QUALCO KYBERAS
A robust platform that enables buyers and suppliers to manage the whole dynamic discounting process seamlessly.
QUALCO KYBERAS
KYBERAS
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.
KEY BENEFITS
FOR THE BUYER
Enhanced profitability
Compared with the interest for short-term cash investments, dynamic discounting brings higher returns
Secure returns
Buyers use their excess cash to pay their suppliers, not funds provided by a financial institution
Cost-effective process
Early payments discounts facilitate buyers to significantly lower the cost of the purchased products and services
Stabilised supply chain
Through the platform’s functionalities, agility is ensured, and buyers can certify that no disturbances will occur
FOR THE SUPPLIER
Reduced funding cost
Suppliers can lower the cost of funding with this method to boost their growth
Amplified agility
Suppliers get to decide which invoices are eligible to be included in the dynamic discounting process
Enhanced working capital
When receiving an early payment, suppliers can lower the Days Sales Outstanding (DSO) and increase the cash liquidity
Advanced planning
With dynamic discounting, suppliers can stay one step ahead since they have an overview of when they expect payments
WHY CHOOSE QUALCO KYBERAS
Transformed business operations
Cash flow is streamlined, predictable, and optimised
Customised web interfaces
The platform’s bespoke frontend puts user needs in a prominent position and enables them to interact smoothly with the system
Accelerated financing processes
Instant financing through dynamic discounting is a possibility with or without the existence of a funder
Digitally-led transactions
Buyers and suppliers are always in sync through digital reconciliation
Facilitated document sharing
Invoices are available in real-time to all parties even before they appear in the ERPs
Optimised pricing options
The platform is harvesting the power of machine learning “intelligent” pricing
Decentralised financial technology
Blockchain driven features (immutability, auditability, traceability, security) offer a future-proof solution
Automated legal contracts
Smart contract automation is enabling max efficiency in less time
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
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
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.
Get in Touch
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