Level the Field

Small business owners like you aren’t getting the support they need. You face daily challenges of cashflow, administration and customer confidence, and growing your business is difficult.  You’re not getting the support you need from governments and banks.

hiveonline is the financial trust platform for small businesses,  As a small business owner, you share decisions, contracts, authorisations and payments with your customers and suppliers via mobile, removing uncertainty and complexity.  Guarantees, decisions, pictures and certificates are stored to build an indelible profile of your delivery record.

Your customers, bank, retailers, authorities and businesses need to know you can be trusted so we take the administration and burden of proof away with our tailored ratings, which are based on what you’ve delivered, rather than biased reviews.

Built for your business

If you’re running a small business in the construction, catering and agriculture sectors in Denmark and Sweden, you’re busy working onsite instead of sitting at a PC all day, so we ensure you can access everything on your mobile. We give you partners offering a rich variety of administrative services tailored to your needs.

We invite you to use our community events and information services, benefiting from our trust network across Denmark and Sweden.

You can rely on our network

hiveonline is a scalable platform designed by an experienced team, led by banking expert Sofie Blakstad and based in Copenhagen, Denmark and Stockholm, Sweden. Together, we are partnering with banks, industry bodies, NGOs and governments to help small businesses.

hiveonline is the brainchild of a team of banking and technology professionals who think that building and running a small business shouldn’t be as difficult, painful and risky as it is today. We have deep experience within global banking service and blockchain delivery, partnering with leading ERP, accountancy, trade systems, banks, auditors and governments to provide a seamless customer experience.

How

Customers

hiveonline takes the administrative pain out of running your business, providing use-anywhere safe, flexible financial management so you can focus on delivering exceptional service to your customers. Our incorruptible trust record helps your customers see the decisions they’ve made, encourages early payment and provides a guarantee of your reliability to banks, customers and potential partners.

Mission

Our mission is to give small businesses the power to participate in open marketplaces and compete with bigger companies. We do this with a unique combination of financial administration and indelible trust records.

SIMPLE

RELEVANT

HOLISTIC

Clear and easy financial administration, so you have more time to run your business. AI and predictive analytics provide the tools and trust you and your customers need. We bring you a wide partner network as an integrated platform to achieve your business goals.

Background and more details…

hiveonline is the brainchild of a team of banking and technology professionals who think that building and running a small business shouldn’t be as difficult, painful and risky as it is today. SMEs struggle with cash flow and complain about administration, while the uncertainty and difficulty of finding trusted partners restricts their growth.

How it works

Our underpinning blockchain technology means that platform members know they can trust our records, without validation by a bank, government, or third party, and this also applies for banks, governments and third parties seeking the confidence to help SMEs. More than just a cool app, hiveonline is a financial trust platform that builds an indelible record of work completed, including hours, proof of work completed and decisions made by the end customer, such as receipts, chat interactions, photographs and certificates. Contracts between businesses and their customers store business rules for payment and connect to a system of e-wallets. This allows us to provide invoice-free payments and microfinancing to bridge payment gaps, instead of process-based loan applications and invoicing.

Our first horizon customers are SMEs in the construction, catering and agriculture sectors in Denmark and Sweden, busy working onsite instead of sitting at a PC all day, so our first horizon interface is mobile only. The platform adds business rules, analytics and some AI on top of our blockchain, with partner capabilities managed by third parties offering a rich variety of administrative services tailored to the market. We support this offering with community events and information, bringing the trust network alive to our core customers.

Growth potential

We are supporting organisations in the region including banks and innovation agencies in helping their SME customers realise greater potential. We have identified many macroeconomic factors that make this sector and region ideal for first horizon launch, including single sign-on protocols (NemID, BankID), low use of cash and high quality standards, which makes the target market eager to embrace a system that proves quality and trust.

Looking forward, however, hiveonline has applications to larger companies, charities, collectives and other organisations needing to relate decisions to payments and record keeping, and build a trust profile. As we learn from our first horizon customers, we will further refine our offering to include more analytics and AI supporting a wider variety of customer types. Early customer demand, not just from our first horizon customers, but from charities and large businesses, looks strong. We recognise the need to scale incrementally and are therefore developing syndication and licensing approaches to sectors that fall outside our target market at any given time.

Let’s keep in touch…

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