Working Capital Optimization Through Stablecoin Treasury
How instant settlement reduces DSO by 15-30 days and unlocks millions in trapped working capital for growth investment.
Understanding the Cash Conversion Cycle
The cash conversion cycle (CCC) measures how long cash is tied up in operations: Inventory Days + Receivables Days - Payables Days. While supply chain optimization has reduced inventory days and AP strategies have extended payables, the receivables component remains stubbornly high—largely due to payment processing delays rather than actual collection issues.
Where Float Hides
- Payment Initiation: 1-2 days (batching, approval workflows)
- Bank Processing: 1-3 days (ACH, wire settlement)
- Reconciliation: 1-5 days (matching, exception handling)
- Availability: 1-2 days (bank hold policies)
- Total Float: 4-12 days of hidden working capital lock-up
Instant Settlement Impact
GRAIN payments settle in seconds, not days. The moment a vendor receives payment confirmation, funds are available—no processing delays, no holds, no reconciliation lag. For buyers, this means the ability to negotiate early payment discounts (typically 2% for net-10 vs net-30) without sacrificing float. For sellers, it means faster access to cash and reduced collection costs.
ROI Example
A $500M revenue business with 45-day DSO carries approximately $62M in receivables. Reducing DSO by 20 days through instant settlement frees $27M in working capital. At 8% cost of capital, this represents $2.2M in annual savings—before counting reduced payment processing costs.
Ready to Transform Your Treasury?
Join forward-thinking enterprises using GRAIN for instant, zero-friction payments with protected reserves.