Web3 for Supply Chain Finance: Beyond the Hype
Unlock trapped working capital and automate trust across your supply chain.
We build practical, AI-enabled Web3 solutions that deliver measurable ROI, not just buzzwords.
Trusted by Global Leaders and Industry Innovators
Why Errna for Web3 Supply Chain Finance?
Traditional supply chain finance is slow, opaque, and expensive. We build secure, transparent, and efficient Web3 solutions that directly address these pain points, creating tangible value for you and your suppliers.
AI-Enabled Solutions
We don't just build blockchain; we integrate AI for predictive analytics, risk scoring, and intelligent automation. This AI layer transforms your SCF platform from a simple ledger into a strategic decision-making engine.
Enterprise-Grade Security
With CMMI Level 5, SOC 2, and ISO 27001 certifications, we build security into the core of your application. From smart contract audits to penetration testing, we ensure your financial ecosystem is resilient and secure.
Accelerated Time-to-Market
Leverage our pre-built modules and mature development processes to launch your solution faster. Our 2-week paid trial allows you to validate concepts and see tangible progress before committing to a full-scale project.
Global Compliance Expertise
Navigating the regulatory landscape is complex. Our team has deep expertise in KYC/AML, financial regulations, and data privacy laws, ensuring your solution is compliant across jurisdictions.
Proven Partnership Model
We've been a trusted technology partner since 2003, serving over 3000 clients from startups to Fortune 500s. Our 95% client retention rate speaks to our commitment to your long-term success.
Full-Stack In-House Team
We never outsource. Your project is handled by our 1000+ strong team of vetted, in-house experts, ensuring seamless communication, consistent quality, and full accountability from start to finish.
Focus on Tangible ROI
Our goal is to solve real business problems. We focus on use cases that reduce Days Sales Outstanding (DSO), lower financing costs, and unlock liquidity, delivering a clear and measurable return on your investment.
Seamless System Integration
A Web3 solution must coexist with your current systems. We are experts at integrating with existing ERP, accounting, and supply chain management software, ensuring a smooth transition and unified data flow.
End-to-End Lifecycle Support
Our partnership extends beyond launch. We provide ongoing maintenance, 24x7 support, and continuous improvement services to ensure your platform evolves with your business and the technology landscape.
Our Web3 Supply Chain Finance Services
We offer a comprehensive suite of services to design, build, and scale your decentralized supply chain finance ecosystem. Our solutions are tailored to your specific needs, from tokenizing assets to creating fully automated financing marketplaces.
Decentralized Invoice Financing Platforms
Create a marketplace where suppliers can sell their invoices to a pool of investors for immediate cash flow, all governed by transparent smart contracts.
- Automates invoice verification and settlement processes.
- Reduces the cost of capital by creating a competitive financing environment.
- Provides real-time visibility into invoice status for all parties.
Automated Purchase Order (PO) Financing Solutions
Develop systems that allow suppliers to secure financing based on approved purchase orders, enabling them to procure raw materials and fulfill orders without capital constraints.
- Uses smart contracts to trigger funding upon PO verification.
- Links POs, invoices, and payments on an immutable ledger.
- Enhances trust between buyers, suppliers, and financiers.
Dynamic Discounting & Early Payment Systems
Build a platform where buyers can offer early payment to suppliers in exchange for a dynamic discount, optimizing working capital for both parties.
- Algorithmically determines optimal discount rates based on market conditions.
- Automates the offer, acceptance, and payment process.
- Strengthens supplier relationships by providing flexible liquidity options.
Cross-Border Payments & Settlement Solutions
Leverage stablecoins and blockchain rails to execute international trade payments faster, cheaper, and with greater transparency than traditional banking systems.
- Drastically reduces transaction fees and settlement times (from days to minutes).
- Eliminates the need for multiple intermediary banks.
- Provides a single, auditable record of cross-border transactions.
AI-Powered Risk Assessment Engines
Integrate AI and machine learning models to analyze on-chain and off-chain data for real-time credit scoring and fraud detection within your SCF ecosystem.
- Provides dynamic risk assessment of suppliers and invoices.
- Predicts potential defaults or delays, enabling proactive intervention.
