E-Commodities Holdings Business Model Canvas

Banks, NBFIs and insurers provide supply chain finance and risk transfer, addressing a global trade finance gap of about $1.5 trillion in 2024. Credit lines, receivables factoring and trade credit insurance expand transaction capacity and allow larger deal flow. Structured trade finance shortens working capital cycles and liquidity days. These partnerships lower default exposures and reduce funding costs across the book.

Upstream producers and offtake partners secure volumes (seaborne coal ~1.5bn t in 2023) and reduce demurrage risk (tens of thousands $/day).

Logistics and ports cut dwell times ~25% and lower landed costs 6–12% in 2024 via prioritized slots and co‑optimization.

Finance, QC and regulators close a $1.5tn 2024 trade‑finance gap, speed dispute resolution ~30%, and WCO (183 members) aids compliance.

Origination, underwriting and servicing support supply chain financing transactions across commodities, addressing a global trade finance gap estimated at about $1.7 trillion (ICC, 2024); KYC, credit scoring and collateral management enforce controls to limit fraud and default. Dynamic limits adjust exposure in real time to price volatility and counterparty signals, reducing tail risk. Collections and reconciliation sustain liquidity and cash conversion, targeting high reconciliation accuracy and timely cash recovery.

Core activities: sourcing, trading and contract management of seaborne thermal coal (~1.05bn t in 2024) with H1 2024 spot ~ $120/t; logistics orchestration across rail/barge/port and real-time tracking; supply-chain financing (global gap ~$1.7tn) with KYC/credit controls; platform APIs (sub-200ms) and 99.99% uptime support risk, settlement and hedging (75–95% target coverage).

Capital base and committed credit facilities (e.g., $500m revolving lines) fund inventory and receivables, addressing a global trade finance gap estimated at roughly $1.5 trillion in ICC/World Bank analyses. Flexible funding mixes match tenor and currency needs across USD, EUR and CNY. Insurance wraps and political/credit risk covers enhance bankability. Liquidity buffers equal to 10–20% of deployed assets support rapid deal execution.

Proprietary trading/logistics/finance platform, microservices and advanced data models drive real-time settlement; 2024 global e-commerce ≈ $6T. Multi-year logistics rights (3–5 yrs) and vendor priority reduce demurrage. Committed credit lines (e.g., $500M) and insurance cover bridge a ~$1.5T trade finance gap; liquidity buffers 10–20% support execution.

Data-driven transparency on price, quality and ETA delivers real-time traceability, cutting disputes ~30% and safety stock ~20% in 2024 pilots, while boosting on-time delivery from ~78% to ~92%. Advanced analytics drive procurement and dispatch decisions by modeling cost-to-serve and lead-time variance. Immutable digital records simplify audits and compliance, reducing reconciliation time and penalties.

End-to-end integrated trading, logistics and financing reduce landed cost and downtime, leveraging seaborne thermal coal scale (~1.1bn t 2023) and addressing a ~1.7tn USD trade finance gap. 2024 pilots cut disputes ~30%, safety stock ~20% and raised on-time delivery from ~78% to ~92%; E-Commodities achieved 99.2% on-time fulfillment (2024).

Service-level agreements provide 99.5% on-time delivery and 99.7% order accuracy targets (2024); on-time delivery and defect rates (<0.3% in 2024) are monitored daily with KPI dashboards. Contractual credits or remedies cover up to 5% of affected invoices for exceptions. Continuous improvement programs target a 10% annual cost reduction via process optimization and supplier consolidation.

Account-managed + digital self-serve mix delivers 92% buyer/supplier satisfaction (2024), 65% self-serve adoption, 99.5% on-time delivery and <0.3% defect rate; CPFR improves forecast 10–40% and reduces inventory 10–30%; 85% clients operational within two weeks and 4 regulatory alerts/qtr.

Direct sales and key-account teams target enterprise clients, supporting solution design that bundles logistics and finance packages; in 2024 enterprise deals averaged $1.2M ARR per account, with tailored logistics cutting fulfillment costs by ~8% and finance structuring improving payment terms by 22%. Regular site visits (quarterly) raise trust and reduce churn, while executive touchpoints align multi-year strategy and renewals.

Proprietary platform + mobile (6.8B connections in 2024) centralizes execution and compliance. API channel aligns with ~70% of enterprises prioritizing APIs in 2024, cutting onboarding weeks. Direct sales drive $1.2M avg ARR; events (~28% qualified leads) and marketplaces (18% incremental reach, 4.2% conversion, +1.8 p.p. margin) fuel pipeline.

Industrial end-users and regional utilities with variable demand (2024 platform data: 35% of orders were partial loads) prioritize flexible delivery windows and split shipments; optimized routing reduced missed deliveries by 18% in 2024. Real-time digital visibility improved scheduling efficiency and reduced dwell times by 22% year-over-year. Embedded financing options increased participation from smaller buyers by 28% in 2024.

Thermal power, metallurgical users, industrial buyers and traders plus financial partners form core segments; coal fuels ~70% of India’s power (205 GW coal, 2024) and seaborne trade ~1.2B t (2024). Platform KPIs: 98% quality pass, 95% on-time delivery, 35% partial loads; financing advances 70–90% boost liquidity.

Financing costs tied to credit lines and securitizations ran about 4–6% for credit lines in 2024, with securitization spreads roughly 120–200 basis points over swaps. Interest, insurance, and credit loss provisions apply: insurance/servicing adds ~0.2–0.5% and provisions averaged 1.0–1.5% of portfolio in 2024. Efficient underwriting cut defaults 20–40% at top platforms, and diversified funding lowered blended rates to ~3.5–4.5%.

COGS dominates (80–90%; API2 ~$115/t in 2024), compressing margins and tying working capital. Logistics add ~10–25% of delivery cost; optimization cuts dwell by ~20–30%. Financing spreads 120–200bps; blended funding ~3.5–4.5%. Tech/dev ($500k–$2M), cloud +20% YoY, headcount 45–55% of OPEX (salaries $120k–$180k).

Supply-chain financing generates interest and origination fees (blended yield ~6.5% in 2024; origination fees ~0.8%), plus discount income from receivables and inventory finance accrues (~1.1% p.a.). Risk-based pricing applies 150–450 bps spreads by counterparty profile, and faster inventory/receivables turns have boosted ROA by roughly 200 bps for E-Commodities in 2024.

Core trading margins USD 2–5/tonne; hedging/futures uplifted margins up to 15% in 2024. Logistics fees $5–$15/ton plus $10k–$50k milestones; value-adds raise yield 0.5–2% and cut detention 12% (2024). Finance yield ~6.5% with 0.8% origination; data ARR $12.4M and hedging notional $210M (2024); TIC market ~USD 290B (2024).