Web3 for Supply Chain Finance: From Trapped Capital to Liquid Assets
Stop letting slow payments and opaque processes cripple your supply chain.
We build decentralized finance solutions that automate trust, unlock liquidity, and give you a
definitive competitive edge.
Years in Business
Projects Delivered
Appraised Process
Trusted by Industry Leaders and Innovators Worldwide
Why Partner with Errna for Web3 Supply Chain Finance?
We don't just build blockchain applications; we engineer enterprise-grade financial instruments that solve real-world liquidity and trust problems. Our solutions are secure, compliant, and designed for seamless integration with the systems you already use.
Bank-Grade Security
Your financial operations are mission-critical. We implement multi-layered security protocols, conduct rigorous smart contract audits, and build on proven, enterprise-ready blockchain frameworks to protect your assets and data against emerging threats.
Deep ERP Integration
A Web3 solution that doesn't talk to your existing systems is a non-starter. Our expertise lies in creating robust, API-driven integrations with major ERP and SCM platforms like SAP, Oracle, and Microsoft Dynamics, ensuring a unified workflow.
Compliance-First Design
We build with regulation in mind. Our platforms feature integrated KYC/AML checks, digital identity verification, and create immutable, auditable transaction records to ensure you meet even the strictest financial compliance standards globally.
Verifiable ROI Modeling
We move beyond technical jargon to focus on business outcomes. Before a single line of code is written, we work with you to model the potential ROI, from unlocked working capital and reduced fees to fraud elimination and operational efficiencies.
CMMI Level 5 Process Maturity
Our CMMI Level 5 appraisal signifies a commitment to the highest standards of process optimization and quality management. This means predictable outcomes, reduced risk, and consistent, high-quality delivery for your project.
AI-Augmented Solutions
We enhance our Web3 platforms with AI for predictive analytics, fraud detection, and dynamic liquidity management. This fusion of technologies provides deeper insights and automates complex decision-making within your supply chain finance ecosystem.
Global Deployment Experience
With clients in over 100 countries and a team of 1000+ experts, we understand the complexities of cross-border transactions, international regulations, and multi-currency operations. We build solutions that work at a global scale.
End-to-End Partnership
From initial strategy and business case development to platform deployment, integration, and ongoing managed support, we act as your dedicated technology partner, ensuring the long-term success and evolution of your Web3 initiative.
Future-Proof Architecture
The Web3 space evolves rapidly. We build modular, scalable, and interoperable solutions that can adapt to new technologies, such as Layer-2 scaling, cross-chain bridges, and IoT integrations, protecting your investment for the future.
Our Web3 Supply Chain Finance Solutions
We offer a comprehensive suite of services to design, build, and deploy tailored decentralized finance solutions that address every friction point in your supply chain's cash conversion cycle.
Decentralized Invoice Financing Platform Development
We build custom platforms where suppliers can tokenize approved invoices and sell them on an open marketplace to a pool of liquidity providers (including your own corporate treasury). This transforms invoices from illiquid liabilities into tradable, liquid assets, enabling suppliers to get paid instantly while buyers maintain their payment terms.
- Unlock early payment options for your entire supplier network without impacting your own working capital.
- Create a new, high-yield, low-risk asset class for investors and corporate treasuries.
- Reduce the administrative burden of managing complex early payment and dynamic discounting programs.
Smart Contract-Based Automated Supplier Payments
Eliminate manual payment processing and reconciliation. We develop smart contracts that automatically execute payments to suppliers upon the fulfillment of predefined conditions, such as verified proof-of-delivery from an IoT device or digital sign-off on a bill of lading. This automates trust and dramatically accelerates the payment cycle.
- Guarantee payment upon delivery, strengthening supplier relationships and negotiating power.
- Eradicate payment disputes and the costly, time-consuming reconciliation processes they require.
- Provide all parties with a transparent, real-time view of the payment status from order to settlement.
Asset Tokenization (Invoices, Bills of Lading)
We convert critical supply chain documents like invoices, purchase orders, and bills of lading into unique, non-fungible tokens (NFTs) or fungible tokens on a blockchain. This creates a secure, easily transferable, and fraud-proof digital representation of the asset, which can then be used as collateral for financing or traded on secondary markets.
- Prevent double-spending and invoice fraud by creating a single, verifiable source of truth for each asset.
- Fractionalize high-value assets, opening up financing to a wider range of investors.
- Streamline the transfer of ownership and title for goods in transit, reducing paperwork and delays.
Cross-Border Payment Solutions
Bypass the slow and expensive correspondent banking system. We build solutions using stablecoins and decentralized exchanges (DEXs) to enable instant, low-cost international payments. This eliminates intermediary banks, reduces settlement times from days to seconds, and provides complete transparency on fees and exchange rates.
