Direct Treasury-to-Merchant Transfers

Remove correspondent banks, FX brokers, and payment processors. Direct settlement on a blockchain network reduces fees from a typical 3-5% for cross-border payments to less than 1%.

• Example: A manufacturer paying an overseas supplier $1M saves $20,000-$40,000 per transaction.
• Automated Reconciliation: Smart contracts match invoices to payments, eliminating manual back-office work.

Replace the 2-5 day wait of traditional ACH or wire transfers with near-instant finality. This transforms cash flow and supply chain dynamics.

• Working Capital Efficiency: Suppliers get paid faster, improving your negotiation leverage for early payment discounts.
• Just-in-Time Inventory: Align payments precisely with goods receipt, reducing inventory carrying costs.
• Real Example: Walmart's blockchain pilots reduced dispute resolution from 7 days to 2.2 seconds.

Programmable money via smart contracts enables innovative B2B arrangements that were previously too complex or risky.

• Conditional Payments: Automatically release payment upon IoT sensor confirmation of delivery or quality.
• Dynamic Discounting: Automate early payment discounts based on real-time treasury cash positions.
• Revenue Sharing: Create transparent, automated profit-sharing agreements with channel partners, settling in real-time.
• Example: De Beers' Tracr platform uses blockchain to assure diamond provenance, enabling premium pricing.

Target repetitive, manual payments to thousands of small vendors (e.g., marketing affiliates, freelance contractors, utility providers). Smart contracts automate invoice verification and release funds instantly upon delivery confirmation, eliminating manual reconciliation.

• Real Example: A retail chain reduced its accounts payable processing cost for 5,000+ monthly vendor payments from ~$25 to under $1 per transaction.
• ROI Driver: Slashes administrative overhead, reduces late payment penalties, and improves vendor relationships with predictable, fast settlement.

Eliminate correspondent banking delays and high FX fees for international supplier payments. Use a stablecoin (e.g., USDC) as a settlement rail to transfer value 24/7, with transparent, real-time tracking.

• Real Example: An automotive manufacturer cut its international wire transfer costs from 3-5% in fees and took 3-5 days, to under 0.1% and near-instant finality using a permissioned blockchain network.
• ROI Driver: Unlocks working capital trapped in transit, provides definitive audit trails for compliance, and hedges against currency volatility through programmable execution.

Leverage the immutable ledger to create a trusted, shared record of invoices and purchase orders. This enables innovative financing: offer early payment discounts to key suppliers dynamically, funded directly from treasury, and earn a return superior to short-term cash holdings.

• Real Example: A Fortune 500 CPG company launched a program where suppliers could request early payment for verified invoices on a blockchain platform, improving their own cash flow while the corporation earned a 4-8% annualized return on deployed capital.
• ROI Driver: Transforms treasury from a cost center into a profit center, strengthens the supply chain's financial health, and creates a competitive advantage.

This isn't about public speculation. A permissioned blockchain (like Hyperledger Fabric or Corda) provides the necessary control, privacy, and regulatory compliance. Only vetted participants (your treasury, banks, major suppliers) are allowed access, with encrypted transaction details.

• Key Features:
  • Data Privacy: Transaction details are only visible to direct counterparties.
  • Regulatory Compliance: Built-in audit trails satisfy SOX, anti-money laundering (AML), and other financial controls.
  • Integration: APIs connect seamlessly to existing ERP systems (SAP, Oracle), avoiding a full "rip-and-replace."