Settle to producers in 100ms
Embedded-wallet + local-rail supplier settlement for vertical B2B marketplaces
Oncade sits below your treasury tool and above raw banks: ACH, PIX, SEPA, and SPEI payouts to coffee, cocoa, seafood, and ag suppliers — without the SWIFT last-mile fee or the reconciliation spreadsheet.
Marketplace → Supplier Settlement
Marketplace
B2B Platform
USD / EUR
Rails
Oncade
ACH · PIX · SEPA · SPEI
Wallet
Embedded
Per supplier
Supplier
Local Currency
LATAM / Africa / Asia
Your treasury tool solved FX. The last mile didn't.
Where marketplace CFOs lose margin, hours, and supplier trust
SWIFT fees of $20-40 per producer payout eat margin on small tickets — and stack linearly with supplier count
1-3% FX spread on the USD leg, opaque to your finance team and invisible to producers
T+3-5 settlement drives "where is my payment" support tickets — supplier retention risk as producers compare platforms against instant-rail experiences
1-3 FTE running AP and reconciliation in spreadsheets at $50-200M GMV — every new corridor is a 3-6 month lift
Local rails + embedded wallets, wired into your marketplace ledger
Additive to amnis, Wise, and Airwallex — not a replacement
Local rails, not SWIFT
Payouts go out on ACH (US), PIX (Brazil), SEPA (EU), and SPEI (Mexico) — skipping the SWIFT leg and its per-payment fee entirely.
Embedded wallet per supplier
Each producer gets a multi-currency wallet balance inside your marketplace. Pending funds are visible — no more "where is my payment" tickets.
100ms settlement
Producer-country instant rails clear in ~100ms. Replaces the T+3-5 SWIFT baseline for supported corridors.
Marketplace-ledger integration
Reconciliation surfaces in your platform via API, not your CFO's inbox. One source of truth across marketplace fees, supplier balances, and FX.
Sits below your treasury tool
Keep amnis, Wise, or Airwallex for multi-currency accounts and FX forwards. Oncade replaces only the last-mile rails and per-supplier ledger.
Trade-finance ready
Wallet primitive supports prepayment and grower-capital shapes — book against FOB value without forking your AP stack.
Outcomes CFOs and treasurers measure
Metric-anchored — not faster-payouts hand-waving
Zero SWIFT fee per payout on supported corridors
Cut $20-40 per producer payout to zero on ACH / PIX / SEPA / SPEI corridors. A 500-producer monthly cycle retires $10-20k/month of pure fee drag.
Five-digit annual FX savings at $10-50M GMV
Benchmarked against the Algrano-shape baseline when marketplaces move from banks to modern rails. Savings scale linearly with GMV and corridor mix.
T+3-5 → 100ms on supported rails
90%+ on-time sub-second settlement is the pilot success metric. Faster settlement shows up as fewer support tickets and measurable supplier-retention lift.
Retire the reconciliation spreadsheet
Per-supplier wallet balances and API-driven ledger collapse the AP + reconciliation load. Redeploy FTE hours from chasing drift to closing books.
Built for vertical B2B marketplaces
Direct-trade platforms settling cross-border to producers in LATAM, Africa, and Asia
Green Coffee Marketplaces
Direct-trade platforms matching roasters with producers. Settle into producer-country rails, retire the per-payment SWIFT fee on small tickets.
Specialty Cocoa Platforms
Africa- and LATAM-origin cocoa direct-trade. Embedded wallet per producer means pending funds are visible — fewer "where is my payment" tickets.
Ag Commodity & Ingredients
Nuts, oils, grains, specialty food ingredients with cross-border settlement. Marketplace-ledger API replaces the finance team's spreadsheet.
Seafood & Africa Ag
Wholesale seafood and Africa-origin farmer-to-buyer platforms. Domestic-plus-export payouts on a single ledger, usage-based pricing on settled volume.
How Oncade Compares
Last-mile supplier settlement for vertical B2B marketplaces
| Capability | SWIFT + Spreadsheet | Treasury tool (amnis / Wise) | Oncade |
|---|---|---|---|
| Settlement speed | T+3-5 | T+2-3 | 100ms |
| Per-payment SWIFT fee | $20-40 | Variable | $0 on supported rails |
| Local rails (PIX / SPEI / SEPA / ACH) | No | Partial | Native |
| Embedded supplier wallet | No | No | Yes |
| Marketplace-ledger integration | Manual | No | API-native |
| Shape | DIY | Treasury layer | Marketplace last-mile |
Additive, not replacement
Oncade sits below treasury (amnis, Wise, Airwallex) and above raw banks. Keep your FX partner; retire the SWIFT last-mile tax and the reconciliation spreadsheet.
Built for vertical B2B marketplaces
If you settle cross-border to producers and your CFO can quote the SWIFT line, this is for you
Vertical coffee marketplaces — direct-trade green coffee platforms matching roasters and producers
Cocoa and specialty ag marketplaces settling into Africa and LATAM producer countries
Ag commodity and ingredients marketplaces — nuts, oils, grains, specialty food ingredients
Seafood B2B marketplaces with cross-border supplier settlement
Africa-origin farmer-to-buyer platforms with domestic-plus-export payouts
$10-200M GMV, 10-80 employees, already on a treasury tool and feeling the last-mile cost
Oncade is additive to your treasury stack — amnis, Wise, and Airwallex stay; the SWIFT last-mile tax goes.
One corridor. ~50 producers. 60-90 days.
Usage-based pricing on settled volume. Measure settlement speed and fee/FX savings vs your current baseline.
Pick an origin corridor
Brazil (PIX), Colombia (ACH), EU (SEPA), or Mexico (SPEI) — whichever matches your heaviest supplier footprint. We confirm rail coverage before scope.
Integrate wallet SDK + API
Embed the supplier-wallet primitive in your marketplace and wire settlement through our API. Marketplace-ledger shape, not invoice-driven AP.
60-90 days, measure against baseline
Success is 90%+ on-time sub-second settlement plus measurable FX and fee savings vs your current SWIFT + treasury-tool stack. Bps pricing on settled volume.
We confirm corridor and licensed-entity coverage before committing to a pilot.
One corridor. ~50 producers. 100ms — or we admit it didn't land.
For CFOs and heads of treasury at vertical B2B marketplaces settling cross-border to suppliers.
We'll walk your current stack and confirm corridor coverage on the call.