checklist · Verify officially
✉️
Core · Tool 6
Commercial Correspondence
Proposals, project follow-ups, rate negotiation letters, payment chasers, scope dispute responses — professional commercial writing using the available native-dictionary language layer.
9 languages · Any context
INTELLIGENCE LAYER
Three tools no other platform offers emerging-market professionals
🏆
Intelligence · Tool 1
Commercial Credibility Dossier
A self-organized, locally timestamped commercial dossier — engagements, contracts, client sectors, and payment-history notes. Production verification and institutional endorsement are roadmap items.
CREDENCIA · Unique to COMMERCIA
💸
Intelligence · Tool 2
Payment Route Optimizer
Getting paid internationally can be expensive for professionals in emerging markets. Enter your corridor and amount to build a comparison checklist for cost, speed, documentation, and reliability.
TRANSITA · Corridor checklist
⚖️
Intelligence · Tool 3
Contract Negotiation Coach
Paste a contract you received. COMMERCIA flags common clause patterns that may disadvantage you and suggests negotiation questions to review before accepting.
NEGOTIA · Your leverage, mapped
Example intelligence patterns

What the market may not tell you.

These are illustrative risk patterns for local screening, not live alerts or verified current news. Confirm any real case with official regulators, platform notices, block explorers, and qualified professionals.

🚩 Clone exchange or fake platform pattern
SCAM PATTERN
Look for domain misspellings, copycat interfaces, private-chat onboarding, deposit-only wallets, and withdrawal fees demanded before funds are released. Do not deposit until the official platform identity and withdrawal record are verified.
🚩 Social-media investment guarantee pattern
SCAM PATTERN
Promises of guaranteed monthly returns, recruiter commissions, private group pressure, or fake regulator logos should trigger verification before any payment. No legitimate provider should require secrecy or pressure deposits through informal channels.
🚩 “Doubler” or advance-fee crypto pattern
SCAM PATTERN
Any promise to double funds quickly is a classic advance-fee structure. Verify the counterparty, avoid sending test funds to strangers, and document all messages before escalating to a bank, platform, or authority.
⚠️ Licensing-status check before exchange use
STATUS CHECK
Before using an exchange for significant funds, verify whether the platform is licensed or publicly warned against by the relevant financial regulator in your country.
⚠️ Tax and reporting duties can affect cash flow
STATUS CHECK
Crypto transfers, platform payouts, and cross-border payments can trigger tax withholding, income reporting, or exchange-control duties. Check current official guidance before pricing a project or accepting payment.
⚠️ Exchange and tax reporting requirements vary
STATUS CHECK
Local treatment can differ for holding, trading, payments, business use, and promotion. Keep invoices, transaction records, counterparty details, and exchange receipts.
✓ Licensed on-ramp checklist
GOOD PRACTICE
When an on-ramp claims licensing, compare its name, licence number, domain, and app listing against the regulator's official list. Do not rely only on a logo inside the app.
CRYPTA · Tool 1

Exchange & Token Verification

Before you deposit. Before you buy. Know what you are actually dealing with.

COMMERCIA VERIFICATION REPORT
CRYPTA · Tool 2

Smart Contract Plain-Language Reader

Most retail users sign contracts they cannot read. COMMERCIA translates every function and flags every drain before you interact.

Dangerous functions COMMERCIA flags
🔴
mint() without capUnlimited token creation
🔴
selfdestruct()Owner deletes contract, takes all funds
🔴
pause() / unpause()Withdrawals frozen instantly
🔴
setOwner() transferSilent ownership change
🟡
blacklist / whitelistYour wallet can be blocked
🟡
setFee() / updateTax()Fees raised without limit
CONTRACT ANALYSIS REPORT
CRYPTA · Tool 3

Rug Pull & Fraud Detection

Score a project against every known fraud pattern before a single cent leaves your wallet.

FRAUD RISK ASSESSMENT
CRYPTA · Tool 4

Crypto Legality by Country

Laws change frequently. COMMERCIA organizes the official-source questions you should verify before you act.

