Fraud-Resistant Data Sharing for Audit & Custody

Replace manual, paper-based certificates with immutable digital twins for goods. Each transfer is cryptographically signed and recorded, creating an unbreakable chain of custody.

• Example: A luxury goods manufacturer tags items with NFC chips linked to the ledger. Retailers and customers can instantly verify authenticity, reducing a $500B+ global counterfeit market.
• ROI Driver: Cuts fraud losses, reduces insurance premiums, and enables premium pricing for verifiable goods.

Eliminate days of manual reconciliation between banks, payment processors, and corporate ledgers. A shared transaction ledger provides a single, synchronized record for all parties.

• Example: In trade finance, a letter of credit and bill of lading can be tokenized on a shared ledger. All parties (importer, exporter, banks, shippers) see real-time status, reducing processing from 5-10 days to under 24 hours.
• ROI Driver: Reduces operational costs by up to 80%, minimizes errors, and frees capital trapped in process delays.

Automate compliance reporting with cryptographically sealed records. Every data entry is timestamped, signed, and linked to the previous one, making it provably unaltered.

• Example: A pharmaceutical company tracks drug trial data on a permissioned ledger. Regulators (like the FDA) can be granted read access to verify data integrity in real-time, slashing audit preparation time and cost.
• ROI Driver: Drastically reduces audit preparation costs (often >$1M per audit) and mitigates regulatory penalty risk.

Enable competitors or ecosystem partners to share sensitive data (e.g., KYC info, risk data) without exposing raw data or trusting a central aggregator. Zero-Knowledge Proofs (ZKPs) allow verification without disclosure.

• Example: A consortium of banks shares fraud alert data via a shared ledger using ZKPs. They can identify bad actors across the network without revealing individual customer details, improving fraud detection rates by 30-50%.
• ROI Driver: Reduces fraud losses and compliance costs while preserving competitive advantage and customer privacy.

Automate claims verification against immutable sources of truth (e.g., IoT sensor data, police reports, weather feeds). Smart contracts can trigger payments automatically when pre-defined conditions are met.

• Example: For flight delay insurance, a smart contract connected to a trusted airline data feed automatically pays policyholders after a 2-hour delay, eliminating claims forms and manual processing.
• ROI Driver: Reduces claims processing costs by 40-60%, improves customer satisfaction, and minimizes fraudulent claims.

Convert illiquid physical assets (real estate, fine art, private equity) into digital tokens on a shared ledger. This creates a transparent, fraud-resistant record of ownership and enables fractional investment.

• Example: A commercial real estate firm tokenizes a $100M office building. Investors can buy fractional shares, with all ownership transfers and dividend payments automated via the ledger, reducing administrative overhead by ~70%.
• ROI Driver: Unlocks new capital, reduces transaction and custodial fees, and provides 24/7 liquidity for traditionally illiquid assets.

Replace manual paperwork and siloed databases with a single source of truth for product journeys. Immutable audit trails automatically track goods from origin to shelf, enabling:

• Automated compliance for regulations like the Uyghur Forced Labor Prevention Act (UFLPA).
• Instant verification of ethical sourcing claims, reducing brand risk.
• Streamlined recalls by pinpointing affected batches in seconds, not weeks.

Real Example: Walmart uses blockchain to trace mangoes back to farms in 2.2 seconds, a process that previously took 7 days.

Digitize Letters of Credit and trade documents on a shared ledger to cut settlement times from weeks to hours. Smart contracts automate payments upon verified shipment milestones, delivering:

• Up to 80% reduction in document processing costs.
• Near-elimination of fraud from duplicate financing or forged bills of lading.
• Improved liquidity for suppliers through faster payment cycles.

Real Example: The Marco Polo Network, powered by R3 Corda, enables banks like Commerzbank to offer real-time, risk-mitigated trade finance.

Fractionalize ownership of high-value assets (buildings, art, royalties) and manage them on a blockchain. Programmable ownership rights enable:

• New liquidity pools by opening investments to a broader audience.
• Automated royalty/distribution payments via smart contracts, reducing admin overhead.
• Transparent, fraud-resistant title histories that simplify audits and transactions.

Real Example: Companies like RealT tokenize U.S. rental properties, allowing global investors to buy shares and receive automated rental income distributions.