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eMACH.ai
Trade Finance
AI-First, Connected Trade Finance at Enterprise Scale
Modernize trade finance operations with a unified, digital trade finance platform that accelerates processing, reduces risk and improves transparency across the trade lifecycle
Case study
Built for High-Value, High-Risk Trade Operations
Trusted by banks to digitize trade finance processes while ensuring compliance, control, and operational resilience.
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PBCs – Packaged Business Capabilities
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Microservices
95
APIs
97
Events
The Credit Card Landscape in India is Being Reshaped
Design your onboarding to win
5M+ Process Millions of Transactions Without Scaling Headcount
- 99%+ STP
- 3 days → 40 minutes
- 8 Digital Experts
60% Cut Compliance Costs 60% While Improving Detection
- 85% fewer false positives
- $25M-$42M savings
- Real-time AML/TBML
- Audit trails
$2.5T Capture $2.5T in Untapped Trade Finance Opportunity
- MSME onboarding
- Minutes vs days approval
- 30+ countries on one platform, 30%+ growth
85% Modernize from Traditional LCs to Open Account at Scale
- All trade products
- 85% open account
- €15M+ income increase
- Modular deployment
100% Meet Regulatory Requirements Across All Jurisdictions
- UCP 600/ISBP/URC/ISP compliance
- Auto cross-checking
- ESG integration
Trade finance challenges
Manual processes. Compliance complexity. Legacy systems.
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Manual document processing
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Compliance costs
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Legacy system limitations
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Revenue pressure
Trade Finance Demands Speed, Control, and Trust
Global trade is growing in complexity, volume, and regulatory scrutiny. Manual, paper-heavy processes slow turnaround times, increase operational risk, and limit visibility for banks and corporates alike.
Faster Turnaround Times
Digitize document handling and approvals to reduce processing cycles significantly.
Reduced Operational Risk
Minimize errors and fraud through standardized, rule-driven workflows.
Improved Client Experience
Offer corporates greater transparency and faster responses across trade transactions.
Regulatory & Compliance Confidence
Ensure adherence to global trade regulations with built-in controls and audit trails.
A Unified, AI-First, Composable, End-to-End Digital Trade Finance Platform
eMACH.ai Trade Finance is a comprehensive, enterprise-grade platform that supports the complete trade lifecycle—from initiation and document handling to settlement and reporting.
Designed for corporate and transaction banking teams, the solution digitizes traditional trade instruments while maintaining rigorous control and compliance.
With configurable workflows, digital document management, and seamless integration with payments, escrow, and liquidity systems, the platform enables banks to process trade transactions efficiently and transparently.
By reducing manual intervention and increasing straight-through processing, Trade Finance becomes a scalable, client-centric service rather than an operational bottleneck.
In the current landscape, traditional trade finance is under immense pressure, with revenue eroding as legacy systems fail to scale or integrate with the modern digital ecosystem.
eMACH.ai Trade Finance eliminates these bottlenecks by replacing paper-based, error-prone manual processes with an AI-native architecture. By embedding eight purpose-built Digital Experts and a global “M-Aware” multi-country framework, we empower banks to reduce processing times from days to minutes and cut compliance costs by 60%—transforming trade finance from a legacy operational burden into a high-velocity growth engine.
Top quadrant (Gartner, IDC, Forrester, Celent)
Process $10B+ in trade transactions. Or your first LC. Flawlessly.