🇳🇬 Nigeria
🇰🇪 Kenya
🇿🇦 South Africa
🇬🇭 Ghana
🇪🇹 Ethiopia
🇹🇿 Tanzania
🇨🇩 DRC
🇨🇲 Cameroon
🇸🇳 Senegal
🇷🇼 Rwanda
🇪🇬 Egypt
🇲🇦 Morocco
Activities to check
💱 Trading
⛏️ Mining
🏦 DeFi / yield
🖼️ NFTs
💵 Stablecoins
📲 P2P trading
CRYPTO LEGAL STATUS REPORT
COMMERCIA provides legal information, not legal advice. Consult a qualified lawyer before making decisions that carry legal risk.
CRYPTA · Tool 5

Regulatory Threat Monitor

Central banks move fast. Retail investors find out last. Know your exposure now.

REGULATORY EXPOSURE ASSESSMENT
CORE · Tool 1

Invoice Generator

Describe what you delivered. COMMERCIA structures it into a professional invoice — with correct formatting, payment terms, and language for your client's country.

Line items
Description
Qty
Unit price
Total
INVOICE TOTAL
0.00
INVOICE · COMMERCIA CORE
CORE · Tool 2

Contract Templates

A contract generated for your specific situation, jurisdiction, and counterparty — in plain language, with every essential clause and nothing you do not need.

Contract type
💻
Freelance Service
👔
Consulting Agreement
🔒
NDA / Confidentiality
🤝
Simple Partnership
👔
Employment Letter
🚚
Vendor / Supplier
CONTRACT · COMMERCIA CORE
COMMERCIA generates contract templates for informational purposes. For high-value or legally complex agreements, have a qualified lawyer in your jurisdiction review the final document before signing.
CORE · Tool 3

Pricing Intelligence

What should you charge? Market rates by profession, country, and experience level — plus how to justify your rate, position it, and respond when clients push back.

PRICING INTELLIGENCE REPORT · COMMERCIA
CORE · Tool 4

Market Entry Guide

How to legally and practically offer your services in a new country or market — permits, tax obligations, local platforms, practical first steps, and what to avoid.

MARKET ENTRY GUIDE · COMMERCIA
CORE · Tool 5

Business Registration Guide

Country-specific requirements for registering a business — documents, costs, timeline, entity types, and exactly where to start.

BUSINESS REGISTRATION GUIDE · COMMERCIA
CORE · Tool 6

Commercial Correspondence

Proposals, rate negotiations, payment chasers, scope disputes, project follow-ups — professional commercial writing using the available native-dictionary language layer for any situation.

📝
Service Proposal
🕑
Project Follow-Up
🤝
Rate Negotiation
💰
Payment Chaser
⚠️
Scope Dispute
🚫
Contract Termination
COMMERCIAL CORRESPONDENCE · COMMERCIA
INTELLIGENCE · Tool 1 · CREDENCIA

Your commercial identity.
Verified and portable.

Professionals across Africa, Asia, and Latin America cannot rely on institutional backing to prove who they are. CREDENCIA builds a verified, cryptographically timestamped commercial identity — from self-reported up to KYC-verified and institutionally endorsed.

Select your verification tier
📄
Tier 1
Self-Reported
SHA-256 Timestamped
🕵️
Tier 2
KYC Integration Preview
Provider integration required
🏆
Tier 3
Reference Block Preview
Institutional workflow required
Tier 1 — Self-Reported: You input your engagement history and credentials. COMMERCIA generates a structured dossier and cryptographically timestamps it (SHA-256). Useful for demonstrating a track record to clients who do not have formal verification requirements. No identity verification is performed.
What CREDENCIA produces
Engagement HistoryTimestamped record — client sector, scope, duration, value range
Payment Track RecordEvidence of invoices issued and settled — without revealing client names
Local Analysis RecordStructured local dossier text with a local SHA-256 hash where supported
Local SHA-256 FingerprintHashing can help identify whether exported text changed; it does not certify facts or resolve disputes by itself
Your professional profile
Engagement history (add up to 6 engagements)
COMMERCIAL CREDIBILITY DOSSIER · CREDENCIA · COMMERCIA
This dossier is self-reported. Its value lies in structured organization, local hashing where supported, and a clearer professional narrative — not in third-party verification. For independently reviewed credentials, see VERITA (PLENA suite).
INTELLIGENCE · Tool 2 · TRANSITA

Stop losing 15%
every time you get paid.