- Reduce cross-border transaction fees by up to 90% compared to traditional wire transfers.
- Achieve real-time, 24/7/365 settlement for global payments, removing delays from banking hours and holidays.
- Mitigate foreign exchange volatility risk by settling transactions in price-stable cryptocurrencies (stablecoins).
Yield Farming for Corporate Treasuries
Turn your idle cash into a productive asset. We create secure strategies and integrations for your corporate treasury to provide liquidity to decentralized finance (DeFi) protocols using your stablecoin reserves. This allows you to earn attractive, low-risk yields on capital that would otherwise be sitting in low-interest bank accounts.
- Generate new revenue streams from your company's existing cash reserves.
- Access higher yields than those available in traditional money markets or corporate bonds.
- Maintain liquidity with flexible strategies that allow for easy deposit and withdrawal of funds.
DeFi Liquidity Pool Integration
Tap into the multi-billion dollar liquidity of the DeFi ecosystem. We build secure bridges and integrations that allow your supply chain finance platform to access external DeFi lending protocols and liquidity pools. This provides a vast, on-demand source of capital for invoice financing and other credit needs, far exceeding what a single company or bank can offer.
- Access a global, decentralized pool of capital to fund your supply chain finance programs.
- Offer more competitive financing rates to your suppliers by sourcing capital from efficient DeFi markets.
- Diversify your funding sources, reducing reliance on traditional banking relationships.
ERP & SCM System Integration
Our solutions enhance, not replace, your core systems. We develop custom middleware and APIs to ensure seamless, bi-directional data flow between your Web3 platform and your existing Enterprise Resource Planning (ERP) and Supply Chain Management (SCM) software. Approved invoices from your ERP can automatically become tokenized assets on the platform, and payment settlements are reconciled back in real-time.
- Maintain your existing ERP as the single source of truth while leveraging the benefits of Web3.
- Automate data exchange to eliminate manual entry, reduce errors, and increase efficiency.
- Provide a consistent, unified user experience for your finance and procurement teams.
KYC/AML & Compliance Automation
Onboard and manage suppliers with confidence. We integrate decentralized identity (DID) solutions and automated Know Your Customer (KYC) and Anti-Money Laundering (AML) verification services into your platform. This ensures that all participants are vetted and compliant with financial regulations, with all verification data stored securely and tamper-proof on the blockchain.
- Streamline the supplier onboarding process with reusable, verifiable digital credentials.
- Create a complete, unchangeable audit trail for all compliance and verification activities.
- Automate ongoing monitoring and risk assessment to ensure continuous compliance.
Supply Chain Traceability & Finance Linkage
Connect the physical and financial supply chains. We build solutions that link the financing of goods to their real-time tracking and provenance data on the blockchain. This allows for innovative financing models, such as milestone-based payments triggered by a product's movement through the supply chain, and provides financiers with greater visibility and reduced risk.
- Reduce the risk of fraud by ensuring that financing is tied to physically verified goods.
- Enable sustainable and ethical sourcing by linking preferential financing terms to verified ESG data.
- Improve inventory management and demand forecasting by having a unified view of physical and financial flows.
IoT-Enabled Real-Time Financing Triggers
Automate financing based on real-world events. We integrate Internet of Things (IoT) sensors that can monitor goods in transit for conditions like temperature, location, and humidity. This data is fed into smart contracts via secure oracles, which can automatically trigger financial actions like releasing payment upon delivery or adjusting insurance premiums based on handling conditions.
- Create truly autonomous supply chain finance where payments are executed without human intervention.
- Reduce insurance costs by providing verifiable proof of proper storage and handling conditions.
- Unlock new financing opportunities for perishable or sensitive goods.
Private & Consortium Blockchain Development
Maintain control and privacy while still achieving decentralization. For organizations that require a permissioned environment, we develop and deploy private or consortium blockchains using frameworks like Hyperledger Fabric. This allows a select group of trusted partners (e.g., a buyer, its key suppliers, and financiers) to operate a shared, immutable ledger with customized governance and access controls.
- Ensure data privacy and confidentiality by restricting network access to authorized participants.
- Achieve higher transaction speeds and lower costs compared to public blockchains.
- Customize the network's governance rules to meet the specific needs of your industry or consortium.
Digital Identity for Supply Chain Actors
Establish a single, trusted identity for every participant in your supply chain. We implement Self-Sovereign Identity (SSI) solutions that give companies, suppliers, and logistics partners control over their own digital identity. These verifiable credentials can be used across multiple platforms, streamlining onboarding, reducing fraud, and simplifying compliance checks.
- Eliminate redundant identity verification processes for suppliers who work with multiple buyers.
- Enhance security by replacing centralized identity databases with cryptographically secure credentials.
