Opportunity BasketReal-Time Settlement Cooperative for SMBs
A member-owned settlement cooperative that pools Canadian SMB payment flows to achieve real-time or same-day settlement by aggregating volume and negotiating direct access to Payments Canada's newer rails (like LVTS for high-value, or future RTGS infrastructure). Members deposit receivables into a shared settlement pool; the cooperative batches and clears them in real-time, then distributes funds to member accounts within hours instead of days. The cooperative captures float on the pooled funds and takes a small per-transaction fee.
40 weeks • 70% confidence
Value Proposition
Eliminates T+1 to T+3 settlement delays by leveraging collective bargaining power and direct access to faster rails; reduces working capital needs by 2–5 days; costs 40–60% less than chasing bank-level settlement products because cooperative members share infrastructure and compliance burden
Target Audience
Canadian SMBs (10–500 employees) in wholesale, manufacturing, B2B services, and logistics; companies with 50+ monthly transactions and >$500K annual payment volume
Key Features
- Pooled real-time settlement via LVTS or future RTGS access
- Member dashboard showing settlement status and float position in real-time
- Automated payroll and supplier-payment scheduling tied to settlement windows
- And more, with full implementation detail...
Tech Stack
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Sign up freeOriginal Problem
Canadian businesses and financial institutions struggle with slow, fragmented payment settlement causing cash flow delaysCanadian companies currently rely on legacy payment systems with delayed settlement times (often T+1 or longer), creating cash flow gaps and operational inefficiencies. Banks and fintech companies lack real-time payment infrastructure to compete with international standards, forcing businesses to wait days for funds to clear. This delays payroll processing, supplier payments, and customer refunds, directly impacting business operations and competitiveness.
Score: 47.7%