African professionals serving international clients can lose meaningful value to fees, exchange-rate margins, and correspondent-bank charges. TRANSITA organizes the route-comparison questions to check before choosing a payment corridor.

Routes TRANSITA evaluates
Wise Payoneer SWIFT Bank Transfer M-Pesa / Mobile Money USDT / USDC Stablecoin Remitly WorldRemit Local correspondent bank Flutterwave Chipper Cash Grey / Geegpay Crypto off-ramp
PAYMENT ROUTE ANALYSIS · TRANSITA · COMMERCIA
Fee rates and exchange rate margins change frequently. Verify current rates directly on each platform before initiating a transfer. TRANSITA provides guidance based on typical corridor costs — actual rates may differ.
INTELLIGENCE · Tool 3 · NEGOTIA

Every clause
that disadvantages you.

The client's lawyer wrote this contract to protect the client. NEGOTIA reads it to protect you — identifying unfair clauses, suggesting alternative language, and telling you exactly what is worth pushing back on and what is standard.

What NEGOTIA looks for
🔴 IP ownership clauses that take all your rights
🔴 Non-compete and non-solicitation overreach
🔴 Unilateral termination without compensation
🔴 Unlimited liability or indemnification
🟡 Payment terms longer than 45 days
🟡 Scope creep language with no change order process
🟡 Jurisdiction clauses that put disputes in an inconvenient court
🟡 Confidentiality terms that restrict your future work
✅ Standard boilerplate that is fine to accept
✅ Clauses you should actually want in a contract
CONTRACT NEGOTIATION ANALYSIS · NEGOTIA · COMMERCIA
NEGOTIA provides commercial intelligence, not legal advice. For contracts above USD 10,000 or with significant legal risk, consult a qualified lawyer in the governing jurisdiction before signing.
💸 Escrow Integration — Coming Phase 3

Once NEGOTIA identifies fair contract terms, COMMERCIA can facilitate execution — the institution deposits funds into a COMMERCIA-managed escrow vault, released only when contract milestones are verified on the platform. No more payment disputes.

📜
Contract Analysed
💸
Funds Deposited
📋
Milestones Set
✅
Work Verified
💰
Funds Released
Settings

Connect your AI engine.

👤 My Profile — Auto-fill all tools
◯ Profile not saved

Save your details once. COMMERCIA will pre-fill your name, profession, and country across every tool — no re-entering every session. Stored locally in your browser only, never transmitted.

💾 Saved Analyses

Your last 5 saved analyses — click to expand. Stored in your browser only. Cleared when you clear browser data.

No saved analyses yet. Use the Save button on any result to keep it here.
🤖 AI Provider Roadmap
🔒 Local-First Privacy Boundary — How COMMERCIA Protects You
YOU  →  COMMERCIA STATIC PAGE (browser-local runtime)
Current reports are generated locally from your form entries; future AI/provider routing requires a proper backend or explicit BYOK mode.
✓The current static build does not send AI queries to Anthropic, OpenAI, or Google. It generates local first-pass reports from your form entries. ✓Do not paste live API keys into this static preview. The d19.63 runtime disables API-key storage and clears any old local COMMERCIA key. ✓No account, no registration, no email. COMMERCIA collects zero identifying information about you. ✓Saved analyses, profile snippets, language choice, and cookie consent can remain in this browser's local storage until you clear them. No cloud sync is present in this static build. ✓The contracts, wallet addresses, and financial details you enter into forms are processed locally in your browser to build prompts. They are never sent to COMMERCIA. ✓COMMERCIA has no affiliation with any exchange, token, investment platform, or financial provider. No advertiser can pay to influence its analysis.
What your AI provider does see: In this d19.63 static build, no provider call is made from COMMERCIA. If a future backend or explicit BYOK mode is enabled, provider privacy terms and deployment logging must be reviewed before using sensitive data.
🏠 About COMMERCIA

COMMERCIA is a product of PLENA Global LLC, a California-registered company.

