Stefa Pay - Treasury Monitor

EUR

1 284 650

USD

595 300

USDT

184 500

2 002 066 EUR

Client funds held

across all currencies

96 470

In flight between accounts

6 payments

21 750

On hold

2 payments

5

Require action

treasury & operations

47 850

Turnover today

settled outflow, EUR

546 750

Turnover 14 days

settled outflow

16 612.30

Fees booked

bank margin, EUR

Nostro accounts

own liquidity + client funds held at each provider (Harbor Hills / Papaya / XBO)

Harbor Hills · EUR Correspondent account

LT21 3250 ···8841

1 697 450 EUR

Own liquidity412 800 Client funds · 341 284 650

Provider reconciliationno reconciliation feed

Harbor Hills · USD Correspondent account

LT21 3250 ···8859

723 700 USD

Own liquidity128 400 Client funds · 21595 300

Provider reconciliationno reconciliation feed

Papaya · EUR Payment rail

GB58 PAPA ···4471

96 200 EUR

Own liquidity96 200 Client funds · 00

Provider reconciliationno reconciliation feed

XBO · USDT Exchange balance, TRC20
TRC20

UniqueTag per client

369 000 USDT

Own liquidity184 500 Client funds · 6184 500

Provider reconciliationno reconciliation feed

XBO · USD Exchange fiat balance

ViBAN GB04 SEOU ···9930

74 200 USD

Own liquidity74 200 Client funds · 00

Provider reconciliationno reconciliation feed

Payments in flight

11 active

Payment	Where the money is	Amount	Next action	Dwell
PAY-4118Nordwind LTD	Papaya · EURSubmitted → Baltic Timber OU	38 200.00 EUR	Review & approveOperations	6 min
PAY-4117Baltic Trade	Harbor Hills · USDOn hold → Shenzhen Optics	12 450.00 USD	Release holdCompliance	312 min
PAY-4116Sirius OU	Papaya · EURApproved → Meridian GmbH	8 900.00 EUR	Send to railTreasury	41 min
PAY-4115Vela Group	Harbor Hills · USDProcessing → Atlas Freight	21 750.00 USD	Rail confirmationBank	88 min
PAY-4114Ozon Logistics	Papaya · EURSent to beneficiary → Kant Handel	5 400.00 EUR	Awaiting settlementBank	130 min
PAY-4113Nordwind LTD	XBO · USDTApproved → Crypto Desk	45 000.00 USDT	Send to railTreasury	22 min
PAY-4112Kant Handel	Papaya · EUROn hold → Riga Steel	9 300.00 EUR	Release holdCompliance	265 min
PAY-4111Sirius OU	Harbor Hills · USDSubmitted → Delta Systems	16 800.00 USD	Review & approveOperations	14 min
PAY-4110Ателье Грин	Papaya · EURProcessing → Nord Textile	3 120.00 EUR	Rail confirmationBank	54 min
PAY-4109Vela Group	Papaya · EURCompleted → Lisbon Imports	27 400.00 EUR	--	0 min
PAY-4108Baltic Trade	Harbor Hills · USDSent to beneficiary → Oslo Marine	11 200.00 USD	Awaiting settlementBank	96 min
PAY-4107Nordwind LTD	Papaya · EURApproved → Hansa Group	6 650.00 EUR	Send to railTreasury	33 min

Client balances by currency

funds held on our nostro accounts, aggregated per client

Client	EUR	USD	USDT
Nordwind LTD	412 800	88 400	120 000
Vela Group	286 400	164 900	-
Baltic Trade	158 300	206 000	-
Sirius OU	144 200	76 000	44 500
Ozon Logistics	128 900	60 000	-
Kant Handel	97 600	-	20 000
Ателье Грин	56 450	-	-

Turnover

14 days, EUR

--

Fees booked

bank margin by source, EUR

Outgoing payment fees

fixed + percentage per order

8 942.20

54 %

FX conversion margin

basis points on converted amount

4 180.55

25 %

Account opening fees

one-time per account

2 100.00

13 %

Card program fees

issuance and top-up

1 389.55

8 %

Total

16 612.30 EUR

Recent ledger movements

latest posted entries

Client	Type	Amount
Nordwind LTD17.09 19:13	topup	+50 000.00 EUR
Baltic Trade17.09 19:05	payment out	-12 450.00 USD
Sirius OU17.09 19:05	fee	-24.50 EUR
Vela Group17.09 18:49	topup	+30 000.00 USD
Kant Handel17.09 18:36	payment out	-9 300.00 EUR
Ozon Logistics17.09 18:11	transfer in	+5 400.00 EUR
Ателье Грин17.09 17:47	payment out	-3 120.00 EUR
Nordwind LTD17.09 17:16	fx convert	+45 000.00 USDT

Stefa Pay - Treasury Monitor · read-only observability · Business payments without borders