LC Syndication Management Platform

The single, immutable ledger ensures all participating banks see the same data in real-time. This eliminates the costly back-office reconciliation of faxes, emails, and SWIFT messages, reducing operational overhead by up to 65%.

• Example: A $100M syndicated LC with 5 banks can generate over 200 manual data touchpoints. Our platform reduces this to a single, synchronized digital record, cutting processing time from weeks to days.

Smart contracts encode KYC/AML rules and syndication terms, automatically verifying compliance at each step. Every action is timestamped and cryptographically signed, creating a permanent, regulator-ready audit trail.

• Benefit: Drastically reduces manual screening time and provides instant proof of compliance for internal audits and regulators like the OCC or ECB, potentially saving millions in annual compliance costs.

Automate the entire post-issuance lifecycle. Programmable workflows trigger payments, fee calculations, and profit-sharing among syndicate members instantly upon fulfillment of LC conditions, replacing manual invoicing and settlement that can take 30+ days.

• ROI Impact: Improves capital efficiency for all banks and enhances client satisfaction through faster beneficiary payouts. Reduces settlement disputes to near zero.

Blockchain's cryptographic security and transparency make document forgery and double-financing virtually impossible. Each document version and approval is immutably recorded, providing clear attribution and reducing liability.

• Real-World Pain Point: Prevents losses from fraudulent presentations or discrepancies, a multi-billion dollar annual problem in trade finance. Provides banks with unparalleled transaction integrity.

Facilitate onboarding of new participants or transfer of risk participations seamlessly during the LC's lifecycle. The transparent ledger allows for trusted due diligence, while automated smart contracts manage the legal and financial transfer of obligations.

• Business Value: Unlocks new revenue streams through a secondary market for trade assets and increases liquidity, making syndication a more flexible and attractive product.

The platform is built for the future of finance. It can natively integrate with Central Bank Digital Currencies (CBDCs) and tokenized assets, enabling instant, programmable payments and collateral management.

• Strategic Advantage: Positions your bank at the forefront of digital trade finance, ready to leverage new efficiency gains as global monetary systems evolve.

Before: A typical syndicated loan deal involves 15+ parties manually exchanging hundreds of documents via email and fax. Finalizing the credit agreement and transferring funds can take 4-6 weeks, with constant status calls and reconciliation errors.

After: A permissioned blockchain ledger creates a single, immutable record of the loan agreement. Smart contracts automate covenant checks, approval workflows, and fund disbursement upon fulfillment of conditions precedent. Deal execution is reduced to minutes or hours, accelerating time-to-funding and improving capital efficiency.

Before: Each participant (lead arranger, agent bank, lenders) maintains separate, siloed records. Monthly interest calculations, principal payments, and fee allocations require days of manual reconciliation, creating operational risk and audit headaches. Disputes over payment amounts are common.

After: All transactions—drawdowns, payments, fee allocations—are recorded on-chain as immutable, shared events. Every party sees the same data in real-time. Smart contracts calculate and execute payments autonomously, providing a perfect, tamper-proof audit trail. This reduces operational costs by an estimated 30-50% and eliminates reconciliation disputes.

Before: Secondary trading of loan participations is opaque and slow. Potential buyers struggle to verify the current loan status, covenant compliance, and payment history, relying on stale agent bank reports. This lack of transparency suppresses liquidity and increases due diligence costs.

After: A blockchain platform provides real-time, permissioned visibility into the loan's performance. Potential secondary market participants can cryptographically verify the entire payment history and covenant status on-chain. This transparency builds trust, reduces due diligence time from weeks to hours, and unlocks deeper liquidity pools for institutional lenders.

Before: Monitoring financial covenants requires the borrower to submit periodic certificates, which the agent bank manually verifies—a process prone to delays and human error. Breaches can go unnoticed for weeks, increasing risk for lenders.

After: Oracles can feed verified financial data (e.g., from an ERP system) directly to on-chain smart contracts. Covenants are programmed as code and monitored in real-time. A potential breach triggers an immediate, automated alert to all relevant parties, enabling proactive management. This transforms compliance from a periodic audit to a continuous, transparent process.

The Pain Point: Manual KYC/AML checks and fragmented document tracking create delays and audit nightmares.

The Blockchain Fix: A single, immutable ledger for all participant credentials and document versions. Smart contracts automate compliance checks, granting instant access upon verification.

• Real Example: A European bank consortium reduced onboarding time for syndicate members from 3 weeks to under 48 hours.
• ROI Driver: Eliminates manual review labor and reduces compliance penalties.

The Pain Point: Multi-day settlement cycles with nostro/vostro accounts tie up capital and introduce counterparty risk.

The Blockchain Fix: Atomic settlements using digital assets or tokenized cash. Payments, collateral, and fee distributions execute simultaneously when contract conditions are met.

• Real Example: A major Asian bank pilot for cross-border syndications cut settlement time from T+3 to T+0 (real-time).
• ROI Driver: Frees up billions in trapped capital and eliminates reconciliation costs.

The Pain Point: Opaque, manual calculations for agent fees, interest payments, and waterfall distributions lead to disputes and delayed payments.

The Blockchain Fix: Transparent smart contracts encode the entire fee and payment waterfall. All parties see calculations in real-time, and distributions are automated.

• Real Example: A US-based asset manager eliminated quarterly reconciliation disputes across a 12-bank syndicate, ensuring all parties were paid correctly on the due date.
• ROI Driver: Reduces operational overhead and strengthens partner trust.