COMMERCIA and CRYPTA are trademarks pending USPTO registration under the PLENA suite.

PLENA GLOBAL LLC · California, United States · plena.global

INSTITUTIONAL · Tool 1 · VERIFICA

Vendor & Counterparty
Due Diligence.

Before you sign a subcontract. Before you approve a supplier. Before you release a grant payment. VERIFICA generates a structured due diligence report on any counterparty — individual or organisation.

What VERIFICA checks
🔴 Identity consistency and verifiability
🔴 Registration and legal status of entity
🔴 Conflict of interest indicators
🔴 Fraud and sanctions red flags
🟡 Track record corroboration signals
🟡 Payment and compliance history indicators
✅ Recommended verification steps
✅ Risk rating and engagement recommendation
COMMERCIA VERIFICA — Vendor Due Diligence Report
DUE DILIGENCE REPORT · VERIFICA · COMMERCIA
INSTITUTIONAL · Tool 2 · COMPLIANCE DASHBOARD

Regulatory status.
Every jurisdiction. Review-ready.

Country-by-country crypto and financial regulatory status across Africa, Asia, and Latin America. Click any country for full detail. Filter by region or status.

Data note: Regulatory data reflects the most recent known status. Crypto regulations change frequently — verify with official government sources before making compliance decisions. COMMERCIA accepts no liability for regulatory changes after publication.
INSTITUTIONAL · Tool 3 · BULK SCREENING

Screen multiple contracts
at once.

Procurement teams don't review one contract at a time. Paste up to 5 contracts or counterparty descriptions — COMMERCIA screens them sequentially and produces a summary risk table.

How to use: Paste each contract or counterparty description below, separated by the divider ===. COMMERCIA will screen each item individually and generate a summary risk table.
INSTITUTIONAL · Tool 4 · METHODOLOGY

How COMMERCIA
reaches its conclusions.

Transparency about sources, scoring methods, limitations, and update frequency — so institutions can assess fitness for purpose before adoption.

Core Architecture Principle

COMMERCIA is currently a browser-local first-pass screening layer, not a proprietary production database or production AI gateway. It structures user-provided information into local checklists, risk screens, and report templates. Future AI/provider routing should run through a secure backend or clearly disclosed BYOK mode.

CRYPTA · Exchange Verification
How Exchange Risk Ratings Work
COMMERCIA applies local red-flag logic to the exchange name, user country, intended use, and reported concerns entered by the user. Output is structured into identity, regulatory, security, and red-flag sections.

Limitation: It does not query live regulator, exchange, block-explorer, sanctions, or complaint databases.
⚠ Static screen: verify with live sources
CRYPTA · Fraud Detection
How Fraud Scores Are Calculated
COMMERCIA scores projects against a checklist of known fraud patterns derived from documented rug pulls, Ponzi schemes, and exit scams across emerging markets. Inputs include: liquidity lock status, team verification, audit status, APY claims, and suspicious behaviour. The score is weighted across 8 risk dimensions.

Limitation: Novel fraud patterns may be missed. Score is a local triage signal, not a finding of fraud or safety.
⚠ Not a guarantee: probabilistic assessment only
CRYPTA · Compliance Dashboard
Regulatory Status Data Sources
The current grid contains starter jurisdiction examples and reminder notes. It is not a live legal-status database. Treat statuses as prompts for what to verify with central banks, securities regulators, tax authorities, and official publications.

