For many investment firms, managing multi-layered investment structures within traditional banking infrastructure is a constant challenge. One such firm, a prominent player in the investment industry in Switzerland, struggled with inefficiencies that slowed down cash flow, introduced operational risks, and increased capital costs.

Like many firms in the industry, this investment company faced significant hurdles:

• Delays in Payment Processing: Batch-based payments caused excessive lead times, affecting fund closings and dividend distributions.

• Lack of Transparency: Randomly assigned IBAN numbers led to confusion and misallocated payments.

• Multiple Bank Accounts Across Institutions: A fragmented financial setup created friction and search missions for monies in transition.

• Risk of Fraud and Human Error: Manual processes increased the risk of mistakes and security breaches.

With a growing portfolio and increasing complexity, the firm needed a faster, more secure, and transparent payment solution.

After extensive evaluation, the firm selected YAPEAL as their payment technology partner. YAPEAL’s digital payment infrastructure provided:

• Dedicated Accounts for Every Legal Entity: Each investment structure entity was assigned a unique YAPEAL account, making fund flows fully traceable.

• Customized IBANs for Clearer Transactions: The ability to assign specific IBANs reduced reconciliation errors and simplified auditing.

• Instant Payment Processing: Payments were executed in real-time, eliminating delays that previously took days.

• Centralized Administration: A single, streamlined interface enabled administrators to trigger and track transactions seamlessly.

• Automated and Pre-Scheduled Payments: Real-time cash flow visibility allowed for better planning and liquidity management.

• Significant Cost Savings: Reduced administrative burden, lower transaction fees, and optimized FX handling led to substantial financial gains.

Since implementing YAPEAL’s solution, the firm has achieved:

• Near-Instant Transactions: Payment execution now happens in real-time, removing excessive lead times and uncertainties in the payments schedule.

• Greater Transparency & Compliance: A clear audit trail and automated reporting improve regulatory adherence.

• Enhanced Operational Efficiency: Less manual intervention means resources can focus on strategic initiatives.

• Cost Reductions: Lower fees and better FX rates contribute to increased profitability.

• Improved Risk Management: Fraud risks and human errors are significantly minimized.

Thanks to YAPEAL’s advanced payment technology, the firm has not only streamlined its operations but also strengthened its market position by offering faster and more reliable financial services to its investors.

YAPEAL continues to revolutionize digital finance, empowering investment firms with innovative, real-time payment solutions that drive efficiency and profitability.