Eroceht Trade Capital — Supply Chain Finance Platform

◆ Technology Proposal

Supply Chain
Finance Platform

Purchase Order Finance & Invoice Finance for Zambian SMEs supplying the mining sector. Built for Eroceht Trade Capital.

Prepared for Edwin Reynolds & Yembe Chika Josi — March 2026

01 / 09

01 — The Opportunity

A structural funding gap

The Problem

SMEs supply mining corporatesZambian SMEs supply goods and services to FQM and Barrick Gold — but lack capital to fulfil confirmed purchase orders.

30–90 day payment cyclesAfter delivery, SMEs wait 1–3 months for payment — creating chronic cash flow gaps that strangle growth.

Traditional lending doesn't workBanks assess the SME's balance sheet. Most don't qualify — despite holding confirmed POs from investment-grade buyers.

Eroceht's Solution

Purchase Order FinanceAdvance capital pre-delivery, secured against the Anchor Buyer's confirmed PO. Risk priced on buyer creditworthiness.

Invoice FinanceAdvance 90–100% of approved invoice value immediately post-delivery. Anchor Buyer pays the platform on their standard cycle.

One platform, two productsSingle transaction engine with two entry points. Both products anchored to the Anchor Buyer's creditworthiness, not the SME.

Transaction sizes: $100K–$1M per invoice. Initial revolving facility: $1–2M. Market: Republic of Zambia, mining supply chain.

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02 — The Platform

Nine modules, one architecture

Module 01

Auth & User Management

Three roles (SME, Admin, Anchor Buyer). RBAC, MFA, audit logging, session management.

Module 02

SME Onboarding & KYC

Digital onboarding, document upload, PACRA integration, biometric verification, compliance workflow.

Module 03

Transaction Submission

PO Finance and Invoice Finance flows. OCR extraction, field validation, draft save, status notifications.

Module 04

Buyer Verification Portal

Dedicated Anchor Buyer login. PO/invoice confirmation workflow, compliance dashboard, bulk CSV upload.

Module 05

Credit & Underwriting

Rule-based scoring engine. Auto-approve below threshold, configurable advance rates, decision audit trail.

Module 06

Offers & Contracts

Auto-generated funding offers. Digital acceptance, e-signature integration, facility agreements.

Module 07

Disbursement Engine

RTGS/EFT bank integration. Maker-checker workflow, payment status tracking, mobile money support.

Module 08

Collections & Settlement

Transaction-level tracking, automated reconciliation, settlement calculation, late payment monitoring.

Module 09

Reporting & Compliance

Portfolio dashboard, Anchor Buyer KPI reports, regulatory templates, compliance audit export.

03 / 09

03 — Delivery Options

Three tiers, one architecture

Our rec →

A

Option A — MVP

"First 20 Transactions"

$173,250

The minimum viable platform to process real transactions end-to-end. Manual workarounds where full automation isn't critical. Speed to market and business model validation.

✓ 4 months · 2 Senior Engineers, Designer, PM

B

Option B — Enhanced MVP

"Automation & Scale"

$313,428

Everything in MVP plus dedicated Anchor Buyer portal, PACRA & biometric KYC, OCR, one ERP integration, DocuSign, automated credit decisions, and automated reconciliation.

7 months · Adds self-service and integration layer

C

Option C — Enterprise

"Full Specification"

$521,290

Everything in Enhanced MVP plus all 3 ERP integrations, PEP/sanctions screening, credit committee workflow, regulatory reporting, pen testing, full documentation, and 90-day warranty.

10 months · Regulation-ready, investor-grade

All tiers share the same underlying architecture. Start with MVP and upgrade incrementally — no re-platforming required.

04 / 09

04 — Scope Matrix

Feature-by-feature comparison

Feature	MVP	Enhanced	Enterprise
Authentication, RBAC & MFA	✓	✓	✓
SME digital onboarding & manual KYC	✓	✓	✓
PACRA API + biometric verification	—	✓	✓
PEP / sanctions screening	—	—	✓
PO Finance + Invoice Finance flows	✓	✓	✓
OCR document extraction	—	✓	✓
Anchor Buyer portal	—	✓	✓
Buyer email verification	✓	✓	✓
Rule-based credit engine	✓	✓	✓
Auto-approve below threshold	—	✓	✓
Credit committee workflow	—	—	✓
E-signature (DocuSign)	—	✓	✓
RTGS/EFT disbursement + maker-checker	✓	✓	✓
Automated reconciliation	—	✓	✓
1 ERP integration	—	✓	✓
All 3 ERP integrations	—	—	✓
Regulatory reporting & audit export	—	—	✓
Pen testing + performance testing	—	—	✓
Full documentation + knowledge transfer	—	—	✓
90-day warranty	—	—	✓

05 / 09

05 — Delivery Approach

Phased delivery — MVP example

0

00

Discovery & Architecture — Weeks 1–2

Technical architecture, database schema, API spec, UI/UX wireframes in Figma, integration design, security review, sprint plan. First call with Anchor Buyer IT teams.

