T+0 Settlement & Treasury Operations
Accelerating corporate liquidity and automating ledger reconciliation.
The Capital Lockup Problem
In traditional acquiring, gross volume is aggregated by the processor, net fees are deducted, and the balance is wired to the merchant 3 to 7 days later (T+3). For an enterprise processing €1M daily, this represents a permanent working capital lockup of €3M - €7M.
The amount of capital locked in transit when using native A2A rails.
Instant Clearing Rails
Account-to-account payments bypass the acquirer entirely. Funds are pushed from the consumer's bank directly to the merchant's corporate treasury account via Real-Time Gross Settlement (RTGS) or near-RTGS systems.
| Scheme | Region | Max Value | Clearing Time |
|---|---|---|---|
| Faster Payments (FPS) | UK | £1,000,000 | Seconds |
| SEPA Instant | EU (Eurozone) | €100,000 | < 10 seconds |
Reconciliation via Unique Identifiers
A secondary benefit of A2A is deterministic reconciliation. Legacy bank transfers rely on users manually typing reference codes (which are often misspelled). Pisria programmatically injects a unique, immutable reference string into the payment intent API call. When the funds hit your bank, that exact string appears on your statement, allowing automated ledger matching.