- Empower all participants with control over their own data, fostering trust and collaboration.
Security Audits for SCF Smart Contracts
Protect your platform from costly exploits. Our dedicated cybersecurity team conducts comprehensive security audits of all smart contracts underpinning your supply chain finance platform. We perform static and dynamic analysis, formal verification, and penetration testing to identify and mitigate vulnerabilities before deployment, ensuring the integrity and safety of your funds.
- Gain confidence that your smart contracts are free from common vulnerabilities and attack vectors.
- Provide assurance to your partners, suppliers, and investors that the platform is secure.
- Meet the stringent security requirements of enterprise-grade financial applications.
Data Analytics & Visualization Dashboards
Turn blockchain data into actionable business intelligence. We build custom dashboards that provide a real-time, holistic view of your supply chain finance operations. Track key metrics like average payment cycle time, working capital unlocked, financing costs, and supplier health, all derived from the transparent and trustworthy data on the blockchain.
- Make data-driven decisions to optimize your working capital and supply chain efficiency.
- Identify bottlenecks and opportunities for improvement in your financial supply chain.
- Provide stakeholders with transparent, easy-to-understand reports on program performance.
Full Platform Maintenance & Support
We provide comprehensive, ongoing support to ensure your Web3 supply chain finance platform operates flawlessly. Our services include node management, security monitoring, performance optimization, and regular upgrades to keep your system aligned with the latest blockchain innovations and security patches. We are your long-term partner in decentralized finance.
- Ensure high availability and optimal performance of your blockchain network and applications.
- Stay protected against emerging security threats with proactive monitoring and incident response.
- Focus on your core business while we handle the technical complexities of managing a Web3 platform.
Real-World Impact of Web3 in Supply Chain Finance
Case Study 1: CPG Giant Unlocks Supplier Liquidity
Industry: Consumer Packaged Goods (CPG) | Client: Fortune 500 Food & Beverage Company
Client Overview: A global CPG leader with a complex network of thousands of raw material suppliers, ranging from large corporations to small, family-owned farms. Their standard 90-day payment terms were straining relationships with smaller suppliers and creating inefficiencies in their procurement process.
Problem: The client needed a way to offer early payments to its suppliers without impacting its own working capital or taking on additional credit risk. Existing dynamic discounting solutions were administratively heavy and offered unattractive rates to suppliers.
Key Challenges:
- Onboarding thousands of diverse, non-technical suppliers onto a new system.
- Ensuring the solution could handle a high volume of invoices securely.
- Creating a competitive marketplace for invoice financing to ensure fair rates.
- Integrating seamlessly with their existing SAP ERP system.
Our Solution:
Errna designed and deployed a private, permissioned invoice financing platform on Hyperledger Fabric.
- We created a simple, intuitive portal for suppliers to tokenize approved invoices with a single click.
- These tokenized invoices became tradable assets on a marketplace accessible to a curated group of third-party financiers and the company's own treasury.
- Smart contracts automated the entire process, from the sale of the invoice token to the settlement of funds to the supplier and the eventual repayment from the buyer.
- A robust API layer was built to sync invoice data from SAP in real-time, ensuring data integrity.
Average Time to Payment (from 90)
Increase in Supplier Participation
Working Capital Unlocked in Year 1
Case Study 2: Automotive Manufacturer Slashes Cross-Border Payment Costs
Industry: Automotive | Client: Mid-Tier Automotive Parts Manufacturer
Client Overview: A manufacturer of specialized automotive components with key suppliers located in Southeast Asia, Europe, and Mexico. They were processing hundreds of international payments each month, incurring significant fees and dealing with unpredictable settlement times through the traditional banking system.
Problem: High wire transfer fees, unfavorable FX rates from intermediary banks, and payment delays of 3-5 days were eroding margins and causing friction with their international partners. They needed a faster, cheaper, and more transparent way to pay global suppliers.
Key Challenges:
- Navigating the regulatory complexities of payments in multiple jurisdictions.
- Ensuring suppliers could easily convert stablecoin payments back to their local fiat currency.
- Providing a simple user experience for their accounts payable team, who were not crypto experts.
- Guaranteeing the stability of the digital currency used for payments.
Our Solution:
Errna developed a cross-border payment solution built on the Stellar blockchain, utilizing USDC (a regulated, dollar-pegged stablecoin).
- We created a payment portal that integrated with their accounting software, allowing the AP team to initiate international payments as easily as domestic ones.
- The platform automatically converted USD to USDC, sent it across the network in seconds, and routed it through integrated on/off-ramps in the supplier's country for conversion to local currency.
- Smart contracts provided a real-time, auditable trail for every transaction, from initiation to final settlement.
- We provided training and support to both the client's AP team and their key international suppliers.