1

01

Infrastructure & Onboarding — Weeks 3–6

Cloud environment, CI/CD pipeline, authentication module, SME onboarding & KYC module, admin dashboard. Live and tested.

2

02

Transaction Engine — Weeks 7–10

Transaction submission, buyer verification, credit engine, offer generation, notifications. Both PO Finance and Invoice Finance flows functional.

3

03

Payments & Integration — Weeks 11–14

Disbursement engine, collections & settlement, reporting dashboard, SFTP integration with Anchor Buyer systems.

4

04

Testing & Go-Live — Weeks 15–17

System integration testing, UAT with pilot SMEs, bug fix sprint, production deployment, go-live.

Two-week sprints with weekly stakeholder check-ins. Every sprint concludes with a demo of working software. Staging access from Sprint 2.

06 / 09

06 — Why Blott

We've built this before

Relevant Experience

NylaBank

Core banking platform for a digital bank in Africa. Smile Identity integration, MojoPay payment processing, Mambu core banking. Direct capability overlap with ETC's requirements.

Digital Banking · Africa

Bettr

End-to-end digital banking app for a South African neobank. Account onboarding, virtual card issuance, consumer-grade mobile experience built to meet SA financial regulations from Day 1.

Neobank · South Africa

Caerus

Wallet-based money collection platform with USSD ordering and simplified credit purchase system for a Nigerian FMCG distributor.

Payments · Nigeria

How we work

Small, senior teamNo juniors, no bench. The people who scope the work are the people who build it.

Full transparency modelMonthly time reporting, continuous staging access, fortnightly demos of working software.

Fintech-nativeReal-time payments, regulatory compliance, multi-party transaction workflows — this is what we do.

Next.js + Python + AWSProduction-grade stack: TypeScript frontend, Python backend, PostgreSQL, Redis, Docker, Terraform.

Interim CTO capabilityBlott acts as interim technical leadership until Eroceht's Senior Technical Officer is in place. All architecture decisions fully documented.

07 / 09

07 — Risks & Mitigation

Known risks, built-in mitigations

Anchor Buyer API access delayed

High

SFTP/CSV fallback built into every tier. The MVP operates entirely without ERP API access. Integration is additive, not blocking.

Bank API credentials delayed

High

Begin paperwork immediately. Build disbursement engine against test environment first. Manual bank transfer as interim fallback.

BoZ licence not yet granted

Critical

Platform build proceeds in parallel. Phase delivery so payments module aligns with expected licence timeline. Platform can be demonstrated to BoZ as part of the application.

No in-house CTO / tech lead

Medium

Blott acts as interim technical leadership. All architecture decisions documented. Knowledge transfer sessions included. Support package provides continuity.

Data residency uncertainty

Low

Architecture is cloud-region agnostic. Confirmed during Phase 0. AWS Africa (Cape Town) default; Zambian hosting can be arranged if required.

Scope creep from Anchor Buyer

Medium

Strict change control. Any scope additions require written approval and revised timeline/cost. Phase 0 technical discovery locks integration scope.

08 / 09

08 — What Happens Next

Next steps

01

Select a delivery tier

Confirm whether Eroceht wishes to proceed with MVP ($173K), Enhanced MVP ($313K), or Enterprise ($521K). We recommend the MVP to validate the model with live transactions, then upgrade incrementally.

02

Sign engagement agreement

Blott issues a Statement of Work based on the selected tier. Monthly billing in arrears, net 14 day payment terms, detailed timesheets with every invoice.

03

Kick-off & Phase 0

Technical discovery begins within one week of contract signing. First call with Anchor Buyer IT teams to confirm ERP system and obtain API documentation.

04

Confirm open dependencies

ERP system selection, bank API access, data residency decision, and Bank of Zambia licence timeline. These run in parallel with the build — none block Phase 0.

This proposal is valid for 30 days from issue (20 March 2026). Post-live support packages available separately — starting at $27,143/month for a dedicated micro-team.

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