We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
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Trade Finance And Digital Undertakings
A Distributed Ledger Payment Commitment is a standardised way to represent a payment undertaking as a digital asset recorded on a distributed ledger. In plain terms, it is the “I will pay” part of a trade transaction, expressed in a controlled digital form so it can be issued, accepted, transferred, financed, and discharged with a clean audit trail.
DLPC is designed to be interoperable and portable across distributed ledger networks. It is meant to be a reusable payment commitment component that can attach to many trade flows, from open account supply chains to structured trade instruments.
If your transaction also depends on electronic documents of title, see: Bolero bill of lading and the platform layer: Bolero Core Messaging.
Trade digitisation has been fragmented for years. Networks digitise documents, others digitise workflows, others digitise financing. The payment undertaking is the common core that shows up everywhere, but each platform tends to represent it differently.
DLPC aims to standardise the representation and lifecycle of the payment commitment so banks, corporates, and fintech rails can exchange and rely on it without rebuilding the same logic repeatedly.
Reality check: digitising a payment commitment is not useful if the commitment cannot be enforced, cannot be transferred cleanly, or cannot be examined and controlled under a bank grade operating procedure.
A DLPC only works if the data fields are strict enough to avoid ambiguity. In lender packaging, these are the fields that typically determine whether a DLPC is underwriteable.
| Field Group | Examples Of Required Content | Credit And Ops Impact |
|---|---|---|
| Reference and linkage | Reference ID, trade instrument link, invoice or PO references, shipment references where relevant | If the DLPC cannot be anchored to a defined underlying trade context, it becomes a floating promise |
| Obligor and beneficiary | Issuer or obligor identity, beneficiary identity, permitted transferees, roles and permissions | Identity control and transfer restrictions drive enforceability and fraud exposure |
| Economic terms | Amount, currency, payment date or trigger, partial payment rules, fees if embedded | Determines modelling assumptions, discount rates, and eligibility for financing |
| Conditions and triggers | Unconditional promise, conditional promise, data conditions, presentation conditions, dispute windows | Conditions must be executable, not aspirational |
| Lifecycle and state | Issued, accepted, transferred, financed, amended, cancelled, discharged | State discipline prevents double claims and supports audit and controls |
| Evidence and audit | Timestamps, acknowledgements, signature proofs, immutable event logs | Controls disputes, supports operational examinations, supports legal opinions |
In trade operations, lifecycle is the product. A DLPC is not a static record, it is a controlled sequence of state changes. A workable lifecycle is typically built around five things: issuance, acceptance, transfer, amendment, and discharge.
The obligor issues the commitment and the counterparty accepts it under the network’s governance model. Without an acceptance discipline, you are back to email.
If the DLPC is transferable, the holder can transfer it to a financier or secondary buyer subject to permitted transfer rules and clean identity controls.
Any change must be explicit and logged. Dispute windows must be time boxed and operationally executable, or the asset cannot be priced.
Payment or discharge is recorded so the asset cannot be reused or pledged again. This is where a distributed ledger trail can be genuinely useful.
A DLPC is only as strong as its legal wrapper. Distributed ledger recording does not create enforceability by itself. You need a clear legal framework for control, transfer, and reliance on the electronic record.
Two credible legal reference points that frequently appear in this space are:
Packaging rule: if you want banks or institutional credit funds to rely on a DLPC, you need a clear opinion path on governing law, participant obligations, and what counts as control and transfer in your corridor.
DLPC sits in a different category than classic ICC documentary credits or standby undertakings. It is closer to a standardised digital payment commitment component that can be embedded in different structures.
| Instrument | What The Bank Or Counterparty Is Relying On | Main Operational Friction |
|---|---|---|
| Letter of credit | Documentary presentation and examination under defined rules and time frames | Document strictness and discrepancy handling |
| Standby letter of credit | Independent undertaking, typically triggered by demand plus stated documents | Trigger clarity and dispute handling |
| Guarantee | Legal undertaking shaped by governing law and guarantee terms | Enforceability variations by jurisdiction |
| Invoice discounting | Receivable enforceability, debtor payment behaviour, dilution risk | Eligibility testing, disputes, collections |
| DLPC | Digitised payment commitment with controlled lifecycle, transfer logic, and auditability | Interoperability, legal recognition, and governance discipline |
A DLPC is most useful where the payment undertaking needs to be tradable or financeable and you want a stronger control and evidence model than typical platform messaging. Examples include open account supply chains with embedded financing, structured payables, and receivable programmes where multiple parties rely on the same commitment record.
In practical packaging terms, DLPC is attractive when it reduces operational friction while still giving credit committees a defensible control story.
Financely packages trade finance transactions into lender ready files. With DLPC based structures, we treat the payment commitment as an underwriteable asset and we build the supporting operating procedure around it.
Start with: Trade finance deal packaging and our broader deal packaging service. If your structure includes medium tenor receivable instruments, also review: URF 800 guide.
Packaging outputs we deliver: credit memo, transaction narrative, lifecycle workflow mapping, data field schedule, financial model, lender deck, and a legal opinion path based on the governing law and platform rulebook assumptions.
Author: Daniel Mercer, Trade Documentation and Digital Workflow Specialist
Daniel supports trade desks and corporate trade teams with documentary workflow design, digital payment undertaking mapping, and lender facing operational procedures. His work focuses on enforceability, audit evidence, and how lifecycle mechanics impact credit appetite and distribution.
No. A letter of credit is a documentary instrument with presentation and examination logic under defined rules. A DLPC is a standardised digital payment commitment component that can be embedded into different structures.
It depends on the governance model of the network and the legal framework used. In practice, issuance is typically constrained to authenticated participants with defined roles and permissions.
If the DLPC design supports transferability and permitted transferee rules are defined, it can be transferred to a financier or secondary buyer. Transfer must be logged and accepted under the network’s lifecycle discipline.
Clear obligor identity, clean linkage to the underlying trade, explicit triggers, strict lifecycle states, audit evidence, and a credible enforceability path under the applicable law and participant agreements.
Weak governance and vague legal recognition. If control and transfer are not clearly enforceable in the corridor, credit committees treat it as operational risk and price it accordingly.
If your structure relies on a digitised payment undertaking, we will map the lifecycle, lock the data fields, build the credit memo and model, and package the file for lender review and distribution.
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Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
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