At Kaizen Consulting, we closely follow every advancement that contributes to modernising access to corporate financing. Our commitment to transforming the business landscape leads us to participate actively in forums and presentations that shape the future of the sector. In this context, Celestino González Moreno, Managing Partner at Kaizen Consulting, attended the launch event of InBlock, the new platform developed by the Spanish Factoring Association (AEF), which aims to redefine the way commercial receivables are validated and managed.
The event offered a first-hand look at a tool set to become a turning point for financial institutions and for the thousands of companies that rely on invoice discounting as a source of liquidity. As the AEF highlighted during the presentation, InBlock was created to bring to the factoring industry something now essential: security, traceability and immediate validation, all supported by blockchain technology.
A platform that provides security, agility and transparency
InBlock is presented as a solution capable of confirming whether an invoice truly exists, whether it has been declared to the tax authorities, and whether it has already been assigned. This triple verification —developed in collaboration with the Spanish Tax Agency and the regional tax authorities— strengthens fraud prevention and provides an essential safeguard in a process where the accuracy of information is critical for financing decisions. In this way, it not only improves the operational efficiency of financial institutions, but also offers companies a more reliable and professionalised environment to manage their liquidity needs.
Automated validation represents a significant step forward in terms of efficiency. The platform streamlines the operational sequence: the company submits the batch of invoices, the financial institution records them on the platform, and the system returns a validated confirmation after verifying their existence, tax declaration and any previous assignment. This direct workflow reduces delays, eliminates friction and speeds up access to financing —particularly important for SMEs facing cash-flow tensions or long collection cycles.
The use of blockchain technology adds a decisive layer of robustness. Information is managed through encryption, ensuring integrity, immutability and full traceability. Each invoice is securely recorded, preventing tampering and preserving confidentiality among the participating institutions. This technical framework offers legal certainty and establishes a solid foundation for the growth of digital factoring in Spain.
The launch of InBlock marks an essential step forward in a market that demands digitalisation, speed and reliability. Companies need tools that allow them to access financing swiftly and securely, while financial institutions require systems that reduce risk and enhance efficiency. InBlock responds to both needs with a modern, institutionally backed solution aligned with the most advanced technological trends.
For Kaizen Consulting, initiatives such as this strengthen our commitment to financial innovation. Our work is to interpret the evolution of the sector, anticipate opportunities and support companies so they can harness the potential of an increasingly digital and competitive environment. We will continue to monitor the rollout of this platform, convinced that it represents a decisive step towards a more transparent, secure and accessible factoring landscape for all businesses.