Limitation: Laws change quickly. Always verify with the official regulator before acting.
⚠ Verify before acting — law changes frequently
CORE · Contract Analysis
How Contract Clauses Are Flagged
NEGOTIA and VERIFICA use a combination of: (1) explicit clause pattern matching (IP assignment, liability caps, jurisdiction), (2) benchmark comparison to market-standard terms for the contract type and jurisdiction, and (3) power asymmetry analysis based on the user's stated role and leverage.

Limitation: Not a substitute for qualified legal advice. Jurisdiction-specific nuances may vary.
⚠ Not legal advice — consult a lawyer for high-value contracts
CORE · Pricing Intelligence
How Market Rates Are Sourced
Pricing output is currently a structured local positioning guide. It does not fetch current Glassdoor, LinkedIn Salary, Upwork, UN/World Bank, or platform-rate data. Use it to prepare rate questions, then verify with current sector-specific sources.

Limitation: Rates in niche professions or micro-markets require current market checks.
⚠ Verify with sector-specific salary surveys
INTELLIGENCE · TRANSITA
How Payment Routes Are Ranked
TRANSITA organizes route-comparison factors: total cost, FX margin, transfer time, corridor availability, documentation, and setup complexity. It does not fetch current platform fees or exchange rates.

Limitation: Exchange rates and fees fluctuate. Verify current rates before executing transfers.
⚠ Rates change daily — verify before transferring
Institutional Fitness Assessment
✓ Suitable for
First-pass vendor screening · Contract red-flag identification · Payment corridor research · Regulatory awareness briefings · Staff training scenarios · Preliminary risk classification
✗ Not a substitute for
Formal KYC/AML compliance · Legal due diligence for large transactions · Regulatory legal opinions · Audited financial reports · Certified compliance determinations
FOR INSTITUTIONS

Built for professionals.
Designed to scale.

COMMERCIA is a working static first-pass tool for local reports and document preparation. Institutional features — team accounts, identity-review workflows, API roadmap items, and audit trails — remain roadmap or pilot-scoped items under PLENA Global LLC. Here is exactly what exists now, and what is coming.

✓ Works today
  • ✓ Individual tools — locally functional first-pass workflows
  • ✓ VERIFICA — vendor due diligence, one at a time
  • ✓ Bulk Screening — up to 5 items per batch
  • ✓ Compliance Dashboard — 13-country starter example grid
  • ✓ Methodology documentation — transparent about limitations
  • ✓ Local-first storage — optional saved analyses stay in this browser unless cleared
  • ✓ 9 languages — including Arabic, Swahili, and Hindi
  • ✓ Copy / print / PDF-style export helpers on local analyses
  • ✓ PLENA Global LLC — California-registered entity
◯ In development
  • ◯ Team accounts + role permissions
  • ◯ Persistent audit log
  • ◯ KYC identity verification (Smile ID / Metamap)
  • ◯ Institutional Reference Block (digital endorsement)
  • ◯ Developer REST API
  • ◯ Xero / QuickBooks invoice sync
  • ◯ Enterprise Dashboard (portfolio view)
  • ◯ Escrow integration
  • ◯ White-label deployment
Use cases COMMERCIA is designed for today
👨‍💻
Independent Consultants
Can use CORE tools for invoicing, contract templates, and pricing preparation; TRANSITA for route-comparison questions; and NEGOTIA before reviewing client agreements.
👔
Procurement Officers
Can run individual vendors through VERIFICA before approvals, use NEGOTIA to flag contract concerns, and use Bulk Screening for small first-pass batches.
🏫
Researchers & Academics
Can use CREDENCIA to organize engagement history, CRYPTA to structure platform checks for field research payments, and COMMERCIA CORE for professional correspondence.
🏠
Small NGO Teams
Can use VERIFICA for quick supplier-check preparation, the Compliance Dashboard as a starter official-source checklist, and TRANSITA for disbursement-route comparison.
"COMMERCIA is the only tool built specifically for the independent professional the global financial system was not built for — and for the institutions that work with them across Africa, Asia, and Latin America."
It is a working static first-pass tool today. Institutional features are in active development under PLENA Global LLC. Register your interest below to be part of the early access programme — and to have direct input into which institutional features are built first.
🆕
Basic Mode
Pre-fill all tool forms with realistic scenarios — so you can walk a colleague through the platform without entering real data.
Register for Institutional Early Access

When team accounts, API access, and the Enterprise Dashboard launch, early registrants should be routed through a production contact workflow. This static preview only displays a local confirmation.

