Tokenized Trade Finance for Agribusiness.

Challenge: Trade Finance operations in agribusiness still involve fragmented processes, multiple intermediaries, complex logistics documentation, and low integration between financial, commercial, and operational systems. This scenario increases costs, reduces traceability, and limits access for small and medium-sized producers to more efficient financing and international trading mechanisms.

What was done: 7COMm worked on the technological development of a DLT-based Trade Finance platform focused on tokenization, interoperability, and process automation. The solution enabled agricultural commodities to be represented as digital assets, structured negotiations within a marketplace environment, used smart contracts to automate stages of the commercial flow, and integrated logistics events such as the issuance and transfer of the electronic bill of lading.

Mechanisms were also implemented to enable programmable payments, foreign exchange operations, Delivery versus Payment (DvP) and Payment versus Payment (PvP) settlement, as well as integrations with financial and logistics environments through interoperability technologies. The architecture also included privacy-by-design, security, and traceability features, essential for regulated and high-value operations.

Results: The pilot validated the technical feasibility of an international Trade Finance platform supported by DLT, connecting real asset tokenization, logistics automation, and programmable financial settlement within a single digital journey.

In a testing environment, the solution simulated the tokenization of 5,000 tons of soybeans in a BRL 10 million transaction. Of this amount, BRL 5 million was initially paid to the producer as an advance through ACE. At the end of the operation, the remaining settlement of BRL 4.9 million was completed, already considering the financial discount associated with the advance payment.

The BRL 100 thousand difference between the total transaction amount and the payments made to the producer represents the final settled amount after deducting the advance payment and interest rates, corresponding to the financial cost/interest of the advance operation.

The project also demonstrated the successful execution of DvP, PvP, and FX flows, reinforcing the potential of the technology to increase efficiency, transparency, operational control, and trust across global agribusiness supply chains.