Front-End Digital Engagement Platform
Modern UX, multi-lingual, SSO, real-time notifications
Core Trade Finance Back-Office
Complete product lifecycle, SWIFT messaging, workflow orchestration, limit management
Purple Fabric Embedded AI Layer
8 Digital Experts, Enterprise Knowledge Garden, LLM Optimization Hub, Enterprise Governance
Purpose-Built Capabilities for Modern Trade Finance
An AI First, composable platform designed for the entire trade lifecycle, enabling STP and delivering real-time transparency helping banks service clients faster while managing risk effectively
1. Comprehensive Products Coverage
- Import Services (Import LCs, Bills under LCs, Import Collections)
- Export Services (Export LCs, Transfer LCs, Bills under Export LCs, Bills under Transfer LCs, Export Collection)
- Trade Loans (Trust Receipt, Import Loans, Export Loans, Export Negotiation, Pre Shipment Finance, FI Loans)
- Guarantees & SBLCs (Outward Bank Guarantee, Outward SBLC, Inward Bank Guarantee, Inward SBLC, Shipping Guarantee)
- Islamic Services (Islamic LCs, Bills under Islamic LCs, Islamic Import & Export Collection, Islamic Trade Loans)
Business Impact
Consolidate all traditional and modern trade products including Islamic products on a single platform, increasing income and superior customer experience
2. Flexible Lifecyle Management
- Issuance / Advising
- Amendment / Adjustments
- Document Presentment / Booking
- Acceptance
- Loan Lifecycle Management
- Claims, Settlements / Retirement
- Closure / Cancellation
- Delinquency Management
Business Impact
Extensible and Configurable business workflows across the entire lifecycle enabling banks to streamline their operations effectively, thereby reducing cost and enabling superior customer experience
3. AI Trade Documents Scrutiny
- Capture, validate, and process trade documents digitally with full traceability
- Automatically cross-checks document presentations against LC Terms and UCP 600 standards and ISBP 745 Guidelines with real-time descrepancies
- Screen transactions for dual-use goods, sanctions, and suspicious transaction networks
Business Impact
- Reduces document errors by 80% and accelerates the scrutiny cycle significantly
- Achieve an 85% reduction in false positives, resulting in significant annual compliance savings
4. Transaction Digitization
- Configure maker-checker workflows and approvals across trade processes
- Smart Data Capture auto-classification of trade documents and extraction of data with 90%+ accuracy
Business Impact
80% reduction in manual data entry, allowing for massive volume increases without scaling headcount
5. Risk & Compliance Controls
- Embedded checks for sanctions, limits, and trade regulations
- Flags issues at the issuance stage to ensure LCs are workable and compliant
- Multi-entity risk distribution with advanced multi-tier limit management and originate-to-distribute strategy tools
Business Impact
- Increased risk mitigation
- Reduces capital allocation requirements and improves Return on Equity by distributing trade assets to investors
6. Integration with Payments & Escrow
- Seamlessly connect trade transactions to payments, escrow deposits, and liquidity positions
Business Impact
Enable STP operations for the trade transaction thereby reducing errors and reducing cost
7. Dashboards & Reporting
- Real-time visibility into trade pipelines, exposures, and operational performance
Business Impact
Actionable Insights to monitor the trade journeys with timely nudges to provide superior customer experiences
Why the world’s top banks choose the eMACH.ai Trade Finance
Deliver faster, safer and more transparent trade finance operations with a modern, digital platform.
M-Aware Multi-Country Framework
The Difference: A true multi-country, multi-entity, multi-currency, multi-lingual, multi-segment solution that allows for a “deploy once, expand by configuration” model.
The Advantage: You can scale trade finance globally across 30+ markets without the complexity of building separate systems for each. New countries can be live in as little as 12 weeks.
AI First, 8 Trade Finance Digital Experts
The Difference: Purpose-built AI digital expert agents—from “Document Classification, “Document Extraction”, “Document Scrutiny” to “AML/TBML” -that work together to automate the entire trade lifecycle.
The Advantage: These digital experts understand the trade finance context and UCP and ISBP regulations and guidelines, enabling 90%+ straight-through processing and reducing processing times from 3 days to just 40 minutes.
Scalable, Composable, Cloud-Native Architecture
The Difference: Built from the ground up using microservices and an API-first design, avoiding the limitations of cloud-hosted legacy code.
The Advantage: Add new capabilities or localised compliance features without complete system rewrites, ensuring a future-proof investment with no vendor lock-in.
Integrated Risk Management & Asset Distribution
The Difference: Sophisticated tools to manage multi-tier limits and distribute trade/SCF assets to third-party investors.
The Advantage: Banks can implement an “Originate-to-Distribute” strategy, reducing regulatory capital requirements and stretching credit lines to take on more high-value deals.
Enterprise Knowledge Garden
The Difference: Decades of trade finance domain expertise, including UCP 600, ISBP 745, URC 522 and ISP 98 are embedded directly into the core trade finance platform.
The Advantage: Regulatory and compliance safeguards are automatically applied to every transaction, ensuring 100% compliance across all jurisdictions.
Sustainable "Green Finance" Integration
The Difference: A dedicated ESG Digital Expert provides automated ESG scoring, pricing and limits and aligns transactions with UN SDGs and bank policies.
The Advantage: Future-proofs your trade operations against evolving sustainability mandates and allows for ESG-linked pricing and limit management.
Reimagine Trade Finance Operations with AI-Native intelligence
AI First operations across your entire trade finance user journeys eliminating errors and improving efficiency
Trade Onboarding Digital Expert
AI-assisted onboarding, self-service for corporates/MSMEs, KYC assistance.
Transaction Digitization Expert
Auto-classifies documents, extracts structured data, 90%+ accuracy, 80% less manual entry.
ESG Digital Expert
ESG scoring, green financing, sustainable trade, UN SDGs alignment.
BG Vetting Digital Expert
Guarantees/SBLCs compliance at issuance, ISP98/URDG 758 checks.
