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Batch settlementAtomic finalityReconciliation

Supplier payouts that clear in one transaction.

A weekly payout run of hundreds of wires, rebuilt as a single atomic on-chain settlement.

Payments · Settlement · A European neobank · under NDA
In plain terms

Instead of firing off hundreds of bank transfers every week — each with its own fee, delay, and chance to bounce — the entire payout run is packed into one on-chain transaction. It either all goes through together in seconds, or none of it does. There is nothing to reconcile afterwards, because the chain is the record.

By the numbers
Many
1 tx
Individual bank wires
One on-chain batch
Transactions to clear a full payout run.
The challenge

The weekly supplier and partner run went out as hundreds of separate wires — days of float, per-wire fees, and a reconciliation headache at the end of every cycle.

T+2 → ~4s
time to final
1
transaction per run
0
intermediaries
What we built
  • 01A batch settlement contract on a network they operate
  • 02An payout pipeline with on-chain
  • 03Reconciliation that reads straight from the chain
Outcome

The whole run now settles as a single atomic transaction in seconds instead of days, with no intermediary in the flow — built, audited, and handed over.

How it’s wired

The architecture, end to end.

Each box is a primitive we wrote and you own — legible all the way down, no black-box vendor in the path. Value flows left to right.

1Payout file

Hundreds of recipients and amounts, validated and de-duplicated off-chain.

2Batch contract

A single contract you own packs the whole run into one transaction.

3Atomic settlement

It all lands together on-chain in seconds — or not at all. No half-paid state.

4On-chain reconciliation

Every payment is provable against the chain; no end-of-cycle guesswork.

Before / after
Bank wires · 2–5 days each
On-chain batch · seconds, one tx
How we build it
  • On-chain where enforcement matters; in your infrastructure where operation matters.
  • Non-custodial by default — keys and funds stay with their owner.
  • Audited line by line, then handed over: repository, runbook, and proofs.
The difference, point by point

Legacy vs the system we built.

The legacy wayWith Govart
Settlement time2–5 business days per wireSeconds, once, for the whole run
Failure modePartial — some wires bounceAtomic — all or nothing
ReconciliationManual, at end of cycleReads straight from the chain
IntermediariesCorrespondent banks in the flowNone
The stack we built

Primitives, not black boxes.

Each layer is code you own and can read — written in-house, audited, and handed over. No rented dependency in the path of your money.

01

Batch settlement contract

Packs an entire payout run into one atomic transaction on a network you operate.

02

Idempotent payout pipeline

Every instruction carries a nonce, so a retry can never double-pay a supplier.

03

On-chain reconciliation

Balances and receipts read straight from the chain — no end-of-cycle guesswork.

What we hardened

Built as if it’ll be attacked.

In crypto, one mistake is terminal. We threat-model before we build — here’s what could go wrong, and what stops it.

The risk

A wire bounces mid-run — some suppliers paid, others not.

How we guard it

The batch is atomic: the whole run lands together, or none of it does.

The risk

A retry or replay pays a supplier twice.

How we guard it

Idempotency keys; the contract rejects any duplicate instruction.

The risk

A processor outage freezes the weekly run.

How we guard it

No intermediary in the flow — it settles on rails you run.

Handover

Yours at the end. All of it.

The engagement ends — that’s the point. What stays is everything you need to run and extend the system without us.

The repository

Every contract and service, commented and documented — nothing withheld, no black box.

Audit reports

Internal review plus an independent third-party audit, your engineers reading along.

The runbook

How to operate, monitor, upgrade and recover — written for your team, not ours.

Keys & training

Full control transferred, and your engineers walked through it until it's theirs.

We can read every line of what moves our money now.
A European neobank, anonymized

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Disclaimer

Govart provides software engineering, technical advisory, and infrastructure services only. We advise on technology — not on financial, investment, legal, tax, or accounting matters. Nothing on this site is advice, an offer, a solicitation, or a recommendation.

We are not a bank, broker, custodian, exchange, payment processor, money-services business, or virtual-asset service provider, and we never hold, transmit, or take custody of client or end-user funds.

KYC, AML, sanctions screening, licensing, and regulatory compliance remain the responsibility of the operator that owns and runs each deployed system. We build the controls you specify; we do not act as your compliance function. Figures and examples shown are illustrative only.

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