The problem
Payments are still largely disconnected from the business events that trigger them.
In most enterprise environments, invoices, approvals and settlement decisions occur within structured workflows — yet payment execution often happens separately, with limited context and manual reconciliation.
This disconnection increases:
Operational cost
Reconciliation effort
Settlement risk
Working-capital friction
The shift
With increasing digitisation, and the move to a digital economy, enterprise and business commerce is increasingly conducted within trusted digital business networks.
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.
There is a growing need for payment capability that operates within these networks, not alongside them.
Our approach
Valnotra has been established to embed payment and value exchange directly into enterprise workflows and digital business networks.
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.
Valnotra operates as a platform and enablement layer, designed to work in partnership with regulated financial institutions.
Why this matters
Embedding payment within business networks can:
Reduce reconciliation and exception handling
Improve settlement predictability
Support stronger governance and auditability
Enable future regulated value-exchange use cases
For banks and financial institutions, this approach enables participation in payment flows at the point of business decision, without changing core infrastructure.
Why now