Reduction in Transaction Fees
Average Payment Settlement Time
Real-time Payment Visibility
Case Study 3: Pharmaceutical Distributor Automates Trust and Payments
Industry: Pharmaceuticals & Logistics | Client: Specialty Pharmaceutical Distributor
Client Overview: A distributor of high-value, temperature-sensitive medicines. Their business relies on impeccable handling and a verifiable chain of custody. Payment disputes often arose from claims of improper handling or delivery delays, requiring costly manual investigations.
Problem: The client needed to eliminate payment disputes by creating an unbreakable link between the physical delivery of goods under the correct conditions and the financial settlement. They sought to automate trust between themselves, their logistics partners, and their customers (hospitals and pharmacies).
Key Challenges:
- Integrating real-world data from IoT sensors onto a blockchain in a secure and reliable way.
- Designing smart contracts with complex, multi-stage logic for payment release.
- Ensuring the solution was scalable and performant enough to track thousands of daily shipments.
- Maintaining data privacy for sensitive shipment information on a shared ledger.
Our Solution:
We built an integrated IoT and blockchain solution on a private Ethereum network.
- Each shipment was equipped with IoT sensors tracking location, temperature, and shock. This data was continuously transmitted to the blockchain via a secure Chainlink oracle.
- A smart contract was created for each purchase order, holding the payment in escrow.
- The contract was programmed to automatically release payment to the distributor and logistics partner only when the IoT data confirmed the shipment had arrived at its destination within the specified time and temperature range.
- A permissioned system ensured that only authorized parties could view the details of specific shipments.
Reduction in Payment Disputes
Decrease in Insurance Premiums
Faster Dispute Resolution Time
Technology Stack & Tools We Master
We build robust, scalable, and secure Web3 solutions using a curated stack of industry-leading blockchain platforms, protocols, and development tools.
Meet Our Web3 & Enterprise Solutions Experts
Kuldeep K.
Founder & CEO - Expert Enterprise Growth Solutions, Ph.D.
Amit A.
Founder & COO - Expert Enterprise Technology Solutions, Ph.D.
Abhishek P.
Founder & CFO - Expert Enterprise Architecture Solutions, Ph.D.
Dr. Bjorn H.
V.P. - Ph.D., FinTech, DeFi, Neuromarketing
What Our Clients Say
"Errna's Web3 platform revolutionized our supplier financing. We've strengthened our supply chain by offering instant liquidity, and our treasury is now generating yield on our balance sheet. It was a strategic masterstroke."
"The transparency and automation Errna introduced with their blockchain solution are unparalleled. Payment disputes, which were a constant headache, have virtually disappeared. Our logistics partners are happier, and our finance team is more efficient."
"We were skeptical about blockchain's real-world application, but Errna delivered. Their team seamlessly integrated the solution with our SAP system. The reduction in cross-border transaction fees alone paid for the project in under 18 months."
Frequently Asked Questions
This is a common misconception based on early public blockchains. We utilize modern solutions like private/consortium blockchains (e.g., Hyperledger Fabric) and Layer-2 scaling technologies that are specifically designed for enterprise use. These systems can handle thousands of transactions per second at a fraction of the cost, making them more than capable of supporting even the most demanding global supply chains.
Integration is at the core of our methodology. We don't rip and replace; we enhance. We build a robust API and middleware layer that acts as a secure bridge between your existing ERP/SCM system and the new Web3 platform. This ensures seamless, real-time, bi-directional data flow, so your ERP remains the system of record while benefiting from the trust and automation of the blockchain.
We build with a "compliance-first" mindset. For privacy, we typically deploy permissioned blockchains where only authorized parties can participate and view data. We integrate decentralized identity (DID) and KYC/AML verification tools to ensure all participants are vetted. The blockchain itself creates a perfect, immutable audit trail, which greatly simplifies regulatory reporting and compliance.
User adoption is critical. We design our platforms with a relentless focus on user experience (UX). For suppliers, this means a simple, intuitive web portal that abstracts away the blockchain complexity. Actions like "tokenizing an invoice" become as simple as clicking a button. We also provide comprehensive training, documentation, and support to ensure a smooth onboarding process for all your partners.
The ROI is multi-faceted. The most direct return comes from: 1) Unlocking working capital by enabling early payments without using your own cash. 2) Drastically reducing transaction fees, especially for cross-border payments. 3) Eliminating costs associated with fraud and payment disputes. 4) Reducing administrative overhead through automation. During our initial consultation, we will work with you to build a detailed business case tailored to your specific operations.
Ready to Revolutionize Your Supply Chain Finance?
Let's schedule a complimentary consultation to explore how a tailored Web3 solution can unlock liquidity, automate payments, and build a more resilient, efficient, and transparent supply chain for your business.
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