{"id":132,"date":"2026-02-24T17:52:41","date_gmt":"2026-02-24T17:52:41","guid":{"rendered":"https:\/\/www.valnotra.com\/?page_id=132"},"modified":"2026-03-06T04:36:15","modified_gmt":"2026-03-06T04:36:15","slug":"why-valnotra","status":"publish","type":"page","link":"https:\/\/www.valnotra.com\/?page_id=132","title":{"rendered":"Why Valnotra"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;hero-banner&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/www.valnotra.com\/wp-content\/uploads\/2026\/02\/home-hero-1.png&#8221; background_position=&#8221;bottom_center&#8221; height=&#8221;640px&#8221; height_tablet=&#8221;640px&#8221; height_phone=&#8221;500px&#8221; height_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_css_main_element=&#8221;display: flex;||&#8221; custom_css_after=&#8221;display: none;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Why Valnotra&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; title_text_align=&#8221;center&#8221; title_font_size=&#8221;72px&#8221; title_line_height=&#8221;86.4px&#8221; module_alignment=&#8221;center&#8221; custom_css_main_element=&#8221;background: linear-gradient(270deg, #2479E9 0%, #00D273 50%, #2479E9 100%);||background-clip: text;||-webkit-background-clip: text;||-webkit-text-fill-color: transparent;||width: fit-content;||margin: 0 auto;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; custom_padding=&#8221;96px||96px||true|false&#8221; custom_padding_tablet=&#8221;80px||80px||true|false&#8221; custom_padding_phone=&#8221;60px||60px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||gap: 40px;&#8221; custom_css_after=&#8221;display: none;&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column;||gap: 24px;&#8221; custom_css_main_element_phone=&#8221;display: flex;||flex-direction: column;||gap: 24px;&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;The problem&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h3&#8243; title_font_size=&#8221;40px&#8221; title_line_height=&#8221;56px&#8221; custom_margin=&#8221;||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Payments are still largely disconnected from the business events that trigger them.<\/p>\n<p>In most enterprise environments, invoices, approvals and settlement decisions occur within structured workflows \u2014 yet payment execution often happens separately, with limited context and manual reconciliation.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;right-grid&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;This disconnection increases:&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h4&#8243; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;24px&#8221; title_line_height=&#8221;36px&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb title=&#8221;Operational cost&#8221; image=&#8221;https:\/\/www.valnotra.com\/wp-content\/uploads\/2026\/02\/cost.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;64px&#8221; module_class=&#8221;two-word-title&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;27px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_css_blurb_image=&#8221;width: 64px;||margin-bottom: 0px;&#8221; custom_css_blurb_content=&#8221;display: flex;||align-items: center;||margin: 0;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][et_pb_blurb title=&#8221;Reconciliation effort&#8221; image=&#8221;https:\/\/www.valnotra.com\/wp-content\/uploads\/2026\/02\/effort.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;64px&#8221; module_class=&#8221;two-word-title&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;27px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_css_blurb_image=&#8221;width: 64px;||margin-bottom: 0px;&#8221; custom_css_blurb_content=&#8221;display: flex;||align-items: center;||margin: 0;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][et_pb_blurb title=&#8221;Settlement risk&#8221; image=&#8221;https:\/\/www.valnotra.com\/wp-content\/uploads\/2026\/02\/risk.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;64px&#8221; module_class=&#8221;two-word-title&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;27px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_css_blurb_image=&#8221;width: 64px;||margin-bottom: 0px;&#8221; custom_css_blurb_content=&#8221;display: flex;||align-items: center;||margin: 0;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][et_pb_blurb title=&#8221;Working-capital friction&#8221; image=&#8221;https:\/\/www.valnotra.com\/wp-content\/uploads\/2026\/02\/friction.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;64px&#8221; module_class=&#8221;two-word-title&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;27px&#8221; custom_css_blurb_image=&#8221;width: 64px;||margin-bottom: 0px;&#8221; custom_css_blurb_content=&#8221;display: flex;||align-items: center;||margin: 0;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;96px||96px||true|false&#8221; custom_padding_tablet=&#8221;80px||80px||true|false&#8221; custom_padding_phone=&#8221;60px||60px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||gap: 40px;&#8221; custom_css_after=&#8221;display: none;&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column-reverse;||gap: 24px;&#8221; custom_css_main_element_phone=&#8221;display: flex;||flex-direction: column-reverse;||gap: 24px;&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;The shift&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h3&#8243; title_font_size=&#8221;40px&#8221; title_line_height=&#8221;56px&#8221; custom_margin=&#8221;||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>With increasing digitisation, and the move to a digital economy, enterprise and business commerce is increasingly conducted within trusted digital business networks.