What we do
Our role
Valnotra enables payments and value exchange to be embedded within enterprise workflows and digital business networks.
Rather than treating payment as a downstream activity, Valnotra aligns payment execution with the business events that trigger it, such as invoice approval, payment authorisation and settlement events.
Embedded payments
Valnotra is designed to support payments integrated directly into procurement and supply-chain workflows, reducing friction, reconciliation cost and settlement risk.
Key characteristics include:
Alignment of payment initiation with verified business events
Support for Australia’s core payment infrastructure, including NPP and BECS, delivered in partnership with regulated financial institutions
Enterprise-grade security, governance and auditability
Valnotra operates as an enablement and orchestration layer and does not function as a payment scheme, clearing institution or settlement institution.
Network-based value exchange
Valnotra operates within established digital business networks, enabling money, data and obligations to move together – not as a disconnected process.
By working alongside network environments such as Peppol and enterprise integration platforms, Valnotra can:
Support structured payment initiation
Reduce reconciliation complexity
Lower operational and settlement risk
It is designed for expansion beyond procurement and the supply chain, into adjacent regulated payment flows, delivered in a measured and compliant manner.
Platform designed for regulated expansion
Valnotra is being designed to support future regulated value-exchange models, and emerging forms of digital settlement. This includes the ability to interoperate with regulated digital representations of money and value, including tokenised bank-issued instruments, where permitted by regulation and delivered in partnership with licensed financial institutions for:
Invoice-based funding and settlement optimisation
Working-capital enablement
Adjacent regulated payment and value flows
Valnotra does not originate credit, hold customer deposits or operate as a balance-sheet lender.
Enterprise-grade by design
Valnotra has been established with a long-term focus.
Core principles include:
Compliance-first architecture
Clear separation of roles and responsibilities
Designed to support bank, enterprise and network governance requirements
