Real-Time Settlement Risk Dashboard

Replace the traditional 'delivery vs. payment' (DvP) lag with atomic settlement, where asset and payment transfer occur simultaneously in a single, irreversible transaction. This eliminates the critical window where one party has fulfilled their obligation but is still exposed to the other's default.

• Example: In securities trading, a buyer's cash and a seller's shares are swapped instantly, removing the 2-day (T+2) settlement risk entirely.
• Impact: Reduces capital reserves held against potential defaults and lowers credit risk premiums.

Manual reconciliation of trades across multiple ledgers is a major cost center and error source. A shared, immutable ledger provides a single source of truth, auto-reconciling transactions in real-time.

• Saves 60-80% of operational costs associated with trade breaks and dispute resolution.
• Creates a tamper-proof audit trail for regulators, reducing compliance overhead and audit preparation time from weeks to minutes.
• Real Example: Australian Securities Exchange (ASX) is replacing its CHESS system with blockchain to achieve this exact benefit.

Unlock trapped capital by accelerating settlement cycles from days to seconds. Faster settlement means faster reuse of assets.

• Quantifiable ROI: A firm with $10B in daily settlements freeing capital 2 days earlier can save millions annually in financing costs.
• Enables intraday margining and collateral management, optimizing balance sheet usage.
• Provides a live view of net exposure across all counterparties, enabling dynamic hedging and risk decisioning.

Transform regulatory reporting from a batch-processed burden to a continuous, transparent feed. Smart contracts can be programmed to auto-enforce compliance rules (e.g., trade limits, KYC flags) at the transaction level.

• Dramatically reduces the risk of regulatory fines for reporting errors or delays.
• Enables RegTech integration, allowing regulators selective, permissioned access to verify transactions without manual data requests.
• Example: The Monetary Authority of Singapore's Project Ubin demonstrated real-time gross settlement with embedded compliance.

The infrastructure for real-time settlement is the foundation for launching new, high-margin services.

• Enable 24/7/365 trading for digital assets, tokenized securities, or cross-border payments.
• Create programmable finance products with embedded logic (e.g., auto-paying invoices upon delivery confirmation).
• First-mover benefit: Firms that master this infrastructure can offer superior client experiences and capture market share in the evolving digital economy.

A transparent, real-time dashboard provides system-wide visibility that individual firms lack. By monitoring settlement flows and exposures across the network, participants and regulators can identify contagion risks early.

• Helps prevent the kind of domino-effect failures seen in past financial crises.
• Enables stress testing with live data rather than historical snapshots.
• Industry Benefit: Strengthens the resilience of the entire financial ecosystem, a key concern for central banks and systemic risk committees.

Traditional T+2 settlement creates counterparty risk and ties up capital. A blockchain-based system enables atomic settlement (Delivery vs. Payment), finalizing trades in seconds instead of days. This reduces capital requirements for margin and frees billions in liquidity.

• Real Example: J.P. Morgan's Onyx Digital Assets settles intraday repo transactions, compressing settlement from days to minutes.
• ROI Driver: Reduces capital reserves by up to 40% and operational costs by eliminating reconciliation.

Manual, paper-based processes for trade finance are slow, error-prone, and susceptible to fraud. A shared blockchain ledger creates a single source of truth for all parties (importer, exporter, banks, shippers). Smart contracts automate document verification and payment upon fulfillment of conditions.

• Real Example: Marco Polo Network, used by banks like Commerzbank, automates trade finance workflows, cutting processing time from 5-10 days to under 24 hours.
• ROI Driver: Reduces processing costs by 50-80% and significantly decreases fraud and discrepancy rates.

Global payments rely on a chain of correspondent banks, leading to high fees (3-5%), delays (2-5 days), and lack of transparency. Enterprise blockchain networks enable direct peer-to-peer value transfer using stablecoins or tokenized deposits, operating 24/7.

• Real Example: Visa B2B Connect uses a blockchain-inspired protocol to facilitate direct bank-to-bank international payments, bypassing intermediaries.
• ROI Driver: Reduces transaction costs by ~60%, improves cash flow predictability, and provides real-time payment tracking.

Post-trade processes in capital markets are fragmented across custodians, clearinghouses, and depositories. Distributed Ledger Technology (DLT) creates a unified record-keeping system, enabling straight-through processing and real-time collateral management. This reduces systemic risk and operational overhead.

• Real Example: The Australian Securities Exchange (ASX) is replacing its CHESS clearing system with a DLT-based solution to modernize equity post-trade services.
• ROI Driver: Projected to reduce back-office costs by over 30% and lower systemic risk through real-time visibility.