Document Scrutiny Digital Expert
Cross-checks against LC terms, UCP 600, ISBP 745, real-time discrepancies.
AML/TBML DIgital Expert
Dual-use goods detection, sanctions screening, 85% fewer false positives, $25M+ savings.
LC Workability Digital Expert
Flags issues at issuance, ensures workable LCs, prevents downstream disputes.
Insights Digital Expert
Real-time dashboards, SLA tracking, trends, RM insights, cross-sell opportunities.
Frequently Asked Questions
What trade finance products are supported ?
eMACH.ai Trade Finance platform supports all major trade finance products including Documentary Credits (Import/Export LCs), Bank Guarantees, Standby LCs, Documentary Collections (D/P and D/A), Trade Loans, Pre/Post-shipment Finance, Packing Credit, Export Credit, and Receivables Discounting. All products are built with full regulatory compliance including UCP 600, ISBP 745, URC 522, and ISP98.
How does the "M-Aware" trade finance platform simplify global trade operations ?
Traditional global deployments require separate systems for every market, leading to fragmented views and high complexity.
Our M-Aware framework allows you to deploy a single platform once and expand to 30+ countries through simple configuration.
You get localized compliance, currency, and language support built-in, with a centralized global dashboard for all markets.
What is Purple Fabric AI and how does it differ from standard OCR ?
Purple Fabric is Intellect’s Open Business Impact Enterprise AI Platform, The Trade Finance Platform has designed and built 8 Trade Finance Digital Experts that automate complex tasks like customer onboarding, credit checks, document classification, document extraction, document discrepancy checks against LC and SBLC, workability checks, early warning signals (EWS), scrutiny, AML/TBML checks, and ESG scoring.
While OCR merely reads text, these experts understand trade context, cross-checking data against bank policies and international standards.
Can the platform automate the scrutiny of documents against LC terms ?
Yes. The Transaction Scrutiny Digital Expert automatically cross-checks presented documents against specific Letter of Credit terms and regulatory standards like UCP 600 and ISBP 745.
This identifies discrepancies in real-time, reducing document errors by 80% and accelerating processing from 3 days to just 40 minutes.
How does the solution help reduce compliance and AML costs ?
The AML/TBML Digital Expert performs real-time screening for dual-use goods, sanctions, and suspicious transaction networks.
By improving detection accuracy, it reduces false positives by 85%, which can result in annual compliance savings of between $10M and $20M for Tier-1 institutions.
What about compliance with UCP 600, ISBP 745, URC 522 ?
Compliance is built into the core of eMACH.ai Trade Finance through our embedded ai capabilities which codifies decades of trade expertise.
All regulatory frameworks including UCP 600, ISBP 745, URC 522, and ISP 98 are embedded in the platform as enterprise digital experts.
Our Document Scrutiny Expert automatically cross-checks every transaction against these standards, ensuring 99%+ straight-through processing rates.
Is it possible to deploy only the PF Trade AI layer on top of our existing legacy systems ?
Yes. eMACH.ai Trade Finance is modular and composable. You can deploy just the PF Trade Finance Digital Experts on top of your existing trade finance systems, implement the front office only, back office only, or go with a comprehensive solution.
Our M-Aware Framework supports multi-country (30+ markets), multi-entity, multi-currency, and multi-lingual deployments, making integration flexible.
Will it integrate with our core banking, treasury, payments systems ?
Absolutely. eMACH.ai Trade Finance integrates with existing core banking, treasury, and payments systems.
We have a partner ecosystem including Conpend, Coriolis ESG, Enigio, Lexis Nexus, Ess Docs,
The platform is built to connect horizontal solutions across all actors in the trade finance ecosystem with 300+ pre-built integrations.
How does the system handle ESG and sustainability requirements ?
Our dedicated ESG Digital Expert provides automated ESG scoring and ensures transactions align with UN SDGs and green financing standards.
This allows banks to integrate sustainability into their trade finance pricing and limit management automatically.
What kind of straight-through processing (STP) rates can we expect ?
For workable transactions, the platform achieves STP rates of 95%+.
This is driven by our LC Workability Digital Expert, which flags issues at the issuance stage to prevent downstream disputes and ensure the transaction can flow through the system without manual intervention.
Delivering Tangible Impact Across Global Banks
Global Bank Digitizes Trade Operations
A leading global bank implemented Intellect’s Trade Finance platform to digitize LC and guarantee workflows—reducing turnaround times, improving transparency, and strengthening compliance across trade operations.
Transaction Bank Scales Trade Finance Services
By adopting a unified trade finance platform, a transaction bank streamlined document handling and approvals—enhancing client satisfaction while improving operational efficiency and risk control.
Recognized Excellence
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