- Enhances investor confidence and reduces platform-wide risk.
Invoice & Receivable Tokenization (NFTs)
Convert individual invoices or bundles of receivables into unique, tradable Non-Fungible Tokens (NFTs), creating a liquid secondary market for these assets.
- Unlocks liquidity by making invoices easily transferable and divisible.
- Creates a verifiable, tamper-proof record of ownership.
- Enables fractional ownership, allowing smaller investors to participate.
Inventory Tokenization & Floor Plan Financing
Represent physical inventory as digital tokens on a blockchain, enabling more efficient and transparent floor plan financing for distributors and retailers.
- Provides financiers with real-time visibility into inventory levels and location.
- Automates the release of capital as inventory is sold.
- Reduces the risk of fraud and double-financing.
Bill of Lading (eB/L) Tokenization
Digitize and tokenize bills of lading to create a secure, transferable electronic document of title, streamlining trade finance and logistics operations.
- Prevents fraud and eliminates reliance on physical documents.
- Accelerates title transfer and the release of goods and payments.
- Integrates seamlessly with smart contracts for automated trade execution.
DeFi Integration & Liquidity Pool Development
Connect your SCF platform to the broader Decentralized Finance (DeFi) ecosystem, tapping into global liquidity pools for more competitive financing rates.
- Allows for the creation of dedicated liquidity pools for trade assets.
- Enables yield farming opportunities for liquidity providers.
- Sources capital from a global, decentralized network of investors.
Stablecoin Integration for Settlement
Integrate major fiat-backed stablecoins (like USDC, USDT) as the primary medium of exchange on your platform for stable, efficient, and programmable payments.
- Eliminates the price volatility associated with traditional cryptocurrencies.
- Enables near-instantaneous settlement of transactions.
- Facilitates complex, multi-party payment flows via smart contracts.
Web3 SCF Strategy & Feasibility Consulting
Work with our experts to identify the highest-impact use cases for your business, develop a strategic roadmap, and build a robust business case for Web3 adoption.
- Analyzes your existing supply chain and financial processes.
- Defines clear KPIs and calculates potential ROI.
- Provides a phased implementation plan to mitigate risk and maximize value.
Smart Contract Development & Auditing
Our certified developers write and rigorously audit the smart contracts that power your platform, ensuring they are secure, efficient, and function exactly as intended.
- Develops custom logic for financing, settlement, and governance.
- Conducts comprehensive security audits to identify and eliminate vulnerabilities.
- Optimizes contracts for gas efficiency to reduce transaction costs.
ERP & Legacy System Integration
We specialize in building secure bridges between your blockchain platform and existing enterprise systems (SAP, Oracle, etc.), ensuring seamless data flow and operational continuity.
- Develops custom APIs and middleware for interoperability.
- Ensures data integrity between on-chain and off-chain systems.
- Enables a single source of truth across your entire technology stack.
Governance Model & Tokenomics Design
Design the rules and economic incentives that govern your decentralized ecosystem, ensuring long-term stability, participation, and growth.
- Structures on-chain governance for platform upgrades and parameter changes.
- Designs token models that align incentives for all participants.
- Creates a sustainable economic framework for your platform.
Regulatory Compliance & KYC/AML Integration
Implement robust identity verification and compliance protocols to meet regulatory requirements and build trust with institutional partners and investors.
- Integrates leading KYC/AML solutions for participant onboarding.
- Implements transaction monitoring and reporting tools.
- Ensures your platform adheres to relevant financial regulations.
Real-World Impact: Our Success Stories
We move beyond theory to deliver Web3 solutions that create measurable value. Explore how we've helped businesses transform their supply chain finance operations.
The Challenge: Unlocking Trapped Cash and Supporting SME Suppliers
A leading CPG manufacturer struggled with a rigid, one-size-fits-all payment system. Their smaller, innovative suppliers faced significant cash flow challenges due to long 90-day payment terms, stifling their growth and creating supply chain vulnerabilities. The existing bank-led SCF programs were too complex and expensive for these smaller partners to access.
Key Challenges:
- High cost of capital for SME suppliers.
- Manual, paper-based invoice approval processes.
