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Supply Chain Finance: Accelerating the Order-to-Cash Cycle
How manufacturers and distributors use stablecoin treasury to reduce payment delays, improve supplier relationships, and optimize inventory financing.
16 min read
December 23, 2024
Supply chains run on credit—and that credit is expensive. Suppliers wait 60-90 days for payment while buyers stretch payment terms to preserve working capital. The gap is filled by factoring, supply chain finance programs, and bank lines—all extracting fees that ultimately increase product costs. Stablecoin treasury offers a different model: instant payment at delivery, funded by the buyer's yield-generating GRAIN reserves rather than expensive credit facilities.
The Supply Chain Finance Gap
60-90 days
Average Payment Terms
3-5%
Factoring Cost (Annual)
$2T
Global Supply Chain Finance Gap
Instant Payment Model
With GRAIN treasury, buyers can offer instant payment without sacrificing working capital efficiency. GRAIN reserves earn yield while held, offsetting the time value of faster payment. Suppliers receive funds immediately, eliminating their financing costs. The total cost of goods sold decreases for both parties.
- Buyer: Holds GRAIN earning ~5% APY instead of non-yielding bank deposits
- Buyer: Pays instantly at delivery, negotiates 2-3% discount for fast payment
- Supplier: Receives payment in seconds, eliminates factoring costs
- Supplier: Can pay own suppliers instantly, cascade benefits upstream
Ready to Transform Your Treasury?
Join forward-thinking enterprises using GRAIN for instant, zero-friction payments with protected reserves.