QUALCO KYBERAS

A robust platform that enables buyers and suppliers to easily initiate and manage the whole dynamic discounting process seamlessly. 

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WHAT DYNAMIC DISCOUNTING IS


Dynamic discounting allows cash-rich buyers to decide when they will pay their suppliers in return for a reduced price for the products or services purchased. This way, suppliers can also benefit from an early payment of their accounts receivables (A/R). 
 

The solution includes a “dynamic” approach since the discount is determined on the dates of the payment to the suppliers. The earlier the buyers pay, the greater their discount will be. 

With the funds being typically provided by the buyer’s own liquidity resources, this flexible method constitutes a powerful way to strengthen the financial position of all parties involved, across the entire life cycle of the invoicing.

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KEY BENEFITS

FOR THE BUYER
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Enhanced profitability

Compared with the interest for short-term cash investments, dynamic discounting brings higher returns 

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Secure returns

Buyers use their excess cash to pay their suppliers, not funds provided by a financial institution 

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Cost-effective process

Early payments discounts facilitate buyers to significantly lower the cost of the purchased products and services  

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Stabilised supply chain

Through the platform’s functionalities, agility is ensured, and buyers can certify that no disturbances will occur 

FOR THE SUPPLIER
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Reduced funding cost

Suppliers can lower the cost of funding with this method to boost their growth 

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Amplified agility

Suppliers get to decide which invoices are eligible to be included in the dynamic discounting process 

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Enhanced working capital

When receiving an early payment, suppliers can lower the Days Sales Outstanding (DSO) and increase the cash liquidity 

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Advanced planning

With dynamic discounting, suppliers can stay one step ahead since they have an overview of when they expect payments 

MODULAR ARCHITECTURE


In all cases
, we take care of the design, capacity planning, network and security in order to ensure that your Sales and Trade Finance platform will run well-tuned and safely.
 

Kyberas
QUALCO Kyberas

This is the core module. It is an end-to-end web-based core dynamic discounting platform where all involved parties can interact simultaneously. Harnessing blockchain technology enables suppliers and buyers alike to work in a modern and ultra-secure interface.

Back Office
Back Office

Here, buyers can create the initial setup for any supplier they want to collaborate with. In general, the buyers can track the onboarding progress for their suppliers and also perform Know Your Customer (KYC) or audit procedures during the onboarding phase. The module offers buyers the potential to differentiate the process according to the customer type and they can also assign various user roles for each supplier.

On-Boarding
On-Boarding

Through this module, buyers can initiate the onboarding, which in combination with the back office are both white label solutions and are used only upon the beginning of a collaboration. Buyers upload the documents requested by the supplier and then the interaction can begin for each invoice a supplier deems eligible.

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With experts around the world, we’ve always got an open door. Drop your message and we will connect you with one of our global offices.

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