Funding asset
A lender supplies bank funds or eligible stablecoins under its mandate.
Stablecoins & Settlement
Follow the money from funding to repayment.
Finanzer is developing settlement services that connect a lender’s capital to a business and its repayment obligation. Bank and stablecoin routes share the same facility record.
FinanzerFacility record
Payment status
- 01Instruction approvedAuthority to release funds
- 02Transfer confirmedEvidence from the payment provider
- 03Payment reconciledReceipt matched to the obligation
Linked to the facility record
One facility. A complete money trail
One facility. A complete money trail.
The provider supplies capital in the agreed asset. The recipient receives funds through the chosen payment route. Repayments return through their own instructions and are matched to the facility.
01
Funding
After payment approvalCapital provider
Supplies the agreed funds
Bank funds or stablecoinsSettlement
Transfers the approved amount
Currency conversion when neededBusiness or supplier
Receives the payment
Bank account or supported wallet
02
Repayment
Under the agreed termsBusiness repays
Payment against its obligation
Receipt reconciled
Matched to the credit facility
Payment allocated
Principal, interest and fees recorded
Know what is supplied, received and owed
Know what is supplied, received and owed.
The funding asset, settlement asset and repayment currency can differ. The facility needs to state each one and identify any conversion.
Recipient funds
The business or supplier receives the currency and destination agreed in the instruction.
Repayment currency
The credit agreement states what the borrower owes. Any conversion cost and currency exposure need an assigned owner.
A confirmed transfer still needs to be reconciled.
Authorisation, movement of funds and payment allocation answer different questions. The proposed system connects them through a common facility reference.
FinanzerFacility record
Payment status
- 01Instruction approvedAuthority to release funds
- 02Transfer confirmedEvidence from the payment provider
- 03Payment reconciledReceipt matched to the obligation
Linked to the facility record
Each step has an accountable party
Each step has an accountable party.
The arrangement defines the lender, transfer authority, payment provider and servicer before funds move.
Lender
Supplies capital and agrees the credit terms and release conditions.
Finanzer credit operations
Connects the approved instruction, provider response and repayment record.
Payment and custody providers
Carry out the agreed transfer, custody and any conversion.
Servicer
Matches receipts, allocates payments and handles exceptions.
Keep the exception attached to the payment
Keep the exception attached to the payment.
An instruction can be delayed, rejected or received without enough information to identify its purpose. The record needs to preserve that distinction.
Delivery delayed
Confirm the provider’s status before retrying or changing the route.
Receipt unmatched
Hold the payment for review until the facility and allocation are established.
Repayment missed
Open the servicing case and follow the agreed collection process.
See what belongs on-chain
See what belongs on-chain.
Selected transfers and financial states can be linked to the facility. Identity files, business documents and credit review notes remain in controlled systems.
Explore on-chain creditOn-chain
Transfers and loan status
- Funding transfers
- Repayment transactions
- Approved loan updates
Controlled access
Business documents
- Identity and company files
- Invoices and bank records
- Review notes and legal agreements
Linked by facility reference. Documents stay access-controlled.
The intended model can connect a fiat-facing business to stablecoin funding or settlement through providers. Whether a wallet is needed depends on the selected arrangement.
Production assets, networks and providers are still being selected. The funding arrangement will identify the supported routes and any conversion requirements.
It confirms an event on the relevant network. Conversion, local bank delivery and reconciliation may still be required before the beneficiary’s payment is complete.
The custody and payment arrangement must name the responsible entities and accounts. Finanzer’s operating record connects their instructions and confirmations.
FZR has a separate proposed participation and risk role. The facility specifies the assets accepted for funding and repayment.
Work through the details with us.
Tell us about the financing, the participants and the records your process needs.