Real-Time Global Cash Visibility

The Pain Point: Manual reconciliation across bank statements, ERP systems, and internal ledgers can take days, creating a 72-hour blind spot. Discrepancies are costly to investigate.

The Blockchain Fix: All transactions are recorded on a shared, immutable ledger accessible to all permissioned parties (your subsidiaries, banks). This creates a single source of truth, reducing reconciliation from days to minutes. Example: A multinational reduced its inter-company settlement reconciliation from 5 business days to near real-time, freeing up 2 FTE for strategic analysis.

The Pain Point: Idle cash sits in one subsidiary while another pays high interest on short-term loans due to poor visibility.

The Blockchain Fix: With real-time, global cash positioning, treasury can perform in-house netting and optimize internal funding. This reduces dependency on external credit lines and banking fees.

• Quantifiable ROI: Companies have reported a 15-25% reduction in short-term borrowing by leveraging internal liquidity pools.
• Enables dynamic investment of surplus funds, improving yield on cash.

The Pain Point: SOX and internal audit compliance is manual, error-prone, and relies on sampling. Proving the provenance of funds is difficult.

The Blockchain Fix: Every transaction carries an immutable, timestamped audit trail with full provenance. Auditors can be granted read-only access to verify transactions in real-time, shifting from periodic audits to continuous assurance.

• Example: A financial institution cut its audit preparation time by 40% by providing auditors with direct, secure access to the transaction ledger.

The Pain Point: Traditional systems are vulnerable to internal fraud, duplicate payments, and manipulation. Verifying the authenticity of a payment instruction is slow.

The Blockchain Fix: Smart contracts automate payment rules and multi-signature approvals. Payments execute only when pre-defined conditions (amounts, parties, FX rates) are met on the ledger.

• Key Benefit: Eliminates the risk of falsified payment files or unauthorized transactions.
• Provides real-time visibility into exposure to any single counterparty or bank.

The Pain Point: The month-end close is a frantic, manual process of aggregating data from disparate systems, delaying strategic reporting.

The Blockchain Fix: The ledger provides a continuously reconciled, sub-ledger for cash. Balances are always current, turning the close process into a simple verification rather than a data aggregation exercise.

• Result: Treasury can provide certified cash positions to the corporate finance team daily, enabling the accounting close to be completed 2-3 days faster.

The Pain Point: Managing currency exposure is reactive due to delayed visibility into cash flows across borders, leading to unfavorable FX conversions.

The Blockchain Fix: Real-time tracking of multi-currency cash flows allows treasury to execute FX hedges and conversions at optimal moments.

• Strategic Control: Set smart contract rules to automatically convert balances above a threshold at pre-defined rates.
• Example: A global retailer reduced its FX transaction costs by 18% by consolidating exposures and executing larger, more strategic hedges.

Turn trapped cash into working capital. With second-by-second balance visibility across all entities and currencies, treasury can dynamically pool funds and execute internal netting.

• Example: A multinational using a permissioned blockchain network reduced its foreign currency hedging costs by 25% and improved its cash conversion cycle by 3 days.
• ROI Driver: Reduced borrowing costs, improved interest income, and lower FX fees.

Streamline internal and regulatory audits with a tamper-proof transaction log. Every payment, transfer, and adjustment is timestamped, signed, and linked, providing an immutable chain of custody.

• Example: A financial institution cut its audit preparation time for cash transactions from weeks to hours, providing auditors with direct, read-only access to the verified ledger.
• ROI Driver: Drastic reduction in audit preparation costs and compliance risk.

Enforce policy automatically with smart contracts. Set rules for approvals, currency exposure limits, or counterparty risk that execute without manual intervention.

• Example: A corporation automated its intercompany loan process, with smart contracts ensuring compliance with transfer pricing rules and automatically generating journal entries into its ERP.
• ROI Driver: Reduced operational risk, ensured policy compliance, and automated back-office tasks.