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MOVIRA is a Solana-based DeFi protocol designed to transform verified digital invoices into programmable, on-chain liquidity. Instead of relying on traditional factoring models, MOVIRA introduces a decentralized, non-custodial credit system where funding decisions are derived from on-chain activity combined with off-chain business data. The protocol is built around three core layers: digital invoice issuance, a credit intelligence engine, and an under-collateralized lending framework. Together, these components allow real-world businesses to unlock liquidity without the need for excessive asset collateralization.