Immutable Global AP Audit Trail

Eliminate the manual, time-consuming process of gathering and verifying transaction evidence for internal and external audits. With an immutable ledger, auditors can verify the entire AP lifecycle in minutes, not weeks. This reduces audit preparation costs by up to 70% and provides continuous, real-time compliance for regulations like SOX and GDPR.

• Example: A global manufacturer reduced its annual external audit fees by $500k after implementing a blockchain audit trail, as evidence collection was automated and instantly verifiable.

Create a shared, indisputable record of every invoice, payment term, and approval. This single source of truth prevents duplicate payments, resolves invoice discrepancies instantly, and deters fraud. Smart contracts can automate payments only upon verified delivery, as seen in supply chain finance.

• Example: A retail consortium using a shared ledger reduced invoice reconciliation time from 14 days to 2 hours and cut payment disputes by over 90%, improving vendor relationships and working capital.

End the monthly scramble to match payments, invoices, and purchase orders across disparate ERP systems. A synchronized ledger automates three-way matching, providing real-time visibility into liabilities. This accelerates the financial close process from days to hours and improves cash flow forecasting accuracy.

• Key Benefit: Finance teams can reallocate 20-30% of FTEs from manual reconciliation to higher-value analysis and strategic activities, delivering direct operational ROI.

Provide lenders and supply chain finance partners with a transparent, real-time view of your verified payables. This provable financial health allows you to secure better financing rates and capitalize on early payment discounts from vendors with confidence.

• Real-World Impact: Companies using platforms like Marco Polo or we.trade have improved their working capital position by dynamically financing approved invoices, often accessing capital at rates 1-2% lower than traditional factoring.

For multinationals, managing cross-border payments and compliance is a labyrinth. A permissioned blockchain creates a global audit trail that is consistent across jurisdictions, simplifying tax reporting (VAT/GST) and proving provenance for ESG and customs compliance.

• Example: An automotive company tracks parts and payments from 50+ suppliers on a shared ledger, reducing customs clearance delays by 40% and providing auditable proof of ethical sourcing.

Position your treasury to seamlessly handle tokenized invoices, stablecoin payments, and CBDCs. The immutable audit trail is the foundational layer for this transition, ensuring compliance and control as digital assets become mainstream in B2B payments.

• Strategic Advantage: Early adopters are already piloting programs with JPMorgan's JPM Coin and other bank-led initiatives, gaining efficiency in 24/7 instant settlement and reducing FX friction.

Eliminate reconciliation nightmares and audit preparation costs. A shared, immutable ledger creates a single source of truth for invoices, approvals, and payments across all entities and ERP systems.

• Automated Compliance: Every transaction is cryptographically sealed, providing an irrefutable audit trail for SOX, GDPR, and internal controls.
• Real-World Example: Walmart uses blockchain to track invoices with its 70,000+ global suppliers, reducing dispute resolution from weeks to hours and cutting costs significantly.
• ROI Driver: Slashes external audit fees and internal labor spent on manual reconciliation and evidence gathering.

Unlock working capital trapped in lengthy payment terms. Smart contracts automatically trigger invoice financing and payments upon verification of predefined milestones (e.g., GPS delivery confirmation).

• Faster Payments & Discounts: Suppliers get paid early via decentralized finance (DeFi) pools, while buyers preserve cash flow and capture dynamic discounting opportunities.
• Real-World Example: Marco Polo Network (TradeIX, R3) enables platforms where banks provide financing based on verifiable, real-time trade data, reducing risk and administrative overhead.
• ROI Driver: Improves DPO/DSO metrics and generates new revenue from financial services.

Bypass correspondent banking delays and high FX fees. Enterprise blockchain protocols enable direct, peer-to-peer settlement of currencies and digital assets 24/7.

• Cost & Speed: Reduces transaction costs by up to 80% compared to traditional SWIFT wires and settles in seconds versus days.
• Real-World Example: J.P. Morgan's JPM Coin is used by large corporate clients for instantaneous, blockchain-based transfers between institutional accounts.
• ROI Driver: Direct savings on transaction fees, improved liquidity management, and elimination of pre-funding accounts.

Turn illiquid assets (real estate, IP, carbon credits) into tradable digital securities and prove ethical sourcing. Tokenization creates fractional ownership on a regulated ledger.

• New Markets & Liquidity: Opens assets to a global investor base and enables 24/7 trading, increasing capital efficiency.
• Real-World Example: The Australian Securities Exchange (ASX) is replacing its CHESS settlement system with a blockchain-based alternative to reduce clearing and settlement costs and risks.
• ROI Driver: Unlocks new revenue streams, reduces custodial fees, and provides marketing premium for verifiable provenance (e.g., conflict-free minerals).

Streamline onboarding and slash compliance costs. A self-sovereign identity protocol allows customers to own and share verified credentials (e.g., passport, accreditation) once, reusable across any partner.

• Frictionless Compliance: Institutions can verify identity in seconds with cryptographically assured validity, reducing manual checks.
• Real-World Example: The Sovrin Network provides a global framework for verifiable credentials, used by banks and governments to reduce identity fraud.
• ROI Driver: Cuts customer acquisition cost (CAC), reduces compliance team headcount, and minimizes regulatory fines from faulty KYC.

Automate complex, multi-party procurement agreements to prevent leakage and ensure compliance. Conditional logic in smart contracts enforces SLAs, milestone payments, and penalty clauses.

• Enforce Agreements Automatically: Payments are released only upon objective, on-chain verification of delivery or performance data (IoT integration).
• Real-World Example: Bosch uses blockchain to automate procurement processes with its component suppliers, ensuring timely delivery and automatic payment upon quality confirmation.
• ROI Driver: Eliminates manual contract administration, reduces procurement fraud, and ensures optimal vendor performance.