Use Cases

Cross-border liquidity workflows have historically been fragmented, costly, and slow. Pre-funding corridors, navigating compliance, and relying on intermediaries all introduce inefficiencies that block scale.

Mansa’s programmable liquidity layer changes this. With a single API, partners can borrow, disburse, draw down, and prove utilization of funds in real time—removing the need for capital buffers, manual processes, and settlement delays.

Remittances

Global money movement has always been restricted by high costs and slow settlement. Pre-funding corridors creates inefficiency: too much idle float means trapped capital, too little leads to missed payouts. Traditional remittance channels can take days or weeks, with fees cutting deep into user transfers.

With Mansa, PSPs and MTOs borrow on-demand in stablecoins, disburse into monitored wallets, and draw down directly into payout corridors. Proof of utilization ensures each dollar is tied to a real transaction, keeping flows compliant and auditable.

Impact: Remittance providers reduce corridor pre-funding by up to 70%, cut payout failures to near zero, and deliver faster, cheaper transfers to end users.

B2B Supplier Payments

SMEs paying overseas suppliers face timing mismatches between invoices, FX windows, and settlement cut-offs. Delays strain relationships, while pre-funding inflates working capital costs.

Mansa enables just-in-time borrowing and disbursement for supplier payouts. Funds are drawn down only when needed, with utilization proofs ensuring compliance. Businesses can settle suppliers instantly while reconciling repayments seamlessly once buyer funds arrive.

Impact: On-time supplier payments (≥ 99%), reduced aging on AP/AR, and stronger supply chain trust.

OTC & Market Makers (Large RFQs)

Trading desks responding to large RFQs often hold excess stablecoin inventory to stay competitive. This ties up capital and creates balance-sheet inefficiencies.

Mansa eliminates the need for idle float. On RFQ receipt, desks borrow instantly via the API, disburse into custody, and draw down for settlement. Once trades are completed, repayment is triggered seamlessly.

Impact: Higher RFQ hit rates, reduced inventory carry, and improved capital efficiency.

Exchange Hot-Wallet Top-Ups

Exchanges face unpredictable surges in withdrawal demand. Overfunding hot wallets is costly, but underfunding leads to user frustration, ticket volume, and churn.

Mansa’s API provides instant liquidity for hot-wallet top-ups. Borrow, disburse into custody, and draw down into hot wallets within minutes. Proof of utilization ensures every dollar is reconciled.

Impact: Faster queue clearance, minimal downtime, and reduced support burden.

Acquirer Settlement (Intraday)

Card acquirers must reconcile multiple settlement batches per day. Traditional rails create timing gaps, forcing acquirers to hold large buffers or miss settlement deadlines.

With Mansa, acquirers borrow per batch, disburse into their assigned wallets, and draw down to pay merchants. utilization proofs align liquidity directly with scheme settlement receipts.

Impact: Zero missed settlements and 30–40% reduction in float capital.

Global Payroll & Creator Payouts

Platforms paying global workforces or gig contributors face reputational risk if payroll is delayed. Maintaining large float buffers to cover paydays is costly and inefficient.

Mansa allows platforms to borrow just before payday, disburse into monitored wallets, and draw down for payouts across corridors. Proofs validate every transaction, and repayments are scheduled seamlessly.

Impact: Zero missed payouts, smoother payday operations, and higher workforce satisfaction.