- Lack of visibility into payment status.
- Risk of supply chain disruption due to supplier financial instability.
Our Solution: A Decentralized Dynamic Discounting Platform
We developed a private, permissioned blockchain platform that allowed the manufacturer to offer early payment options to its entire supplier network. Using smart contracts, the system automated the entire process from invoice submission to discounted settlement.
- Invoice Tokenization: Invoices were submitted and tokenized as unique assets on the blockchain.
- Dynamic Rate Engine: An AI-powered engine proposed optimal early payment discounts based on the manufacturer's daily liquidity and the supplier's risk profile.
- Automated Settlement: Once a supplier accepted an offer, a smart contract automatically executed the discounted payment and updated the ledger.
- Supplier Dashboard: A simple web interface provided suppliers with real-time visibility and control over their receivables.
The Challenge: Fraud and Inefficiency in Floor Plan Financing
A major automotive parts distributor relied on traditional floor plan financing to manage its vast inventory. The process was manual, prone to human error, and susceptible to fraud (e.g., the same inventory being pledged to multiple lenders). Financiers lacked real-time visibility, leading to high audit costs and conservative lending terms.
Key Challenges:
- Risk of inventory fraud and double-financing.
- High administrative and audit costs.
- Slow and inefficient capital release process.
- Lack of a single, trusted source of truth for inventory data.
Our Solution: An IoT and Blockchain-Powered Inventory Tokenization Platform
We created an integrated solution that tokenized high-value inventory on the blockchain, with real-world data fed by IoT sensors at their warehouses.
- IoT Integration: RFID and GPS tags were attached to inventory pallets, providing real-time location and status data.
- Digital Twin NFTs: Each pallet was represented as a "Digital Twin" NFT on the blockchain, containing its full history, location, and ownership status.
- Smart Contract-Based Financing: Financiers could lend against these NFTs. Smart contracts automatically reconciled inventory movements with loan balances, triggering margin calls or releasing capital as parts were sold to retailers.
- Permissioned Access: All stakeholders (distributor, financiers, auditors) were given permissioned access to the immutable ledger for real-time, trusted visibility.
The Challenge: Delays and Risk in International Trade Finance
A pharmaceutical logistics company faced major delays in getting paid for international shipments. The process relied on the physical transfer of paper-based Bills of Lading (B/L) across continents. This was slow, expensive, and created risks of document loss, forgery, and disputes, holding up millions in payments and delaying the release of critical medicines.
Key Challenges:
- Average 21-day delay between goods delivery and payment.
- High courier and administrative costs for handling paper B/Ls.
- Risk of document fraud and title disputes.
- Lack of a secure, instant way to transfer title of goods.
Our Solution: Electronic Bill of Lading (eB/L) on a Public Blockchain
We built a platform to issue and manage eB/Ls as transferable NFTs on a public, cost-effective blockchain, integrated with their existing logistics software.
- NFT-based eB/L: Each B/L was minted as a unique NFT, creating a legally recognized, digital original document of title.
- Decentralized Escrow: A smart contract held the buyer's payment in escrow, automatically releasing it to the logistics company the moment the eB/L NFT was transferred to the buyer's digital wallet upon confirmation of goods' arrival.
- Multi-Signature Wallet Control: The transfer of the eB/L required digital signatures from multiple authorized parties (shipper, port authority), ensuring security and proper procedure.
- Customs & Bank Integration: We provided secure API endpoints for customs authorities and financing banks to verify the authenticity of the eB/L in real-time.
Our Proven Delivery Process
We combine strategic insight with agile execution to deliver Web3 solutions that are built right, on time, and aligned with your business objectives.
1. Discovery & Strategy
We start by deeply understanding your business, pain points, and goals. We map your existing processes and identify the highest-value opportunities for Web3 intervention, culminating in a clear strategic roadmap and ROI analysis.
2. Architecture & Design
Our solution architects design a robust, scalable, and secure system. This phase includes selecting the right blockchain platform, designing the smart contract logic, planning integrations, and creating an intuitive UI/UX for all users.
3. Agile Development & AI Integration
We build your platform in iterative sprints, providing regular demos for your feedback. Our AI-augmented development process ensures high-quality code. This is where we build the core blockchain, smart contracts, and AI risk models.
