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Payments TRL TRL 8

Blockchain-Based Cross-Border Payments

domain Client: Southeast Asian Banking Group handshake Provider: Partior schedule Deploy: 18 Months
88 Impact
Enterprise Ready
Evidence Score: 8/10
Strength: Tier 2

Executive Summary

ANALYST: COI RESEARCH

Utilization of a blockchain-based clearing and settlement network to enable programmable, real-time cross-border value transfer.

rate_review Analyst Verdict

"Innovative application of DLT for wholesale banking; network effects are key to long-term viability, but technology is sound."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Traditional cross-border payments via the correspondent banking network (SWIFT) were plagued by inefficiencies, including settlement delays of T+2 days or more, lack of transparency regarding transaction status, and high costs due to multiple intermediaries. This system trapped billions in liquidity in pre-funded nostro accounts and prevented corporate treasurers from managing cash flows in real-time, creating a significant drag on working capital efficiency.

psychology The Solution

The bank co-founded a blockchain-based interbank clearing and settlement network (Partior) utilizing distributed ledger technology (DLT). The platform tokenizes commercial bank money to enable atomic, multi-currency exchange. By utilizing smart contracts, the system automates the clearing and settlement process, allowing for programmable value transfer where funds are only moved when specific conditions are met. This replaces the sequential messaging of correspondent banking with a shared, immutable ledger state.

settings_suggest Technical & Deployment Specs

Integrations
Core Banking, SWIFT Gateway
Deployment Model
Private Permissioned Blockchain
Data Classification
Confidential
Estimated TCO / ROI
Shared network infrastructure cost
POC Summary (2020-06-01 to 2020-12-01)

"USD/SGD settlement pilot."

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Regulatory Uncertainty Medium Sandboxed regulatory engagement
Network Adoption High JV with other major banks

trending_up Impact Trajectory

Audited value realization curve

Settlement in <120 Seconds Verified Outcome
Primary KPI24/7 Availability
Audit CycleAtomic Settlement Finality

policy Compliance & Gov

  • Standards: MAS Payment Services Act
  • Maturity (TRL): TRL 8
  • Evidence Score: 8/10
  • Data Class: Confidential

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 3
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Southeast Asian Banking Group without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-337
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-337

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