Dynamic In-House Banking Ledger

Manual reconciliation of internal accounts across subsidiaries, departments, and ERP systems is a major cost center. A permissioned blockchain ledger provides a single, immutable record for all internal transactions, from intercompany loans to cost allocations.

• Real Example: A multinational reduced its month-end close from 14 days to 3 days by automating reconciliation of 1000+ daily internal transactions.
• ROI Driver: Direct labor cost savings of 60-80% in finance ops, plus reduced error-related write-offs.

Gain real-time, programmatic control over internal liquidity. Set automated rules for intra-group settlements, cash pooling, and FX netting directly on the ledger.

• Use Case: Automatically sweep excess balances from subsidiary wallets into a central treasury pool at EOD, with immutable audit logs.
• Business Value: Optimizes working capital, reduces external borrowing, and provides CFOs with a live dashboard of global cash positions.

Every transaction is cryptographically signed, time-stamped, and linked in an unbreakable chain. This creates an immutable audit trail that satisfies internal audit, SOX, and financial regulators.

• Key Feature: Provide auditors with read-only access to the entire transaction history, eliminating manual evidence gathering.
• Compliance Benefit: Dramatically reduces the cost and time of financial audits while providing superior proof of controls and transaction integrity.

Unlock programmable finance within your enterprise. The ledger acts as a secure platform for tokenized internal assets, smart contract-based incentives, and seamless integration with external DeFi or trade finance networks.

• Real-World Example: A manufacturing firm tokenizes internal carbon credits, allowing subsidiaries to trade allowances on the in-house ledger to meet sustainability targets.
• Strategic Advantage: Creates a future-proof infrastructure for innovation in supply chain finance, loyalty programs, and partner ecosystems.

Execute transactions with atomic settlement: value and asset transfer occur simultaneously in a single, irreversible step. This eliminates the settlement lag and credit risk inherent in traditional netting systems.

• Pain Point Solved: No more waiting days for inter-subsidiary payments to clear or managing intra-group receivables risk.
• Financial Control: Treasury gains certainty over cash flows, improving forecasting accuracy and reducing the need for precautionary liquidity buffers.

Built for the enterprise reality. Our solution connects to your existing ERP (SAP, Oracle), TMS, and accounting software via robust APIs. The blockchain ledger acts as a synchronized middleware layer, not a rip-and-replace project.

• Implementation Path: Phased rollout, starting with a high-volume pain point like intercompany transactions, without disrupting core systems.
• CIO Benefit: Achieves transformation with lower risk, leveraging existing IT investments while building a modern financial infrastructure.

The Pain Point: Manual journal entries between Treasury, Procurement, and regional subsidiaries are slow, error-prone, and lack real-time visibility, leading to month-end reconciliation headaches.

The Blockchain Fix: A shared ledger automates internal settlements with immutable, timestamped transactions. Departments see a single version of truth, enabling:

• Real-time balance visibility across all internal accounts
• Automated audit trails that reduce reconciliation time by over 70%
• Example: A global manufacturer eliminated 3 FTE roles dedicated to internal reconciliation by implementing a permissioned ledger for inter-company charges.

The Pain Point: Disconnected systems between card issuers, expense platforms, and the GL create a lag in reporting, fraud detection, and policy enforcement.

The Blockchain Fix: Each corporate card transaction is written as a smart contract event to the ledger, triggering immediate policy checks and GL coding.

• Instant policy compliance (e.g., block non-compliant vendors)
• Real-time fraud alerts based on immutable transaction patterns
• Automated accruals and department-level reporting
• ROI Driver: One financial services firm reduced expense report processing costs by 40% and cut fraudulent claims by 25% in the first year.

The Pain Point: Managing internal FX rates and currency positions across entities relies on spreadsheets and manual updates, creating risk and operational lag.

The Blockchain Fix: A smart contract-managed FX ledger automatically applies pre-approved internal rates to all cross-currency transactions, creating a transparent, auditable record.

• Eliminate manual rate setting and associated errors
• Real-time currency exposure dashboard for Treasury
• Immutable audit trail for internal transfer pricing compliance
• Example: A tech multinational standardized internal FX across 50+ subsidiaries, reducing quarterly closing time by 5 days and minimizing currency-related accounting adjustments.

The Pain Point: Budget owners lack real-time visibility into committed vs. spent funds, leading to overspending and cumbersome manual tracking via emails and spreadsheets.

The Blockchain Fix: Budgets are encoded as smart contract allowances on the ledger. Every purchase order, invoice, or internal transfer automatically deducts from the relevant budget pool in real-time.

• Real-time budget visibility for all stakeholders
• Prevent overspending with automated hard stops
• Streamlined forecasting with a complete, tamper-proof spend history
• ROI Driver: A retail chain implemented this for marketing budgets, reducing overspend by 15% and cutting monthly budget review meetings by half.

The Pain Point: External and internal audits are costly and time-consuming, requiring teams to manually gather and verify transaction data from disparate systems.

The Blockchain Fix: The ledger provides a cryptographically sealed, chronological record of all internal financial movements, accessible to auditors via permissioned views.

• Drastically reduce audit preparation time (from weeks to hours)
• Provide irrefutable proof of transaction integrity and approvals
• Simplify compliance with regulations like SOX through automated control logging
• Example: A pharmaceutical company reduced its internal audit cycle time by 60% by providing auditors with direct, read-only access to their blockchain ledger.

The Pain Point: Integrating or separating financial systems during mergers, acquisitions, or divestitures is a complex, high-risk, and expensive multi-year project.

The Blockchain Fix: Use the ledger as a neutral, transitional financial spine. Entity financials can be logically segregated or merged on the same infrastructure without physical system migration.

• Accelerate integration timelines from years to months
• Reduce integration costs by up to 50% by avoiding legacy system merges
• Clean, verifiable financial history for divested entities
• Real-World Application: A private equity firm uses a blockchain ledger to hold the financials of portfolio companies, enabling rapid consolidation and simplified exits.

Eliminate the monthly reconciliation nightmare. A shared, permissioned ledger creates a single source of truth for all internal entities, from subsidiaries to regional branches.

• Real-time settlement of internal transfers and fees.
• Audit trail automatically generated for every transaction, slashing audit preparation time by up to 70%.
• Example: A global bank uses a private Ethereum-based ledger to reconcile cross-border intercompany loans, reducing a 15-day monthly process to near-instantaneous validation.

Transform static loyalty programs into dynamic financial assets. A private ledger allows points to be issued, transferred, redeemed, and even exchanged between different programs or partners.

• Increased customer engagement through flexible point utility.
• New revenue stream by monetizing points as a tradable asset on secondary markets.
• Reduced liability through precise, real-time tracking of issued points.
• Example: Singapore Airlines' KrisFlyer program has explored blockchain to allow frequent flyer miles to be used across a broader partner ecosystem.