Digital negotiable instruments
your legal, compliance, and IT teams can all say yes to.
Trade finance teams face a constant balancing act — driving efficiency, meeting regulatory demands, and reducing risk — often while dealing with paper-based processes, legacy systems, and internal resistance to change.
Enigio delivers a way forward: legally compliant, digitally native documents you can send to any counterparty, without forcing them to change systems or sign up. Cut the paper – keep the trust.
Structured data, stronger trust
Today, most data is extracted from scanned paper using optical character recognition. Everyone repeats the same manual, error-prone process — again and again. This must change.
With Enigio, documents are created digital at source, with fully accurate, fraud safe, structured data embedded, accessible by anyone at any point in the chain.
Electronic exchange of value
In trade finance, holding title to goods or the promise of payment is essential. Equally important is the ability to transfer those rights.
With trace:original, this can now be done electronically with any counterparty, without new systems, rule books, or signups.
Interoperability – what about the others?
For a digital solution to be better than paper, it's not enough to be instant. It needs to be accepted by anyone, anywhere.
That's why Enigio focuses on true digital interoperability. Create the electronic document yourself; send it to whoever you want instantly.
Use cases
Bills of exchange
One of the most powerful forms of payment, supercharged for the digital age.
Guarantees
One of the most powerful forms of payment, supercharged for the digital age.
Promissory notes
One of the most powerful forms of payment, supercharged for the digital age.
Pioneering Africa’s first digital bill of exchange under English law
In a landmark step for African trade digitalisation, Mercore partnered with Tradeable House Africa to complete its first digital bill of exchange facility, enabling a Kenyan exporter to expand sales into Belgium and the EU. The transaction, financed by Mercore Capital, was underpinned by digital receivables agreements drafted by Sullivan & Worcester UK LLP and executed under English law through the Electronic Trade Documents Act 2023. This collaboration showcases how Mercore and Sullivan are advancing financial inclusion and sustainability by replacing paper-based trade instruments with faster, more resilient digital solutions.
Why trade finance teams choose Enigio
"Digitalisation requires the whole trade chain to take part, simply digitalising one link or one island will not serve anyone"
— Gunnar Collin, Director, Enigio
Interoperability, standards & compliance
Built on open standards and aligned with global frameworks (MLETR, eUCP, eURC). Enigio integrates with existing networks and software providers, supports any document type, and ensures compliance across jurisdictions.
