SMRT CORPORATE-TO-BANK CONNECTIVITY
One structured record. Every banking relationship.
SMRTHUB standardises how corporate information is governed, maintained and delivered across banking relationships — assembled once, distributed consistently, kept current everywhere.
DIAGRAM · ILLUSTRATIVE — ONE COORDINATED RECORD ACROSS MULTIPLE BANKING RELATIONSHIPS
How it works
One framework. Three coordinated layers.
SMRTHUB sits above every banking relationship as a single coordination layer — structured modules on top of one connectivity foundation.
Platform Vision
Integrated compliance solutions — KYC, KYB and beyond.
Intelligent Ecosystem
Adaptive to the dynamic trade requirements of businesses.
Future Modules
Expansion beyond KYC and trade, built on the same coordination foundation.
What this enables
A centralised coordination framework.
SMRTHUB standardises how corporate information is governed, maintained and delivered across banking relationships.
- A single, governed record of corporate data
- Consistent submissions across banks
- Structured internal approval processes
- Clear audit transparency
- Scalable coordination as complexity grows
What this is not
01It does not replace banking systems.
02It does not make compliance decisions.
03Regulatory responsibility remains with the bank.
The structural problem
Complexity is growing faster than coordination.
Regulatory requirements keep expanding. Trade and cross-border banking keep adding layers. Ownership structures keep getting harder to interpret. None of that is going away.
Regulatory expansion
Expectations keep rising as global regulations evolve, raising the bar on every submission.
Cross-border complexity
Different regions, different rules — greater challenges for every new banking relationship.
Layered ownership
Corporate hierarchies are often complex and layered — and interpreted differently by every bank.
"Across KYC and trade, corporates repeatedly provide the same information to multiple banks — often in different formats, through different portals and refresh cycles."
What this looks like in practice
Without coordination, each new banking relationship multiplies operational strain.
Multiple banks receiving separate KYC packs for the same entity.
Repeated document uploads — IDs, ownership charts, annual reports.
Follow-ups and email traffic for information already submitted.
Complex ownership structures interpreted differently by each bank.
Trade guarantees entered manually across separate portals.
This is not a workflow inefficiency. It's a coordination gap.
The required shift
A governed framework, not another portal.
Treasury doesn't need more portals or faster form-filling. It needs a governed framework that coordinates how corporate information moves across institutions.
DeepDive
SMRTKYC
In multi-bank environments, KYC becomes repetitive and difficult to control — particularly where entities share directors or layered ownership structures. SMRTKYC brings coordination to onboarding and refresh cycles.
- One structured KYC record maintained centrally
- Consistent distribution across banks
- Clear ownership and UBO visibility
- Managed refresh obligations
- Reduced repetitive follow-ups
Banks retain screening responsibility. Corporates retain control over their information. KYC shifts from reactive document exchange to governed coordination.
DeepDive
SMRTTrade
Trade issuance across multiple banks often requires manual entry into separate portals, inconsistent formats and multi-layer approval handling. SMRTTrade introduces structured coordination to trade workflows.
- Centralised management of guarantee requests
- Consistent execution framework across banks
- Reduced formatting inconsistencies
- Clearer visibility of trade exposure
- Fewer avoidable resubmissions
Banks retain their existing processing and approval requirements. Corporates retain control over what is submitted, when, and to whom. Trade execution shifts from fragmented portal workflows to governed, repeatable coordination.
Why SMRTHUB
Faster onboarding. Less friction. Better control for both sides.
For corporates
- Better bank connectivity
- Faster submission and issuance times
- Reduction in administrative workload
- AI-assisted validation before submission
- Single reusable documentation layer
- Standardised submission format
For banks
- Platform reduction
- Process visibility
- Structured corporate data
- Complete and structured submissions
- Faster internal processing
- Better access to ancillary business
Embedded intelligence
Assisting the structure, not replacing the judgment.
SMRTHUB incorporates embedded intelligence to help structure and maintain consistent corporate records.
Structured organisation of entity and ownership information
Identification of common directors and shared entities
Highlighting of gaps or inconsistencies
Consistency across recurring submissions
Validation and approval before submissions reach the bank
What coordination unlocks
A governance capability, not an operational convenience.
Stronger operational control across banking relationships
Reduced duplication of effort
Improved audit readiness
Scalable growth without process sprawl
Capacity released for higher-value treasury activity
Greater transparency across counterparties
Get in touch
Coordination is not an operational convenience. It's a governance capability.
We're building SMRTHUB with a small number of banking and corporate design partners. Tell us a bit about what you're working on and we'll get back to you.
Prefer email? You can also reach us directly at info@smrthub.ai.