Enterprise Use Cases

Términa's programmable escrow infrastructure is designed for enterprise workflows that require trustless conditional payments. Here are the primary use cases where this infrastructure provides significant value.

Note: The demo showcases B2B invoicing as a reference implementation. The same infrastructure can be adapted to any conditional payment workflow.

B2B Invoice Payments

The Problem

B2B payments suffer from trust gaps: vendors deliver services without payment guarantees, buyers pay without delivery guarantees. Late payments cost businesses $3 trillion annually in the US alone.

How Términa Solves It

  • Funds in escrow before work begins: Payer deposits funds that are locked until delivery
  • Clear release conditions: Both parties agree on terms before any money moves
  • Instant settlement: Once payer approves, funds transfer immediately
  • Dispute resolution: Designated arbiter can resolve conflicts

Example Flow

Vendor creates invoiceClient accepts & fundsWork deliveredClient releases payment

Supply Chain & Trade Finance

The Problem

International trade involves multiple parties (buyer, seller, shipper, customs, banks) with different trust levels. Letters of Credit are slow, expensive, and paper-based.

How Términa Solves It

  • Multi-party escrow: Configure multiple participants with different roles
  • Milestone-based releases: Partial payments on shipment, delivery, inspection
  • IoT integration ready: Release conditions can be triggered by external oracles
  • Full audit trail: Every state change recorded on-chain for compliance
Reduced Counterparty Risk
Funds secured until delivery confirmed
Faster Settlement
Days instead of weeks
Automated Compliance
Immutable audit records

Real Estate Transactions

The Problem

Real estate transactions involve large sums, multiple parties (buyer, seller, agents, lawyers, title companies), and lengthy settlement periods. Traditional escrow services charge 1-2% fees.

How Términa Solves It

  • Trustless earnest money: Deposits held in smart contract, not third-party accounts
  • Conditional release: Funds released only when title transfer is confirmed
  • Multi-signature support: Require approval from multiple parties
  • Transparent costs: Only blockchain gas fees, no percentage-based charges
Enterprise consideration: Real estate transactions can be tokenized on Casper, enabling the escrow to handle both the payment and the property token transfer atomically.

SaaS & Software Licensing

The Problem

Enterprise software contracts often involve implementation phases, SLAs, and milestone-based payments. Disputes over deliverables delay payments and strain relationships.

How Términa Solves It

  • Milestone escrows: Payment released as each implementation phase completes
  • SLA-linked releases: Integrate with monitoring to verify uptime before payment
  • Subscription escrows: Pre-fund monthly/yearly subscriptions with clear terms
  • Automatic renewals: Smart contract handles recurring conditional payments

Other Enterprise Applications

The programmable nature of Términa infrastructure means it can be adapted to virtually any conditional payment scenario:

M&A Transactions

Earnout payments tied to post-acquisition performance

Freelance Platforms

Secure payments for gig economy workers

Insurance Payouts

Parametric insurance with automatic triggers

Crowdfunding

All-or-nothing campaigns with trustless refunds

Next Steps

Ready to see the infrastructure in action? Check out our Demo & On-Chain Data section to understand exactly what gets stored on the blockchain, or jump into the Live Demo to try it yourself.