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Use case · B2B settlement

Net out invoices. Settle 24/7.

Programmable escrow, signer quorums, and automated reconciliation against your AR/AP system, invoices clear on a ledger that never closes, with no cut-off times or correspondent hops.

  • Settlement in under three seconds, any hour, any day
  • Signer quorums and programmable escrow on every payment
  • Automated reconciliation against your AR/AP system
The shape

Who ships this pattern.

Any business that moves large invoices between counterparties and can't wait on banking-hour windows or manual reconciliation.

Finance & treasury teams

Clear inter-company and counterparty invoices without waiting on cut-off times.

Importers & exporters

Settle trade invoices in stablecoins instead of multi-day wire chains.

B2B platforms

Embed escrow and net settlement into your own product flows.

Freight & logistics

Release carrier and broker payments the moment delivery clears.

Insurance & reinsurance

Settle premium and claim flows between carriers on a signed ledger.

Lending & credit

Disburse and collect against facilities with programmable escrow.

Walkthrough

What happens when an invoice clears.

Four steps from a posted invoice to settled funds, every one on a signed, reconcilable ledger.

01
Post

Push the invoice via API. It maps to your AR/AP record automatically.

invoice.posted
02
Escrow

Funds lock in programmable escrow under your signer quorum.

escrow.locked
03
Net

Offsetting invoices net out, so only the balance moves.

batch.netted
04
Settle

Stablecoin settles in under three seconds and reconciles at T+0.

transfer.settled
Related patterns

Often shipped alongside.

Settlement teams usually compose these next.

Ready to get started? Open a ledger, talk to an engineer, or pick a plan and ship.

Have more questions?
Talk to a solutions engineer, or read the docs.