Quartz for Interbank Ledger
Redefine Interbank Lending and Borrowing
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Highlights
- Quartz for Interbank Ledger enables financial institutions to effectively communicate, negotiate and manage the end-to-end process of lending/borrowing with their peers
- It ensures a tamperproof record of communication with all stakeholders and instant updates on the distributed ledger
- The solution’s off-chain and on-chain design ensures data privacy for internal processes for the participating entities
Quartz for Interbank Ledger
Abstract
Quartz simplifies the business process of interbank borrowing and lending through the use of distributed ledger technology. The solution’s hybrid architecture with the combination of on-chain and off-chain services enables financial institutions to conclude deals in time with reduced costs and enhanced efficiency.
Challenge
Lending and borrowing among financial institutions typically involve significant manual processing across multiple internal and external stakeholders. Starting from collateral asset list identification, bidding and negotiation of assets, and the maintenance of payment schedules till repayment, intense tracking is required, causing operational inefficiencies and impact to the core business with delays in deal finalization timelines.
Solution
Distributed ledger technology can help financial institutions reimagine the existing business process effectively to bring in automation and simplification. With its unique combination of off-chain and on-chain services, the Quartz Smart Solution for Interbank ledger provides seamless integration with existing systems of organizations, while operational aspects such as asset sharing, compliance approvals and lender query resolutions, are simplified through the use of DLT. The solution provides a real-time view of assets, deal status as well as re-payment schedules, with the decentralized architecture enabling organizations to securely negotiate deals with multiple counterparties simultaneously, ensuring faster deal closure. All interactions are captured in the audit trail and can be viewed both by the Lender and the Borrower thus ensuring greater transparency. Quartz automates and re-defines the way inter-bank borrowings are managed, paving the way for business expansion through the onboarding of additional entities into the ecosystem.
Benefits
- Real time availability of deal updates and asset information for the banks.
- Reduced turnaround time due to automation of business processes – deal review, negotiation, collateral review and response and deal finalization
- Effective integration with SWIFT for payments and external systems for AML checks and other similar external systems.
- Co-existent architecture with a combination of off-chain services for intra-bank business processes and on-chain services for inter-bank processing
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