Business Use Cases
🏢 Business Use Cases
Promise to the enterprise: Universal asset in, exact-fiat ou, audit trails, and sub-30-second finality.
1 · Cross-Border Supplier Payments & Treasury FX Netting
Scenario A US electronics brand owes ¥32 million to three Shenzhen suppliers. Instead of wiring USD → CNH through correspondent banks, the treasury desk settles in USDC, while each supplier auto-receives CNH-pegged stablecoins. Pepay:
Merchants runs supplier KYC / sanctions screening on-chain.
Executes atomic swaps on DEX liquidity, locking FX at time of send.
Writes a hash-linked settlement record (ISO-20022 payload) for auditors.
Why It Matters
T+0 finality, vs. 2-3 business-day wires.
50-80 bp cheaper than SWIFT FX margin.
Immutable audit log → SOX & IFRS compliant.
2 · KYC-Enforced Global Payroll
Scenario A 1 200-person remote workforce spans 34 countries. Pepay’s payroll API:
Accepts a single USD ledger from SAP SuccessFactors.
Performs geo-fenced KYC/AML per employee.
Multi-sends local-currency stables (BRL-c, GBP-g, PHP-p) in one batch.
Returns a reconciled journal entry in USD1 for the ERP.
Why It Matters
Eliminates 3rd-party pay agents and middle-office FX fees.
Employees receive funds in minutes, not days.
Company books a single fiat expense line for clean accounting.
3 · Chain-of-Custody Trade Finance & Invoice Factoring
Scenario A logistics firm tokenises $5 M of freight invoices as NFTs. Institutional buyers purchase the receivables in WBTC; Pepay:
Escrows buyer funds until IoT oracle confirms cargo arrival.
Executes swap → pays originator in USD1.
Logs a notarised PDF + tx hash into the ERP’s document store.
Why It Matters
Cuts invoice discounting time from 30 d to < 24 h.
Removes double-financing risk via on-chain provenance.
Provides banks an immutable trail for Basel III compliance.
4 · Carbon-Credit Settlement & ESG Reporting
Scenario A Fortune 500 pledges net-zero. It buys tokenised carbon credits from five registries across three chains. Pepay:
Screens sellers via KYB & Verra certificate hashes.
Swaps the buyer’s treasury USDC into registry-specific tokens.
Burns credits on-chain and exports a Form 8936-ready CSV.
Why It Matters
One-click compliance with SEC Scope-3 disclosure rules.
Eliminates brokerage middlemen and registry lock-in.
Real-time dashboard proves retirement to shareholders.
5 · Rebate & Loyalty Settlement for Multinational Retail
Scenario Walmart issues WalmartUSD stable-coin rebates. A franchisee in Mexico wants pesos; a supplier in India wants USDT. Pepay routes every claim:
Verifies CIP/KYC of claimant.
Converts loyalty token → local-currency stable → claimant wallet.
Pushes settlement data to Oracle NetSuite for tax reporting.
Why It Matters
Global, instant redemption with no FX spread.
Reduces loyalty liability on corporate balance sheet in real time.
In-house finance teams keep GAAP-grade records automatically.
6 · High-Value B2B Escrow with Multi-Sig Governance
Scenario Two Fortune 100s execute a $75 M IP licensing deal. Terms require staged payments tied to patent-office milestones. Pepay:
Creates a multi-sig escrow (双方 + neutral arbiter).
Releases tranches automatically when Chainlink attests milestone IDs.
Provides board-level PDF statements signed by a Big 4 audit plug-in.
Why It Matters
Removes irrevocable letter-of-credit costs (~1 % face value).
Transparent milestone tracking lowers counterparty risk.
Satisfies internal audit & SEC material-contract tracing.
Enterprise takeaway: With Pepay, any asset—future AmazonUSD, a regional CBDC, or today’s meme coin—can settle into the precise fiat figure your ledger demands, wrapped in KYC, AML, and audit layers your CFO and regulators will love.
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