PayBlok is a token aimed at solving small and medium size business cash flow problems by offering an early payment function on top of the existing features within the InstaSupply platform, which currently connects buyers and suppliers, matching purchase orders, deliveries, and invoices. Small businesses have $20T+ in outstanding receivables, take an average of 60 days to get paid, with 50% still paid late. Options for solving these challenges are expensive and limited, but InstaSupply is already involved in tracking and reducing this kind of issue. The PayBlok token will first serve the purpose of incentivizing B2B payments within the InstaSupply platform. As adoption grows, token holders will be able to unlock new financing products by holding tokens, but also use the tokens to make payments.