NicoMach is an early-stage analytical platform that helps independent businesses settle what they owe each other with fewer payments. Companies share their invoice data, and NicoMach removes anything disputed or unconfirmed, then solves the remaining obligations as one network and recommends the smallest set of transfers that clears them. It is read-only and never holds or moves funds. Every participant approves the plan before anything is paid, and payments still go through their own banks.