ENTERPRISE · Coming Soon

Global vendor oversight.
One screen.

A planned command-centre view for risk scores, legal-status notes, payment-efficiency metrics, and compliance alerts across a contractor portfolio. The dashboard shown below is illustrative and currently in development under PLENA Global LLC.

🌐
Regional Trust Heatmap
Geographic risk visualisation of your entire contractor portfolio across Africa, Asia, and Latin America.
Coming Phase 2
📊
Vendor Risk Pipeline
Planned table of active contractors — risk score, CREDENCIA status, regulatory alerts, and last check date once real data sources exist.
Coming Phase 2
💸
Payment Efficiency
Aggregate FX loss, corridor costs, and optimised routes across your full disbursement portfolio.
Coming Phase 2
🚨
Automated Alerts
Planned notifications when verified data sources indicate a vendor-status change, wallet flag, or CREDENCIA expiry.
Coming Phase 2
✓ Available in this local static build
✓ VERIFICA — screen any vendor individually
✓ Bulk Screening — screen up to 5 at once
✓ Compliance Dashboard — 13-country starter example grid
✓ NEGOTIA — analyse any contract
✓ CREDENCIA — build dossiers for your vendors
✓ TRANSITA — optimise payment routes

These local first-pass tools work in this static build. The Enterprise Dashboard would bring them together into a unified management view after production data, accounts, and API infrastructure are added.

Register for Early Access

When the Enterprise Dashboard launches, early-access registration should be handled by a production CRM or email workflow. This static preview only displays a local confirmation.

42
Active Vendors
↑ 6 this quarter
31
CREDENCIA Verified
74% coverage
24
Avg. Risk Score / 100
↓ Low risk portfolio
3
Active Alerts
2 regulatory · 1 vendor flag
8.2%
Avg. FX Loss
↓ 2.1% vs last quarter
18
Countries Covered
Across 3 regions
Regional Trust Heatmap — Vendor Presence
■ Low Risk ■ Monitor ■ High Risk
Africa
Nigeria
Kenya
S. Africa
Ghana
Ethiopia
Rwanda
Tanzania
DRC ⚠
Asia
India
Philippines
Indonesia
Bangladesh
Vietnam
Pakistan
Latin America
Brazil
Colombia
Argentina
Mexico
Chile
Venezuela
Vendor Risk Pipeline
VendorCountrySectorValueRisk ScoreCREDENCIAReg. StatusLast Check
Adaeze ConsultingNigeriaHealth research$24K18/100Verified T2Restricted2 days ago
ManilaData Inc.PhilippinesData analytics$38K12/100Verified T2LegalToday
BogotáTech SASColombiaSoftware dev$55K41/100PendingRestricted5 days ago
Kigali Research Co.RwandaPolicy evaluation$19K22/100Verified T1Grey Zone1 week ago
Dhaka Freelance Ltd.BangladeshTranslation$8K29/100PendingRestricted3 days ago
CongoBuild SARLDRCConstruction$72K72/100⚠ FlaggedGrey ZoneToday
Active Alerts
🚨
CongoBuild SARL — Risk score elevated to 72/100 New fraud pattern detected matching known DRC construction sector scams. Wallet address flagged in CRYPTA module. Recommend immediate VERIFICA re-screening before next payment.
Today · 09:14
⚠️
Nigeria regulatory update — CBN enforcement notice issued New CBN circular requires all VASPs to complete registration by end of quarter. Affects 4 vendors in your Nigeria portfolio. Review payment routes for compliance.
2 days ago
⚠️
BogotáTech SAS — CREDENCIA verification still pending after 14 days Contract value ($55K) exceeds enhanced due diligence threshold. Recommend pausing next milestone payment until T2 verification is complete.
5 days ago
Example data note: The vendor table and heatmap above show illustrative data. In a production Institutional tier, this dashboard would populate from actual VERIFICA screenings, CREDENCIA dossiers, and compliance checks after the Developer API or direct-entry workflow exists.
DEVELOPER · API Reference

