Why should I partner with Debita?
Empower SMEs with digital bonds: your bank at the forefront of financial innovation
At Debita, we focus on empowering SMEs through private digital bonds, offering a faster and more efficient path to capital than traditional methods. By partnering with banks, our platform streamlines every step—from structuring to placement—thereby reducing entry barriers and operational costs. This collaboration enables banks to expand their reach in the SME market without adding on-balance-sheet exposure, while SMEs gain access to the funding they need for sustainable growth and innovation.
1. Enhancing financial inclusion for SMEs throug innovation
By joining Debita’s ecosystem, banks can extend their reach to SMEs in emerging markets and underserved segments—bridging funding gaps while maintaining regulatory compliance.
Leveraging DLT, Debita enables automated management of digital vouchers by taking advantage of the opportunities offered by Smart Contracts (DvP, automated payments, direct distributions, pre-programmed compliance conditions). We also use AI for credit risk analysis adapted to the specific characteristics of MYPIMES and for support during the structuring process, in collaboration with the bank.
This partnership not only drives financial inclusion and local job creation, but also positions banks at the forefront of sustainable, innovation-driven growth.
2. Maintaining Basel III/IV compliance while unlocking new revenue opportunitiess
Banks today face increasing constraints under Basel III/IV, making it challenging to expand lending while preserving healthy capital ratios. Debita addresses this by facilitating off-balance-sheet debt issuance. Rather than adding loans to their balance sheets, banks guide SMEs through private digital bond placements, ensuring solvency remains intact and regulatory requirements are met.
This model not only enables banks to support smaller enterprises without breaching capital limits but also opens the door to new fee-based income streams. Banks can generate revenue from advisory and facilitation services while expanding their value-added offerings, such as custody, exchange/FX services, and currency hedging. By embracing this innovative approach, banks enhance their market positioning as leaders in financial innovation and key drivers of economic growth, particularly in high-potential or underserved markets. This aligns with ESG objectives and corporate social responsibility goals, further solidifying their role as comprehensive financial partners.
3. Staying Competitive in a Fintech-Driven Landscape
Tokenized bonds, AI tools, and streamlined workflows give banks the agility to enhance customer experiences and keep pace with fintech disruptors. This future-proof solution allows institutions to adapt to rapidly changing market conditions while upholding trust from both regulators and clients.
Conclusion
Strategic partnership with Debita
Modernize service offerings and drive innovation: Update and enhance banking services to meet current market demands.
Support SME growth: Assist SME clients in raising private debt, fostering stronger client relationships.
Unlock new revenue opportunities: Generate income without impacting the balance sheet, adhering to Basel III/IV requirements.
Maintain robust solvency: Ensure capital efficiency and regulatory compliance, positioning the bank as a leader in providing inclusive, efficient, and secure financial solutions for SMEs.
Partner with Debita to transform your bank’s capabilities, support SME growth, and achieve sustainable revenue growth—all while maintaining strong solvency and capital adequacy.
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