4. Rigorous Testing & Security Audit
Quality and security are non-negotiable. We conduct comprehensive testing, including unit, integration, and performance tests. Crucially, all smart contracts undergo a meticulous third-party security audit to eliminate vulnerabilities.
5. Deployment & Integration
We manage the full deployment process to a live environment. This includes integrating the new platform with your existing ERP and legacy systems, ensuring a seamless transition and data migration where necessary.
6. Launch, Support & Evolution
Post-launch, we provide comprehensive support and maintenance to ensure smooth operation. We partner with you to monitor performance, gather user feedback, and plan future enhancements to keep your platform at the cutting edge.
Technology Stack & Tools
We are technology-agnostic and select the best tools for the job. Our expertise spans leading blockchain platforms, smart contract languages, and enterprise-grade infrastructure.
What Our Clients Say
Our success is measured by the value we create for our partners. Hear directly from leaders who have trusted Errna to build their critical enterprise solutions.
"The level of technical expertise and professionalism at Errna is top-tier. They didn't just deliver a product; they delivered a strategic asset. The blockchain solution for our inventory financing has fundamentally improved our relationship with lenders."
"We were skeptical about blockchain's real-world application, but Errna's team made it practical and ROI-focused. Their dynamic discounting platform is a win-win, strengthening our supply chain while improving our working capital. A truly collaborative partner."
"The security audit process was incredibly thorough. Errna's commitment to building a resilient and secure platform for our eB/L solution gave us the confidence to go live. Their expertise in both logistics and blockchain is a rare combination."
"Working with Errna felt like an extension of our own team. Their agile process and transparent communication were exceptional. They successfully integrated the new Web3 platform with our legacy ERP system ahead of schedule, which was a critical success factor for us."
"We chose Errna because of their deep expertise in financial compliance. They didn't just write code; they understood the regulatory nuances of building a cross-border payment system. Their guidance on KYC/AML integration was invaluable."
"The 2-week paid trial was the perfect way to start. It de-risked the project and allowed us to see real progress and validate the concept with our internal stakeholders. It set the foundation for a successful, large-scale implementation."
Frequently Asked Questions
Clear answers to common questions about implementing Web3 in supply chain finance.
Absolutely. While the technology is still evolving, enterprise-grade blockchain platforms like Hyperledger Fabric and permissioned Ethereum networks have been battle-tested for years. They offer the security, scalability, and privacy controls required for sensitive financial applications. Our CMMI Level 5 certified processes ensure we build robust, reliable solutions on these mature platforms.
We use a combination of custom APIs, middleware, and oracles to create a secure bridge between the blockchain and your existing systems (like SAP, Oracle, or NetSuite). This ensures that data can flow seamlessly and securely in both directions. For example, an approved invoice in your ERP can automatically trigger a smart contract on the blockchain. Our integration experts ensure data consistency and operational continuity.
ROI varies by use case but is typically driven by three factors: 1) Reduced cost of capital for you and your suppliers, 2) Operational savings from automating manual processes, and 3) Reduced risk of fraud and disputes. During our initial strategy phase, we work with you to build a detailed business case and ROI model. Many clients begin to see a positive return within 12-18 months of implementation.
This is a critical consideration. We primarily use permissioned (private) blockchains for SCF. This means only authorized participants can join the network and see transaction data. Furthermore, we can implement privacy-enhancing techniques like zero-knowledge proofs or private data collections (in Hyperledger Fabric) to ensure that sensitive commercial data is only visible to the direct parties involved in a transaction, while still leveraging the blockchain for verification.
We offer flexible, ongoing support and maintenance packages. This typically includes network monitoring, node management, security updates, and performance optimization. We also provide 24x7 helpdesk support for your users. Our goal is to be your long-term partner, helping you manage, scale, and evolve the platform as your business needs and the technology landscape change.
Ready to Build a Smarter, More Resilient Supply Chain?
Let's discuss how AI-enabled Web3 solutions can unlock liquidity and drive efficiency in your supply chain. Schedule a free, no-obligation consultation with our experts today.
Request a Free Consultation