Trade Finance Software for Banks across the UAE

Six connected capability areas: (1) LC and documentary collection workbench with UCP 600-aligned document examination. (2) Guarantee workbench across advance payment, performance, bid, customs, and financial guarantees. (3) Supply chain finance platform with anchor corporate and supplier portal flows. (4) Tokenised trade rails for emerging blockchain and MLETR-direction instruments. (5) Trade book portfolio management with geography, product, and counterparty analytics. (6) Regulatory reporting for Large Exposures, sanctions screening, and trade-specific regulatory obligations.

Around those six, most banks also want: ICC eUCP-aligned electronic document handling, Incoterms 2020-aware flow, and integration with trade-visibility platforms like SWIFT GPI and multi-party supply chain networks.

Surecomp allNETT, Finastra Fusion Trade Innovation, CGI Trade360, Intellect GEM, and Finacle Trade are mature global platforms with broad deployment. Emirates NBD has publicly run Finacle Trade Connect blockchain trade since 2018.

Custom trade finance software is designed to sit alongside the vendor platform as the UAE-specific layer - Arabic document generation for Arab-world trade, sanctions screening integration tuned to UAE list obligations, tokenised trade design for Article 62 compliance, supply chain finance tuned to UAE anchor corporate patterns (Majid Al Futtaim, Lulu, Al-Futtaim, Al Rostamani and similar), and Aani and Jaywan rails for trade-linked domestic payments.

LC document examination under UCP 600 requires comparing commercial invoices, bills of lading, insurance certificates, certificates of origin, and regulatory documents against LC terms. Document image handling with OCR extracts structured data - amounts, dates, parties, shipment details - for rule-based comparison.

Discrepancies surface with context for senior trade officer review rather than re-examination. Straight-through examination handles compliant presentations without human touch. Senior trade officer time shifts from manual examination to portfolio work and exception handling.

UAE guarantee volume is heavy on performance bonds, advance payment guarantees, bid bonds, and customs guarantees driven by construction, engineering, oil and gas, and trading sectors. The workbench provides wording templates (counter-guarantee-aligned where applicable), issuance workflow, amendment handling, claim processing, and discharge.

Counter-guarantee tracking handles back-to-back relationships with international correspondents. Reinsurance cession for the bank's own guarantee book is aligned where the bank operates insurance-linked guarantee structures. Guarantee book visibility is continuous rather than monthly reporting exercises.

Supply chain finance covers supplier financing (anchor pays supplier early at a discount funded by the bank), buyer financing (bank extends credit to buyer to pay supplier), and dynamic discounting (anchor self-funds early payment for discount). Anchor corporate relationships are scaled into supplier-visible portals where suppliers see invoice status and request early payment.

Early-payment discount economics and credit exposure are tracked per anchor and per supplier. Supplier onboarding with KYB against UAE commercial licences reuses the SME banking KYB infrastructure. Supplier portal experience is designed for ease of use across supplier finance and treasury teams.

Article 62 of Decree-Law 6/2025 captures emerging technologies including virtual assets, payment tokens, decentralised finance, and any digital or physical instrument used in connection with Licensed Financial Activities. Tokenised trade instruments - digital LCs, blockchain bills of lading, tokenised trade receivables - sit inside this perimeter.

The platform is designed to align with this perimeter structurally - licensing evidence for tokenised trade products, Dirham Payment Token acceptance where relevant, electronic bill of lading handling under the MLETR direction, and integration with blockchain-backed trade networks including the Emirates NBD Finacle Trade Connect pattern. Licensing and certification remain the bank's responsibility.

Here's where custom trade finance software typically sits.

Core trade platforms - we sit alongside Surecomp allNETT, Finastra Fusion Trade Innovation, CGI Trade360, Intellect GEM, and Finacle Trade for core LC, guarantee, and documentary collection records.

Trade networks - we exchange with SWIFT for messaging including GPI, Contour for tokenised LCs, Marco Polo / TradeIX for trade networks, and we.trade historical patterns for open account automation.

Document and compliance - we integrate with Bolero for electronic bills of lading, ICC Academy eUCP, and sanctions screening vendors (Refinitiv World-Check, Dow Jones, LexisNexis, Fircosoft).

Integration approach is scoped during discovery. We don't ask you to rip and replace anything that works.

Discovery runs six to eight weeks. Working with your trade finance, product, risk, operations, and compliance teams, we map current LC workbench, guarantee book, supply chain finance practice, and emerging digital-document approach. Output is a detailed report covering current-state map, platform architecture, integration scope, phased implementation plan, and fixed-price build proposal.

Build for a core trade finance layer runs sixteen to twenty-four weeks from discovery completion. Full LC, guarantee, SCF, and tokenised-trade rollout phases in over twelve to twenty-four months.

Pricing varies materially by product breadth, SCF anchor count, and tokenised-trade scope. A bracket isn't published; discovery produces a fixed-price proposal with no obligation to proceed.