Treasury orchestration · cross-border settlement

Cross-border treasury in hours, not weeks.

We design and orchestrate regulated digital settlement architectures for corporates operating in USD-scarce markets across Africa, Asia and Latin America. We coordinate the treasury workflow; regulated partners perform the transactions.

US$40m+ transaction volume35 markets View coverage

Corridors we serve

Settled through a regulated partner · fully auditable

Book a 15-minute treasury discussion Talk to us on WhatsApp

Recent Work

Cross-border payments architecture built for corporates.

Two patterns dominate what we are asked to solve: multi-country treasury consolidation, and international sales settlement. Below, a brief summary of each.

Case Study · Travel Group

Satguru Travel Group

Requirement

Consolidating local-currency profits from 47+ operating locations across Africa, with weeks lost to banking and FX delays.

GDT’s role

Redesigned the consolidation flow so a regulated settlement partner moves value into central treasury, with a full audit trail at every leg.

Outcome

Cycle time cut from weeks to days. Working capital previously trapped in local currency unlocked for operational use.

Muhammad Bana on-site with Satguru Travel Group leadership

On-site · Satguru Travel Group

Case Study · Auto Trading

Milele Cars

Requirement

Collecting international vehicle-sale proceeds while buyer-side banking delays held up stock clearance.

GDT’s role

Designed a settlement flow in which international buyers pay in stablecoin; a regulated settlement partner converts to local currency and credits Milele’s bank account, usually same-day.

Outcome

Payment clearance moved from weeks to hours. Stock turns faster, deal velocity improves, buyers get a modern option.

Muhammad Bana on-site with Milele Cars leadership

On-site · Milele Cars

The Problem We Solve

Traditional rails were never built for emerging-market treasury.

If your company operates in or from USD-scarce countries, you already know the pattern. Capital sits in the wrong currency, in the wrong place, at the wrong time. Every cycle bleeds margin. Every payment is a negotiation with the banking system.

FX queues at the central bank

Official FX queues can delay access to foreign currency for supplier payments. Treasury teams need a workflow that accounts for local restrictions and documentation requirements.

SWIFT and correspondent banking friction

Cross-border bank payments can pass through several correspondent institutions. Each additional step can introduce fees, checks and uncertainty over timing.

Working capital trapped in local currency

Profits held in local currency can be difficult to consolidate into central treasury. Delays leave working capital exposed to currency movements and unavailable elsewhere in the business.

FX managed reactively, not strategically

Unpredictable banking delays make it harder to plan FX exposure and payment timing. Treasury teams spend time resolving urgent exceptions instead of managing the wider position.

How GDT works

One workflow. Many regulated partners underneath.

From local currency to foreign currency, GDT orchestrates the workflow and regulated partners perform the transactions, with each step documented.

Step 1 · On-ramp

Local currency in

Your business pays in its own currency through a regulated local partner — no foreign bank account required.

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Step 2 · GDT orchestrates

We orchestrate

We coordinate the route, partner onboarding, approvals and reporting. Regulated partners handle the funds and execution.

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Step 3 · Off-ramp

Foreign currency out

The recipient is paid in their own currency in minutes, through another regulated partner — fully documented.

Our Solution

Treasury expertise, supported by a platform in development.

We work with your finance team to understand the requirement, design a treasury workflow and coordinate with regulated partners. GDT Platform is being developed to bring that coordination, approvals and reporting into one workspace.

Corridor diagnostic

A 15-minute call to map your current flow. We identify where time and cost sit. No charge, no obligation.

Architecture proposal

A written settlement design for your specific corridors. Expected cycle time, cost, and compliance footprint — documented.

Live pilot

One corridor, one controlled volume. Measured against your current baseline. Data you can show your board.

Scale

Roll out across remaining corridors once the pilot clears your internal review. Run by your team, not around them.

Team

Muhammad Bana & Ashraf Mohamed — Founders.

Muhammad Bana

Co-Founder — Financial Architect

Muhammad Bana is a financial architect who designs cross-border treasury workflows for corporates in USD-scarce markets. His background spans entrepreneurship, travel, financial services and digital asset infrastructure. At GDT, he leads settlement architecture and partner coordination, helping finance teams turn complex treasury requirements into documented workflows through regulated partners.

Team →

Ashraf Mohamed, CFA

Co-Founder — Capital & Strategy

Ashraf Mohamed brings institutional investment experience spanning HSBC, Franklin Templeton and STANLIB. His background in asset management and emerging markets informs GDT’s capital strategy and investor relationships. He works alongside Muhammad on the direction of the business, connecting practical treasury architecture with the perspective of institutional and private capital.

Team →

Start a Conversation

A 15-minute call often saves weeks of treasury work.

If your team is losing days to cross-border payment friction, the first step is always the same: a call to map the corridor. No pitch. Just a working diagnosis of where time and cost are leaking.

Book a 15-minute treasury discussion Message on WhatsApp

Or write to bana@globaldigitaltreasury.com — replies typically within a working day.