MyDucat
MyDucat — MAS Payment License Pitch

A Unified Platform for Global Business Payments

API‑first infrastructure • AI‑driven finance • Multi‑rail cross‑border payments (Mastercard) • Built for Singapore

Multi‑currency Open API AI Assistant Mastercard Move

Who We Are

  • API‑first platform for international businesses — seamless ERP, e‑commerce and accounting integrations.
  • Multi‑currency business accounts with transparent FX and low cross‑border fees.
  • Canadian MSB license — proven compliance and international trust.
  • Rapid innovation — agile IT, AI‑ready architecture, fast customizations.
Who We Are

Smart Financial Platform (AI)

  • AI Finance Assistant for SMEs — cash‑flow forecasting, early risk alerts, scenario planning.
  • Automated bookkeeping — categorization, reconciliation, exportable reports.
  • Counterparty risk insights — reliability checks, dependency analysis, fraud signals.
  • Credit guidance — transaction‑based lending readiness, tax and cost optimization tips.

Global Payments with Mastercard

  • Multi‑rail routing — Mastercard network, local rails, or SWIFT per payment for optimal speed & cost.
  • 24/7 near real‑time cross‑border payments with outcome certainty and full tracking.
  • Bank‑centric model — we empower banks rather than displace them.
  • Mastercard Track — invoice data travels with the payment for instant reconciliation.

Note: We are finalizing integration with Mastercard Cross‑Border Services to enable near‑instant global payments for MyDucat clients.

Client Impact (Figures & Cases)

Replace the placeholders below with your verified metrics. Texts from other slides remain unchanged.

  • FX & fee savings: [Add % / $ value] average reduction per cross‑border payment corridor.
  • Speed: [Add time] settlement via Mastercard multi‑rail integration.
  • Automation: [Add %] fewer manual reconciliations with invoice data (Mastercard Track).
Case A
Cross‑border supplier payouts

Outcome: [Add KPI]

Case B
SME cash‑flow stability

Outcome: [Add KPI]

Case C
FX optimization

Outcome: [Add KPI]

Solving Singapore’s Specific Pains

  • High cost of cross‑border → multi‑currency + optimized rails reduce FX and fees.
  • SME financing gap → cash‑flow‑based lending readiness & BNPL for SMEs.
  • Trade & FX exposure → escrow options and simple digital hedging tools.
  • Strict MAS compliance → AI‑accelerated KYC/AML and real‑time monitoring.
  • Digital expectations → full PayNow/SGQR integration, plug‑and‑play checkout.

Problems We Solve

Below are the key pain points that the integrated solution with Mastercard aims to address:

Problem How We Solve It
Slow payments
(delays, banking hours, different time zones, holidays)		 Always-on availability (24/7), near-real-time clearing and automatic routing reduce delays.
Lack of transparency and predictability of cost and payment status Visibility of payment stages, transparent fees, predictability, fewer hidden charges/costs.
High risk
(counterparties, correspondent intermediaries, payment returns, failed transactions)		 Multilateral agreements, clearing arrangements, risk control tools and fraud analytics.
Liquidity and operational costs for banks Flexible settlement options reduce the need to hold large amounts of funds “in reserve” with intermediaries, as routing is optimized.
Integration complexity and process changes for banks Built on existing infrastructure (SWIFT, ISO 20022), minimizing the need to re-engineer processes within the payment organization.
Slow payments
Always-on (24/7), near‑real‑time clearing & smart routing.
Lack of transparency
Fee & FX clarity, full status visibility, fewer hidden costs.
High risk
Multilateral agreements, clearing, risk controls & fraud analytics.
Liquidity & operational costs
Flexible settlement reduces reserve needs; optimized routing.
Integration complexity
Built on SWIFT & ISO 20022; minimal re‑engineering.

* This table replicates the format from your sample and integrates seamlessly into the slides.

\"Problems
Office AI Example

AI in the Office — Practical Scenario

Example: MyDucat AI Assistant helps an SME finance team manage risks.

  • Forecast — detects an upcoming cash‑flow gap caused by delayed invoice payment.
  • Alert — CFO gets a proactive notification with financing & FX hedge suggestions.
  • Outcome — payroll and suppliers paid on time; operations stay stable; time saved.
80%
fewer surprise cash gaps*
50%+
less manual work*
Minutes
to act, not days
* Illustrative placeholders — replace with your measured metrics.

Mastercard Move — Singapore Logistics Case

From 2–3 days to ~30 minutes for port fees & supplier payouts.

Before: payments crawl through traditional rails; demurrage $100–300/day per container.
With MyDucat + Move: sent 14:00 SGT → received ~14:30 local. 24/7 availability, full tracking, real‑market FX.
Outcome: avoid demurrage, faster vessel release, better working capital — save $X/container.
~30 min
typical delivery
24/7
availability
FX
real‑market rates
Illustrative example — replace numbers with your measured results.
~30 min
Traditional rails
  • 2–3 days settlement
  • Opaque fees & FX
  • Limited tracking
MyDucat + Move
  • ~30 min delivery
  • Transparent fees & real FX
  • End‑to‑end tracking
Visual is illustrative only.

Our Promise

MyDucat is a financial ecosystem, not just a payments provider. We combine three layers of value for Singapore's businesses:

API Platform

Embed accounts & payments across ERP, e‑commerce and internal systems.

AI Tools

Forecast cash‑flow, mitigate risks, automate reporting and reconciliation.

Global Rails

Near‑instant multi‑rail cross‑border payments via Mastercard Move.

We empower businesses and banks, lowering costs, improving certainty and strengthening Singapore's position as a global financial hub.

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