PwC cut securitization settlement from 30+ days to one day using Stellar smart contracts and regulated euro stablecoins. A major step toward European tokenized capital markets.
PwC Deutschland partnered with the Stellar Development Foundation, tokenforge, and AllUnity to build EOS Automated Receivables Settlement, reducing monthly securitization settlement cycles from 30+ days to one day. The blockchain-based platform automates waterfall logic that distributes cash flows from loan portfolios to investor classes, previously a manual, fragmented process prone to delays and errors. Payments are calculated automatically and settled in real-time using regulated euro stablecoins (E-Geld) compliant with EU MiCA requirements. The solution demonstrates how smart contracts can streamline institutional financial processes while maintaining regulatory compliance, positioning Stellar as the network for regulated financial infrastructure in Europe.