<\/p>\n<p>Standards such as ISO 20022, EDI and Peppol, and the enterprise platforms that support them, have digitised payments, procurement, invoicing and approval processes. However, payment initiation and value exchange have not evolved at the same pace within these networked environments.<\/p>\n<p>There is a growing need for payment capability that operates within these networks, not alongside them.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;40px|80px|40px|80px|true|true&#8221; custom_padding_tablet=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_phone=&#8221;20px|20px|20px|20px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;border-radius: 16px;||background: rgba(255, 255, 255, 0.05);&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"val-lottie\"<!-- [et_pb_line_break_holder] -->     data-lottie=&#8221;\/wp-content\/themes\/Divi-Child\/assets\/lottie\/WHY-VAL\/31\/WHYVAL.json&#8221;<!-- [et_pb_line_break_holder] -->     data-loop=&#8221;true&#8221;<!-- [et_pb_line_break_holder] -->     data-autoplay=&#8221;true&#8221;><\/div>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;96px||96px||true|false&#8221; custom_padding_tablet=&#8221;80px||80px||true|false&#8221; custom_padding_phone=&#8221;60px||60px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||gap: 40px;&#8221; custom_css_after=&#8221;display: none;&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column;||gap: 24px;&#8221; custom_css_main_element_phone=&#8221;display: flex;||flex-direction: column;||gap: 24px;&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code module_class=&#8221;lottie-280h&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;40px|80px|40px|80px|true|true&#8221; custom_padding_tablet=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_phone=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;border-radius: 16px;||background: rgba(255, 255, 255, 0.05);&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"val-lottie\"<!-- [et_pb_line_break_holder] -->     data-lottie=&#8221;\/wp-content\/themes\/Divi-Child\/assets\/lottie\/WHY-VAL\/32\/WHYVAL.json&#8221;<!-- [et_pb_line_break_holder] -->     data-loop=&#8221;true&#8221;<!-- [et_pb_line_break_holder] -->     data-autoplay=&#8221;true&#8221;><\/div>\n<p>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Our approach&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h3&#8243; title_font_size=&#8221;40px&#8221; title_line_height=&#8221;56px&#8221; custom_margin=&#8221;||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Valnotra has been established to embed payment and value exchange directly into enterprise workflows and digital business networks.<\/p>\n<p>By aligning payment execution with verified business events, Valnotra helps ensure that money, data and obligations move together, in a controlled, auditable and compliant manner.<\/p>\n<p>Valnotra operates as a platform and enablement layer, designed to work in partnership with regulated financial institutions.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;96px||96px||true|false&#8221; custom_padding_tablet=&#8221;80px||80px||true|false&#8221; custom_padding_phone=&#8221;60px||60px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Why this matters&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h3&#8243; title_text_align=&#8221;center&#8221; title_font_size=&#8221;40px&#8221; title_line_height=&#8221;56px&#8221; custom_margin=&#8221;||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|600|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.8)&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;36px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Embedding payment within business networks can:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_css_main_element=&#8221;gap: 24px;||&#8221; custom_css_after=&#8221;display: none;&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;display: grid;||grid-template-columns: repeat(2, 1fr);||gap: 24px;&#8221; custom_css_main_element_phone=&#8221;display: grid;||  grid-template-columns: repeat(1, 1fr);||  gap: 24px;&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;48px|24px|48px|24px|true|true&#8221; custom_css_main_element=&#8221;border-radius: 16px;||border: 1px solid rgba(0, 210, 115, 0.35);||background: linear-gradient(180deg, rgba(0, 210, 115, 0.20) 0%, rgba(0, 0, 0, 0.00) 100%);&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|desktop&#8221; custom_css_main_element_tablet=&#8221;width: 100% !important;||border-radius: 16px;||border: 1px solid rgba(0, 210, 115, 0.35);||background: linear-gradient(180deg, rgba(0, 210, 115, 0.20) 0%, rgba(0, 0, 0, 0.00) 100%);&#8221; custom_css_main_element__hover_enabled=&#8221;on|hover&#8221; custom_css_main_element__hover=&#8221;border-radius: 16px;||border: 1px solid rgba(0, 210, 115, 0.35);||background: linear-gradient(180deg, rgba(0, 210, 115, 0.20) 0%, rgba(0, 0, 0, 0.00) 100%);||box-shadow: 0 0 50px 0 rgba(0, 210, 115, 0.50);&#8221; 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