The structural challenge in supply chains
Global trade often faces liquidity misalignmentdue to the separation between payment, shipment and financing.
Common friction points:Supplier prepayment requirementsExtended buyer payment cycles.
FX exposure during trade settlementDisconnected shipment and payment records.
Limited data visibility for financing assessmentTrade execution, payment execution and financing assessmentare traditionally disconnected.
Our three-layer infrastructure model
We integrate supply chain execution across three structured layers.
Layer 1 — Structured Payment Infrastructure
Controlled cross-border supplier payments
with full cost visibility and approval governance.
1.Multi-currency settlements
2.Transparent total cost before confirmation
3.Approval workflows and role-based access
4.Auditable transaction history
Layer 2 — Verified Logistics Integration
Alignment between payment records and recognised logistics references.
1.Shipment reference linkage
2.Delivery confirmation alignment
3.Trade documentation visibility (where available)
4.Payment-to-shipment traceability
This enhances operational transparency
without altering existing logistics processes.
Layer 3 — Bank-Enabled Finance Collaboration
Structured transaction visibility
may support financing discussions with approved banking partners.
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Trade-linked payment history
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Structured settlement data
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Liquidity cycle visibility
MultiPay does not directly provide credit products unless permitted under applicable regulations.
Financing services, where applicable, are delivered by licensed banking institutions.
How it works?
Payment
Initiate structured supplier payment
Logistics
Attach shipment and trade references
Record
Generate auditable payment-logistics record
Bank
Where appropriate,explore financing collaboration with banking partners
Business impact
A connected infrastructure enables:
1.Improved working capital alignment.
2.Reduced payment-to-finance friction.
3.Enhanced trade visibility.
4.Structured reconciliation support.
5.Stronger bank collaboration positioning.
Payments become financial signals —not just transactions.
Compliance clarity
Cross-border supply chain transactionsare subject to applicable regulatory requirements.
MultiPay applies a proportionate, risk-based compliance approachto keep processes structured and practical.
In most cases, a clear explanation of transaction purpose and references is sufficient.
Additional documentation may be requested only where required under applicable regulations.
Financial products, where applicable, are provided by licensed banking partners.