Your real-world money and your SOTCoin, side-by-side

Stripe, PayPal, T-Pay, and every bank account you actually use — registered, reconciled, and routed from one ledger. Treasury without the spreadsheet sprawl.

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Operator-bank registry

Treasury control for real businesses

Multi-operator view

See Stripe, PayPal, T-Pay, and bank balances on one screen. No more flipping between five logins to count cash.

Bank account registry

Register the bank accounts your business actually uses. Assign each to a purpose: settlement, payroll, supplier payouts.

Per-purpose routing

Card settlements to one BNCTL account, wallet sweeps to a BNU account, refunds back to source — configurable per flow.

Operator reconciliation

Match expected vs. actual balances for each operator account. Variances surface immediately, not at month-end.

Statement imports

Drop in a bank statement CSV and the dashboard matches lines against payouts, fees, and refunds for you.

Audit-ready history

Every change to a bank-account configuration is logged with who, when, and why. Auditors get a clean trail.
Built for the real spread of accounts

Most Timor-Leste businesses run on more than one rail

A cafe in Dili might bank with BNCTL for daily takings, hold a USD float at ANZ, take online bookings through Stripe, and accept tips via T-Pay. Today that’s four logins, four CSVs, and a Friday afternoon of spreadsheet reconciliation. The operator-bank registry collapses that into one ledger: balances refresh together, statement imports match lines against the source automatically, and the auditor sees the same view as the bookkeeper.
Treasury workflow

How operators stay in sync

  1. Register each operator

    Add Stripe, PayPal, T-Pay, and each bank account your business uses. Tag them by currency and purpose.

  2. Configure routing

    Tell the dashboard which operator handles settlement, which handles payroll, and where refunds return from.

  3. Reconcile daily

    Each morning, balances refresh from every operator. Mismatches flag in red so your finance team knows where to look first.
Where the money flows

The pieces that touch your operator ledger

Settlements

Daily payouts route through the operator you nominate for settlement.

Merchant Dashboard

The same screen for sales also surfaces every operator balance.

Accept Payments

Each acceptance method ties back to the operator account it clears through.

Common questions

Do I have to use all the operators?
No. Many businesses start with one bank and a SOTCoin wallet, then add Stripe or PayPal as new sales channels open up. Configure only what you use.
Can I export the operator ledger?
Yes. Pull a full operator-balance report as CSV or PDF for any date range — useful for tax, audit, or board reports.
What if my bank statement format isn't supported?
Reach out and we’ll add it. The registry already supports BNCTL, BNU, ANZ, and P24 formats out of the box.

One ledger, every operator

Stop juggling logins. Run treasury from one screen.

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