Instant Refinancing of Trade Debt via Tokens

Convert approved trade debt into digital tokens for immediate sale to institutional investors. This bypasses traditional 60-90 day payment cycles, injecting cash directly into your operations.

• Real Example: A manufacturing firm tokenized a $5M receivable, accessing funds in 24 hours instead of 90 days, enabling a critical equipment purchase.
• Key Benefit: Predictable liquidity to meet payroll, fund growth, and avoid expensive short-term loans.

Direct access to a competitive secondary market drives down the cost of capital. By disintermediating banks and factoring companies, you capture more value.

• Cost Comparison: Traditional factoring fees range from 1-5% of invoice value plus interest. Tokenization platforms typically charge a flat 0.5-1.5% transaction fee.
• ROI Impact: On a $10M annual refinancing volume, this can translate to $200k+ in direct annual savings.

Every tokenized invoice creates an immutable, timestamped record on a permissioned blockchain. This automates reconciliation and provides a single source of truth for auditors and regulators.

• Automated Provenance: Track the entire lifecycle—issuance, sale, payment—reducing manual effort by ~70%.
• Compliance Ready: Built-in KYC/AML checks and transparent transaction history simplify regulatory reporting for standards like IFRS 9.

Smart contracts enforce payment terms and automatically distribute funds upon settlement. Token ownership is cryptographically verified, eliminating the risk of double-financing or fraudulent claims.

• Risk Reduction: The immutable ledger prevents alteration of invoice details or ownership records.
• Real-World Application: A global retailer uses this to ensure suppliers are paid only upon verified delivery, reducing disputes by over 40%.

Fractionalize large invoices into standardized tokens, making them accessible to a broader range of institutional and accredited investors seeking short-term, yield-generating assets.

• Market Efficiency: Creates a liquid secondary market for trade assets that were previously illiquid.
• Strategic Benefit: Diversifies your funding sources beyond traditional banking relationships, increasing financial resilience.

Our solution connects via APIs to major platforms like SAP, Oracle, and NetSuite. This ensures a seamless workflow—tokenization becomes a natural extension of your accounts receivable process.

• Implementation: Typical integration is completed in 4-8 weeks with minimal disruption.
• Operational ROI: Finance teams manage liquidity programs from familiar interfaces, avoiding costly retraining or parallel systems.

Quantifiable Benefits that build the business case:

• Working Capital Efficiency: Reduce Days Sales Outstanding (DSO) by 30-70% through instant payment options.
• Operational Cost Savings: Cut administrative costs for trade finance operations by 50-80% via automation.
• Risk Reduction: Mitigate fraud and documentary discrepancies, a leading cause of trade disputes.
• New Revenue: Unlock fee income by offering supply chain finance as a service to your ecosystem.

Key Metric: Pilot programs typically show 12-18 month payback periods on technology investment.

A pragmatic, phased approach for CIOs:

1. Pilot a Niche: Start with a closed-loop, domestic supplier program or a specific high-volume product line.
2. Leverage Existing Platforms: Integrate with established enterprise blockchain networks (e.g., Baseline Protocol, Kaleido) to avoid building from scratch.
3. Focus on Interoperability: Ensure your solution can connect with existing ERP (SAP, Oracle) and banking APIs.
4. Governance First: Define clear legal and operational rules for the consortium or network before technology build.

Critical Success Factor: Partner with a bank or financial institution already active in the space.

Traditional invoice factoring takes 30-90 days and involves heavy manual reconciliation. A tokenized debt platform automates verification and settlement on-chain.

• Smart contracts instantly validate invoice authenticity against purchase orders and delivery proofs.
• Suppliers can sell tokenized receivables to a pool of institutional investors within 24 hours, not weeks.
• Real Example: A mid-sized automotive parts supplier reduced its Days Sales Outstanding (DSO) from 65 to 5 days by tokenizing a portion of its receivables, freeing up $12M in trapped working capital for a critical expansion.

Manual reconciliation of payments, discounts, and financing fees across buyers, suppliers, and banks is a major cost center prone to error and fraud.

• An immutable audit trail on the blockchain provides a single source of truth for every transaction, from invoice creation to final settlement.
• Automated compliance (e.g., OFAC checks, KYC) is embedded into the asset tokenization process, reducing manual review.
• Real Example: A European food distributor eliminated 80% of its accounts payable reconciliation headcount and reduced invoice dispute resolution time by 95% after implementing a blockchain-based trade finance ledger with its top 20 suppliers.

Your supply chain's creditworthiness is often limited to a few relationship banks. Tokenization fractionalizes debt, opening it to non-bank institutional investors globally.

• Programmatic risk assessment via on-chain data allows pension funds and asset managers to price risk more accurately than manual underwriting.
• This creates a competitive marketplace for your supply chain's debt, driving down the cost of capital for your suppliers (which improves your own terms).
• Real Example: A large retailer's tokenized supplier finance program attracted capital from Asian insurance funds, reducing the effective financing cost for its suppliers by 2.5% annually compared to traditional bank offers.