Real-Time Multi-Currency Netting

Eliminate the days of float where funds are in transit and vulnerable. Atomic settlement ensures a payment only finalizes when its corresponding receipt is confirmed, collapsing settlement windows from days to seconds. This drastically reduces credit risk and exposure to counterparty default.

• Example: A multinational settling intercompany invoices across 30 subsidiaries no longer needs to pre-fund accounts, locking up capital.

Convert idle, pre-allocated settlement funds into working capital. Real-time netting provides a precise, up-to-the-second view of net positions, allowing treasury to deploy surplus cash more effectively.

• Quantifiable Impact: Enterprises report a 20-40% reduction in required working capital for international settlements.
• Benefit: Funds previously stuck in transit accounts can be used for investment, debt repayment, or operational expenses.

Automate manual reconciliation and reduce transaction volumes. By netting obligations on a shared ledger, you minimize the number of costly cross-border payments and associated FX conversion fees.

• Process Efficiency: Automates the matching and reconciliation of thousands of invoices, saving hundreds of manual hours per month.
• Cost Savings: Fewer transactions mean lower bank fees, less intermediary handling, and better aggregated FX rates through batch settlement.

Create an immutable, single source of truth for all cross-entity transactions. Every netting calculation, payment instruction, and settlement is recorded on-chain, providing a tamper-proof audit trail.

• Compliance Ready: Simplifies reporting for regulations like SOX and IFRS. Auditors can verify transactions in real-time.
• Real Example: A global manufacturer uses this ledger to automatically generate proof-of-payment and transfer pricing reports for tax authorities, cutting audit preparation time by 70%.

Break free from banking hours and time-zone delays. Blockchain networks operate continuously, allowing subsidiaries in Asia to settle with HQ in the US instantly, at any time.

• Business Agility: Accelerates financial closing cycles and improves cash flow forecasting accuracy.
• Strategic Benefit: Supports just-in-time funding for acquisitions, vendor payments, and dynamic discounting programs without traditional banking delays.

Real-time netting is the gateway to a fully automated financial supply chain. The shared ledger becomes the backbone for smart contract-driven processes like dynamic discounting, automated trade finance, and integrated ESG reporting.

• Future-Proofing: This infrastructure allows for seamless integration with IoT devices for real-time asset tracking and payment, or with AI for predictive cash flow analysis.
• ROI Expansion: The initial investment in netting delivers compounding returns as more financial processes are migrated to the automated ledger.

A consortium of multinational banks implemented a shared ledger for intraday FX netting, transforming a manual, batch-processed nightmare into a real-time system.

• The Pain Point: Billions in daily exposure trapped in pending settlements, requiring high capital reserves.
• The Blockchain Fix: Atomic, PvP (Payment-versus-Payment) settlements on a permissioned ledger.
• Quantified Result: 75% reduction in settlement exposure, freeing up $4.2B in operational capital for redeployment.

A global manufacturer with subsidiaries in 40+ countries used smart contracts to automate intercompany netting and settlement.

• The Pain Point: Monthly reconciliation took 15+ person-days, was error-prone, and created costly intra-group FX fees.
• The Blockchain Fix: Self-executing netting contracts triggered by ERP system events, with immutable audit trails.
• Quantified Result: 90% faster reconciliation, ~$1.8M annual savings in bank fees and manual labor, and real-time liquidity visibility.

A high-volume payment gateway handling 50+ currencies adopted a blockchain netting engine to optimize its nostro account management.

• The Pain Point: High liquidity buffers held in multiple correspondent banks, leading to significant idle capital and complex reconciliation.
• The Blockchain Fix: A single source of truth for all currency positions, enabling automated, near-real-time netting instructions.
• Quantified Result: 60% decrease in required nostro liquidity, sub-2-minute netting cycles (vs. end-of-day), and eliminated reconciliation disputes.

A financial services group implemented blockchain netting to meet stringent regulatory reporting requirements across jurisdictions.

• The Pain Point: Fragmented data across legacy systems made audit trails for cross-border transactions costly and time-consuming to produce.
• The Blockchain Fix: An immutable, timestamped ledger providing a complete, tamper-evident history of all netting calculations and settlements.
• Quantified Result: Audit preparation time cut by 80%, providing regulators with direct, read-only access to verified data, significantly reducing compliance overhead.