Cross-Company Process Automation for Banking & Digital Asset Custody

Unlock working capital trapped in invoices and purchase orders. A shared ledger automates invoice validation, payment triggers, and financing eligibility, reducing disputes and accelerating cash flow.

• Example: A manufacturer automates payments upon IoT sensor-confirmed delivery, cutting invoice processing from 45 days to near-instant.
• ROI: Reduce Days Sales Outstanding (DSO) by 30-50% and lower financing costs through transparent audit trails for lenders.

Streamline international trade by digitizing bills of lading, letters of credit, and customs documentation on a shared ledger. All parties—shipper, carrier, port, customs, bank—access synchronized, real-time data.

• The Pain Point: Paper-based processes cause delays, fraud, and high costs. The Blockchain Fix: A single, immutable digital document reduces clearance times from weeks to days.
• ROI: Cut document processing costs by 50% and reduce cargo dwell time by 30%, accelerating revenue recognition.

Before: Manual paperwork, delayed payments, and costly disputes over shipment authenticity and condition. After: Smart contracts automate payments upon IoT sensor verification of delivery, while an immutable ledger tracks every custody transfer.

• Example: Walmart's Food Traceability Initiative reduced mango trace-back time from 7 days to 2.2 seconds.
• ROI: Up to 30% reduction in administrative costs, faster invoice settlement, and elimination of counterfeit goods.

Before: A 5-10 day process involving banks, carriers, and inspectors, with paper documents prone to fraud. After: A shared blockchain platform digitizes bills of lading and automates payments via smart contracts when pre-agreed conditions are met.

• Example: Marco Polo Network (TradeIX, R3) enables real-time, risk-mitigated trade financing.
• ROI: Reduces processing time by over 80%, cuts operational costs by 50%, and minimizes fraud risk.

Before: Multi-day settlement through correspondent banks, high FX fees, and lack of transparency. After: Enterprise blockchains or regulated stablecoins enable direct P2P settlement 24/7 on a shared ledger.

• Example: J.P. Morgan's JPM Coin provides instantaneous settlement for institutional clients.
• ROI: Near-instant settlement, up to 80% lower transaction costs, and real-time audit trails for compliance.

Before: Lengthy manual verification between insurers, reinsurers, and third-party adjusters, leading to slow payouts. After: Parametric insurance smart contracts auto-execute payouts based on verified external data oracles (e.g., weather data, flight status).

• Example: AXA's Fizzy offers automated flight delay insurance.
• ROI: Claims processing time reduced from weeks to minutes, with significant reduction in administrative overhead and fraud.

Automates the three-way match (PO, shipment, invoice) across buyers, suppliers, and logistics providers. A shared ledger provides a single source of truth, triggering automated payments upon verified delivery. This eliminates invoice disputes and reduces settlement from weeks to minutes.

• Real Example: Maersk & IBM's TradeLens platform reduced documentation processing by 40%.
• ROI Driver: Cuts administrative costs by up to 15% and improves working capital.

Replaces paper-based Letters of Credit (LCs) with smart contract-based digital guarantees. All parties—exporter, importer, and their banks—interact on a permissioned network, automating document verification and fund release.

• Real Example: Marco Polo Network, used by banks like BNP Paribas, has processed billions in transactions, reducing LC processing from 5-10 days to under 24 hours.
• ROI Driver: Drastically reduces fraud risk and frees up billions in trapped liquidity.

Connects insurers, reinsurers, and third-party assessors on a shared platform. IoT sensor data (e.g., from shipping containers or machinery) feeds into smart contracts that automatically validate and pay claims against pre-defined policies.

• Real Example: AXA's Fizzy used Ethereum to offer flight delay insurance with automatic payouts, eliminating claims forms.
• ROI Driver: Reduces claims processing cost by over 50% and dramatically improves customer satisfaction.

Provides an immutable, end-to-end record for Environmental, Social, and Governance (ESG) compliance. Data from suppliers (carbon, labor practices) is cryptographically verified, automating audit trails for regulators and consumers.

• Real Example: IBM Food Trust is used by Walmart to trace food provenance in seconds, not days, enhancing safety and sustainability reporting.
• ROI Driver: Reduces audit preparation costs and protects brand value by providing proof of claims.