The Trust API.
COMMERCIA in your stack.

Preview specification for a future REST API that could connect COMMERCIA-style screening workflows to ERP, procurement, or custom systems. The static build below is not a live API, does not accept institutional keys, and does not cryptographically sign responses.

⚙️
In Development — Phase 2

The COMMERCIA API is in specification phase under PLENA Global LLC. The endpoint design below is a preview for discussion, not a live or final integration contract. Register on the Enterprise page to be notified when a production API and security documentation are available.

Base URL
https://api.example.commercia.io/v1/institutional
Authentication
Authorization: Bearer YOUR_INSTITUTIONAL_API_KEY Content-Type: application/json X-Commercia-Version: 2026-04
The proposed API response pattern includes a commercia_id and SHA-256 response hash so production deployments can support audit-ready records. It is not a production audit trail in this static build.
Endpoints
POST /verify/entity Exchange & vendor identity verification ▾
Request
{ "entity_name": "tropicalpay.io", "entity_type": "exchange", "user_country": "PH", "metadata": { "batch_id": "BATCH-2026-Q2" } }
Response
{ "commercia_id": "COM-2026-X441", "risk_level": "AVOID", "risk_score": 82, "flags": [ "NO_REGULATORY_LICENCE", "SUSPICIOUS_RETURNS_CLAIM" ], "hash": "a3f9c2d8..." }
POST /risk/fraud Rug pull & fraud detection ▾
Request
{ "project_name": "AfriYield Token", "contract_address": "0x742d35Cc...", "liquidity_status": "claimed", "team_verification": "anon", "metadata": { "batch_id": "BATCH-2026-X" } }
Response
{ "commercia_id": "COM-2026-X892", "risk_score": 75, "risk_level": "AVOID", "flags": [ "LIQUIDITY_UNVERIFIED", "ANON_TEAM" ], "hash": "d72f1e9a..." }
POST /contract/audit Contract clause analysis (NEGOTIA) ▾
Request
{ "contract_text": "[full text]", "contract_type": "consulting", "user_role": "service_provider", "jurisdiction": "NG", "value_usd": 24000 }
Response
{ "commercia_id": "COM-2026-C201", "overall_risk": "MEDIUM", "red_flags": 3, "yellow_flags": 4, "recommendation": "NEGOTIATE_FIRST", "hash": "b8e4a1f2..." }
POST /risk/legal Crypto legal status by country ▾
{ "country_code": "BR", "activity": "crypto_trading" } → Returns: status (LEGAL/RESTRICTED/BANNED), regulator, last_updated, risk_notes
POST /verify/wallet Wallet address screening ▾
{ "wallet_address": "0x742d35Cc...", "blockchain": "ethereum" } → Returns: risk_level, sanctions_match (bool), known_flags[], hash
POST /batch/screen Batch processing — up to 500 items ▾
{ "type": "wallet", "items": [ "0x742d35Cc...", "0x8b32a4..." ], "batch_id": "PROCUREMENT-Q2-2026", "webhook_url": "https://your-erp.com/commercia/callback" } → Async processing. Results delivered to webhook_url when complete.
ERP & Accounting Integrations — Phase 2
📊
Xero
Invoice sync
PHASE 2
📈
QuickBooks
Invoice sync
PHASE 2
🏢
SAP
Vendor records
PHASE 2
🔗
Custom ERP
Webhook + REST
SPEC PREVIEW
Strategic Roadmap

From tools to
infrastructure.

