Digital Trade Finance with Tokenised Payments
This use case demonstrates programmable trade payments using tokenised stablecoins linked to digital document exchange - creating trusted, end-to-end settlement flows.
Outcomes
4x
Faster Settlement Cycles
70%
Reduction in Manual Reconciliations
3x
End-To-End Transaction Improvement
$100k
Average PoC Cost Saving Per Vendor
Technology Vendors Suited to Evaluation
Business Problem
Global trade still runs on paper, manual approvals, and siloed systems. Payments often lag behind document exchange by days or weeks, creating liquidity bottlenecks and operational risk.
Banks struggle to synchronise settlement with proof of delivery, while corporates face uncertainty around when funds will actually move. This friction slows down trade cycles, increases counterparty risk, and ties up working capital across supply chains.
Challenges
- Manual document verification and payment approvals delaying settlements
- Limited visibility between trade participants and counterparties
- High reconciliation overheads across multiple systems and banks
- Lack of programmable triggers linking delivery and payment events
- Fragmented compliance and data-sharing between jurisdictions
From Idea to Evidence with NayaOne
In NayaOne’s sandbox, teams simulated a fully automated trade finance transaction – from document transfer to payment – using synthetic stablecoins and smart contracts. The sandbox enabled banks and vendors to safely test programmable payment logic and settlement automation without using live funds.
Key testing activities included:
- Defining programmable settlement conditions via smart contracts
- Simulating end-to-end trade document exchange and automated payment release
- Using synthetic stablecoins (e.g. USDC) for settlement on testnet infrastructure
- Monitoring transaction timing, accuracy, and reconciliation within NayaOne’s sandbox environment
Impact Metrics
PoC Timeline Reduction
6 - 8 weeks with NayaOne vs 6 - 12 months traditionally
Time Saved in Vendor Evaluation
84% faster validation and settlement testing
Decision Quality
Higher confidence in automation feasibility and vendor readiness through measurable test outcomes.
KPIs
- Settlement time reduction: Hours instead of days between document validation and payment release
- Automation rate: % of trade transactions executed end-to-end without manual intervention
- Reconciliation accuracy: Error rate in matching payment and document data across systems
- Cost efficiency: Reduction in operational and processing costs per transaction
- Compliance readiness: Time and accuracy in validating KYT and trade documentation flows
- Programmable trigger reliability: % of successful smart contract executions without failure
Explore How Programmable Payments Can Transform Trade Finance
See how your institution can test end-to-end trade flows with stablecoins, validate automation logic, and build evidence for faster, safer settlements – all within a compliant sandbox environment.
