Transforming Cash Flow Efficiency Across Supply Chains with DTX

By Madhusmita Panda
Posted On July 29, 2025

In a constantly evolving business landscape, effective management of enterprise payables and optimising cash flow has become essential for maintaining financial health and competitiveness. Traditional methods of managing payables often lead to delayed payments, cash flow mismatches, and strained vendor relationships 

Supply Chain Challenges Hindering Enterprise Growth

Managing thousands of vendors, navigating complex payment cycles, and keeping up with compliance manually are no longer sustainable. These challenges create ripple effects from supply chain disruptions to lost financial opportunities. The problem with traditional payables management is that suppliers suffer because of long payment cycles, while buyers miss opportunities for early payment discounts or better cash management. This inefficiency often leads to

  • Poor vendor satisfaction
  • Disrupted supply chain operations
  • Inconsistent cash flow
  • Increased reliance on costly short-term financing options

Modern, digital solutions like DTX by KredX help streamline payments, build lasting trust and compliance with regulations.

Revolutionising Payables with Domestic Trade Exchange

 operations. KredX DTX brings together buyers, suppliers, and a competitive network of financiers into one integrated ecosystem. It introduces a fully digital process that supports timely payments, optimises cash flow, and ensures complete transparency without burdening internal cash reserves.

What makes DTX by KredX ideal for large enterprises?

DTX enables seamless ERP integration, real-time tracking, and compliance through GST with quick disbursal of funds in 24 hours.

One of the key value propositions of DTX is its ability to facilitate invoice discounting, helping businesses unlock cash flow and enabling timely payments to vendors. The platform offers flexible options tailored to both buyers and sellers, allowing early access to funds through a competitive bidding environment involving multiple financiers.

Here’s how the two core modes of invoice discounting work on DTX:

Factoring Explained (Seller-Initiated)

The DTX platform uses factoring to enable sellers to upload approved invoices, receive competitive financing offers from multiple financiers, and access funds within 24 hours. Buyers continue with their regular payment schedules, while financiers handle upfront disbursal and collections.

Reverse Factoring on DTX (Buyer-Initiated)

The Domestic Trade Exchange (DTX) uses reverse factoring to simplify and optimise enterprise payables. This structured eight-step digital process begins with invoice upload and financier bidding, followed by fund disbursal and buyer repayment. It allows businesses to unlock funds, improve supplier relationships, and manage cash flow efficiently while maintaining stable internal financial operations.

Benefits of DTX for Enterprises

Here’s how DTX adds measurable value to the large enterprises.

Extend Payable Timeline: Enterprises retain their internal cash reserves while still ensuring suppliers are paid on time.

Stronger Vendor Relationships: Early payments improve supplier satisfaction and retention, reducing friction and bolstering supply chain resilience.

Regulatory Compliance: DTX ensures 100% adherence to the 45-day payment rule under the recent norms without straining cash flow.

Operational Efficiency: Automated invoice handling and reduced manual reconciliation accelerate processing time and reduce overhead.

Transparency and Control: Dashboards offer real-time insights into invoice status, financing terms, vendor performance, and cash flow forecasts.

Why Enterprise Leaders Are Choosing DTX Now

  • Partnership & Growth: KredX’s DTX platform’s partnership with 50+ financiers including SBI and Canara banks to expand its reach and financier base, strengthening efficiency and trust.
  • Government Endorsements: MoU with the MSME Ministry enables faster onboarding via API integration with Udyam data, with ongoing partnerships from several state governments and industrial associations, strengthening adoption and regulatory compliance.
  • Regulatory Readiness: Among the few entities in India that are dual licensed with IFSCA and RBI, the Domestic Trade Exchange by KredX enables seamless compliance and onboarding. Together, the Global Trade Exchange by KredX, an ITFS platform, supports cross-border trade finance, creating a unified, future-ready ecosystem for domestic and global supply chains.

Conclusion

The KredX DTX platform is redefining enterprise payables and cash flow management in India. By offering faster access to funds, DTX enables advanced possibilities for business efficiency and financial growth. Enterprises adopting DTX today are not just solving the current cash flow challenges in the business ecosystem; they are future-proofing their financial operations.

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