COMMERCIA's path from browser-local first-pass tools to an institutional-grade commercial trust engine — with verification, connectivity, financial execution, and proprietary data intelligence.

P1
Verification
P2
Connectivity
P3
Financials
P4
Data
P1
Verification — KYC/KYB + Digital Identity
Make professional identity verifiable, not just claimable
Integrate Smile ID (Africa) and Metamap (Latin America / Asia) for biometric identity verification — CREDENCIA Tier 2
Institutional Reference Block: former employers sign a cryptographic endorsement on a professional's dossier — CREDENCIA Tier 3
On-chain proof of work: completed contract milestones timestamped on a public ledger to generate a Commercial Credit Score
Zero-Knowledge Proof option: prove track record without revealing sensitive client data
Multi-signature contract approval chain: legal officer + department head + contractor all sign before a document is finalised
▶ Current Priority
P2
Connectivity — API + ERP Integrations
Bring COMMERCIA intelligence into institutional workflows
Full Developer API launch — every COMMERCIA module accessible via REST endpoints with batch processing and webhook callbacks
Xero and QuickBooks invoice sync: invoices generated in COMMERCIA appear directly in the institution's accounting software
SAP and Oracle ERP vendor record integration: VERIFICA scores automatically populate procurement databases
Curated regulatory watchlist: human-reviewed database of central bank circulars with alerts — complementing AI-only summariesroach
White-label deployment: institutions issue their own CREDENCIA dossiers to vetted staff, creating a private talent pool
▶ Next Phase
P3
Financials — Escrow + Direct Payment Execution
Move from advising to facilitating actual transactions
COMMERCIA Escrow: institution deposits milestone funds into a COMMERCIA-managed vault; released when contract deliverables are verified on-platform
Direct payment execution in TRANSITA: "Execute Transfer" button routes the payment via the optimal corridor identified by the route analysis
Partner with licensed VASPs and fintechs (Flutterwave, dLocal, Wise Business) to enable direct disbursement in 40+ countries
Institutional FX optimisation: bulk conversion at better rates for organisations disbursing across multiple corridors simultaneously
◯ Phase 3
P4
Data — Proprietary Market Intelligence
Sell insights institutions cannot get from a standard chatbot
The COMMERCIA Index: anonymous aggregate data from TRANSITA and PRICING generates quarterly reports — "Real Freelance Rates in East Africa," "Effective FX Loss by Corridor," "Emerging Market Contract Risk Benchmarks"
Regulatory Alert Subscription: curated, human-verified database of central bank and financial regulator publications — institutions pay for push notifications
Commercial Credit Scores for gig workers: aggregate CREDENCIA + on-chain data sold (with consent) to development finance institutions for SME lending decisions
VC and DFI data packages: quarterly emerging-market professional economy reports for investment decision-making
◯ Phase 4
SOC 2 & GDPR Path
SOC 2 Type IIAnnual security audit of COMMERCIA infrastructure — required for US enterprise clients and most DFIs.
GDPR / NDPR / LGPDData residency options: EU-hosted for European institutions, Africa-region servers for NDPR/POPIA compliance, LatAm for LGPD.
ISO 27001Information security management certification — signals institutional-grade data handling to procurement teams.
Analysis Record RoadmapProduction modules could export signed records with IDs and hashes after security, verification, and audit infrastructure exists.

Partner & Supplier Due Diligence Portal

PLENA Commerce & Institutional Suite

Part of the Partner & Supplier Due Diligence Portal with COMMERCIA, VERITA, PROVA, and CONSERVA.

COMMERCIA role: Commercial workflow, supplier/partner profile intake, and business-readiness framing.

Limit: this suite organizes submitted information and readiness gaps. It is not legal representation, tax/accounting advice, official supplier certification, sanctions screening, procurement approval, or a forensic audit.

Open product flow Request Commerce & Institutional Pilot