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Decionis for Commerce
Capital Multiplier · Value creation
Make money from the money you already spend.
Because Decionis sits in the execution path before money moves, it can do more than block leakage — it can multiply capital. Four capabilities turn your spend into margin, each evaluated deterministically and sealed into a signed Decision Dossier. Shadow-first and dry-run by default: nothing moves money until you opt up.
Protect capital, then multiply it
Risk mitigation — protects capital
- Leakage blocks
- Halts rogue or unapproved spend before checkout.
- Real-time drift detection
- Catches budget and price anomalies instantly.
- Reduced churn
- Flags zombie subscriptions before they auto-renew.
Value creation — multiplies capital
- Early-payment yields
- Captures vendor discounts automatically when the yield beats your cost of capital.
- Capital routing
- Eliminates duplicate operational cost across teams and renewals.
- FX optimization
- Locks the spot rate before adverse drift bleeds a cross-currency spend.
- Working-capital preservation
- Holds cash longer, safely, to the contractual limit.
The four multipliers
The same engine, localized per platform. Shown here in Shopify merchant framing, with the enterprise / CFO framing the same capability carries on SAP, Teams, and beyond.
Early-payment yields (B2B invoicing)
Reward wholesale buyers who pay early — and capture the exact yield, automatically.
Tracks B2B invoice payment status; when a corporate buyer pays inside the discount window, it calculates the yield variance, adjusts the final invoice balance, and writes the result back to your ERP.
CFO framing: Capture vendor early-payment discounts whenever the implied yield beats your cost of capital.
Apply early-pay discountDuplicate-spend routing
Flag overlapping app subscriptions or supplier POs before they renew on capacity you already have.
Cross-references a renewal or purchase against your active app/supplier contracts; if it's redundant, it pauses and points back to the resource you already pay for.
CFO framing: Catch duplicate tools, seats, or suppliers before a renewal or PO spends on capacity you already own.
Route to existingCross-border FX guardrail
Lock the rate on cross-currency supplier payouts when the market drifts against you.
Detects the currency pair on an impending supplier payout; if the rate drifts beyond your threshold, it recommends locking the spot rate before it moves further.
CFO framing: Lock the spot rate when an impending cross-currency spend drifts against you in the approval window.
Lock rateWorking-capital preservation
During a seasonal cash dip, safely extend low-priority payouts to their contractual limit.
Reads your cash-flow health; when liquidity is tight, it extends lower-priority supplier payouts to the maximum allowable date and keeps critical fulfillment payments on time.
CFO framing: When cash is tight, safely extend low-priority payouts to their contractual limit and pay critical bills first.
Extend payoutBuilt so money never moves by accident
- Off by default — opt up shadow → advisory → autonomous when you're ready.
- Autonomous stays dry-run until a treasury connector is explicitly configured.
- Per-capability hard caps; above cap or low confidence routes to human approval.
- FX is biased to approval — never auto-hedges above its cap.
- Every action — even auto-executed — is a signed, auditable Decision Dossier.
- Fail-closed: a missing or unverifiable signal means no action, never a guess.