Treasury orchestration · cross-border settlement

Cross-border treasury in hours, not weeks.

We design and orchestrate regulated digital settlement architectures for corporates with operations in USD-scarce markets. Nigeria. Pakistan. Egypt. Kenya. Ghana. Bangladesh. Sri Lanka. Argentina. Wherever capital moves slowly, we redesign the flow — within your existing compliance framework, not around it.

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Coverage

35 countries · working globally

Focus

USD-scarce markets

Clients

Mid-to-large corporates

Try the interactive demo on the Platform page →

Corridors we serve Nigeria

Settled through a regulated partner · fully auditable

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

CBN in Nigeria. SBP in Pakistan. Central Bank of Egypt. Official FX windows that clear weeks late, if at all. Payments to international suppliers held indefinitely in local-currency purgatory.

SWIFT and correspondent banking friction

Every cross-border payment routes through a chain of correspondent banks. Each link adds days, fees, and compliance checks that can stall the entire transaction indefinitely.

Working capital trapped in local currency

Profits generated in local markets cannot be repatriated efficiently. Cash sits in accounts earning nothing, exposed to devaluation, unavailable to central treasury.

FX managed reactively, not strategically

When the timing of every payment is dictated by banking friction, treasury teams cannot manage FX exposure on their own terms. Strategy becomes impossible. Firefighting becomes the default.

How GDT Platform works

One workflow. Many regulated partners underneath.

Local currency goes in one side and comes out the other — GDT Platform orchestrates the fastest compliant route in between, with every step recorded.

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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GDT Platform

We orchestrate

Best-route selection across regulated partners, with approvals, reporting and a full audit trail — all on one screen.

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Step 3 · Off-ramp

Local currency out

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

Inside GDT Platform

Everything a treasurer needs, in one place.

One screen

Balances, settlements and approvals in a single, live view — no spreadsheets, no email chains.

Multi-provider routing

Onboard once, reach many regulated partners. Best price and liquidity, selected automatically.

Approvals & controls

Limits, dual-control sign-off and segregation of duties built into every transaction.

Non-custodial

Regulated partners hold the funds. You stay principal; GDT owns the workflow and the data.

Corridor intelligence

Live corridor data and the on-the-ground reality of each market, built in.

Reporting & audit

Board- and auditor-ready records on every settlement, exportable in a click.

Our Solution

We are not a product. We are a design practice.

No two corridors behave the same way. We work alongside your finance and treasury team to map the live flow, identify where time and cost are leaking, and architect a settlement design specific to your operation. The result is a working flow, auditable and owned by you — never a black-box service.

Corridor diagnostic

A 20-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.

Recent Work

Architecture built for real corporates, not whitepapers.

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

Challenge

47+ operating locations across Africa. Consolidation of local-currency profit back to central treasury was taking weeks per cycle — FX queues, SWIFT friction, correspondent bank delays on every leg.

Solution

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

Challenge

Regional dealership selling vehicles to international clients. Every deal lost 2–6 weeks to SWIFT delays on the buyer side. Stock held hostage to payment clearing.

Solution

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

Team

Muhammad Bana & Ashraf Mohamed — Founders.

Muhammad Bana

Co-Founder — Financial Architecture

I design settlement architecture for companies whose capital must cross borders when the traditional system breaks down.

Global Digital Treasury is how that work reaches the corporates who need it. I work with clients across Africa, South Asia, Latin America and the Middle East — the markets where treasury pain is sharpest and where traditional rails are most brittle. The platform we are building — GDT Platform — turns this into one workflow: a single screen, many regulated partners, and every settlement auditable.

Before GDT I built and ran businesses across travel, financial services, and digital asset infrastructure. The Muhammad Bana Family Office first tested these architectures for our own operations. What worked there, now works for clients — from multi-country travel groups to regional auto traders to importers handling supplier payments into China and India.

I am not a product vendor. I design the flow, document it, and hand it to your finance team with the compliance trail intact. The work is calm, deliberate, and built to scale.

Ashraf Mohamed, CFA

Co-Founder — Capital & Strategy

My work is making sure this company is funded to build properly, and connected to the people who back infrastructure over cycles rather than quarters.

I have spent my career in private markets and asset management, working as strategic CIO to private investors, with a network spanning institutional and private capital across several regions.

What drew me to Global Digital Treasury is that the problem is structural rather than technical. Corporates operating in USD-scarce markets are not short of banking relationships — they are short of routes. Solving that properly means building infrastructure and partnerships that take years to mature, and it means being honest with clients about what works today and what does not.

I lead capital strategy and investor relations, and I work alongside Muhammad on the direction of the business.

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-min call Message on WhatsApp

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