The bank guarantee you already trust. Now born digital.
trace:original replicates today's bank guarantee process end to end. Same rules, same counterparties, same systems. Just no paper.
How bank guarantees work today
Applicants
get no visibility on timing, no say on format, and no idea when their limit frees up.
Issuing banks
get stuck with paper that blocks straight-through processing, or a PDF that isn't legally an original either.
Beneficiaries
inherit the same delays and costs, plus a document no machine can read and few fully trust.
What changes with Enigio
Applicants get:
- Full visibility on lead time, right through to release of the bank's limit.
- One schema, agreed once with the beneficiary, usable regardless of which bank issues.
- Nothing new to onboard. Our trace:original technology fits into what's already in place.
Issuing banks get:
- Instant issuance. No printing, no couriers, no scanning things back into the system.
- One solution for every beneficiary, sent however they want it: email, SWIFT, or their own platform.
- A stronger asset for the beneficiary than a plain signed PDF.
- No onboarding. Already accessible through several trade finance software providers.
- The choice to send the original or a verifiable copy, with every event on one record if the bank retains it.
Beneficiaries get:
- A genuine digital original, not a copy. Low cost, short lead times, no dependency on any one bank or platform.
- A document that's machine-readable if a schema is agreed with the applicant.
- The option to hold a verifiable copy day to day, while the bank keeps the original.
Built to travel
Only the issuing bank needs to be an Enigio customer. Once the guarantee exists, it travels freely to anyone, on any system, with no account required.
One PDF, readable by people and machines, built for straight-through processing.
Secure by design
Traceability
A full audit trail of every event in the document.
Data ownership
No business or personal data shared or stored outside the guarantee itself.
Transparency
Visibility across the transaction cycle, for every party
Storage
Held by whoever owns it, with digital back-ups where needed.
Protection
Only the party in possession can add content, transfer it, or invalidate it.
Authenticity
Verifiable by anyone, any time.
Ditch the paper, keep the trust.
Leave your details and we’ll get in touch to show you how to cut the costs, risks, and delays of paper documents — without losing legal certainty.
Let’s make your trade digital, secure, and seamless.
Frequently asked questions
Yes, though the exact basis depends on where you operate. In jurisdictions that have adopted MLETR or equivalent legislation, like the UK's Electronic Trade Documents Act, a trace:original guarantee has the same legal standing as paper, by statute. Elsewhere, it's enforceable through the same contractual mechanisms banks already rely on for electronic presentations, including ICC rules such as eUCP and eURC. trace:original itself is verified by the ICC's Digital Standards Initiative as a reliable system.