The Digital BEX Company

Modernizing the Bill of Exchange (BEX) — proven for centuries, reimagined for today.

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Digital Bill of Exchange (BEX)

For centuries, businesses around the world trusted the Bill of Exchange (BEX) — and for good reason. It secures transactions, enables extended payment terms and credit, is freely tradable, and operates seamlessly across borders.

The challenge? Bound to paper and wet-ink signatures, it slowly disappeared from today’s business world.

Herita Technologies brings the Bill of Exchange into the digital age. From drawing, accepting, endorsing, and retiring to protest and even trade — everything now happens digitally on one secure, central, and trusted platform. Fully MLETR-compliant and globally accepted.

Assurance of Payment

Provides a written, legally enforceable order to pay, which reduces the risk of default.

Allows Credit Transactions

Buyers can purchase goods on credit, and sellers can turn idle cash into yield.

Tradability

A BEX can be traded to receive immediate funds.

International

Widely recognized and used in cross-border transactions.

Solutions

The Digital Bill of Exchange (BEX) is a versatile instrument in trade finance.

Discover how it can be applied across different scenarios to power secure, flexible, and global transactions:

Buy Now, Pay Later for B2B

Working Capital Management

A Digital Bill of Exchange (BEX) is a powerful tool for working capital optimization, as it provides businesses with flexibility in managing cash flows. For sellers, it secures future payment while allowing them to access immediate liquidity through discounting with banks. Buyers, on the other hand, benefit from extended credit terms, freeing up cash to invest in operations before settling their obligations. By formalizing trade credit and offering negotiability, a BEX helps companies balance receivables and payables more effectively, improving liquidity and strengthening overall financial efficiency.

Buy Now, Pay Later for B2B

Working Capital Management

Turn Idle Cash Into Yield

Captive Finance

Historically, captive finance solutions required obtaining a banking license, a highly complex and resource-intensive process that often necessitated costly external consulting. While many industrial companies once pursued this path by establishing their own banking entities, recent regulatory changes have made such ventures increasingly impractical. The Digital BEX provides a framework, enabling businesses to offer financing without the need for a banking license. This solution not only ensures low risk and global accessibility but also offers a seamless setup process, reducing what was once a multi-year endeavor to just a matter of days.

Turn Idle Cash Into Yield

Captive Finance

Stay Compliant, Stay Flexible

Navigate EU Late Payment Rules

The EU Late Payment Initiative—often referred to as the Late Payment Directive (2011/7/EU) or the updated Late Payment Regulation—is a European Union policy designed to curb delayed payments in commercial transactions. By enforcing strict maximum payment terms and introducing automatic penalties for late settlement, the initiative aims to protect liquidity in the supply chain and reduce the financial strain on smaller businesses. However, these rules can create challenges for companies that need greater flexibility in managing cash flow and working capital. This is where a Digital Bill of Exchange (BEX) can provide a compliant alternative. As a legally recognized negotiable instrument, a BEX formalizes the payment obligation and allows both parties to agree on terms that respect EU regulations while still offering extended credit or earlier liquidity through discounting.

Stay Compliant, Stay Flexible

Navigate EU Late Payment Rules

Herita is a partner at the Alpbacher Finanzsymposium

Join us there for a workshop by our CEO, Christoph Iwaniez, on "Liquidität strategisch nutzen: Mit einem vergessenen Finanzkonstrukt zur eigenständigen Absatzfinanzierung."

ABOUT US

About Us

Herita Technologies is a fintech company founded by financial experts, industry veterans, and leading industrial partners. We share a common mission: to simplify trade finance, reduce dependencies, and foster sustainable growth across industries. By combining proven trade instruments with cutting-edge technology, we are reshaping global trade finance for the digital age.

Learn more:

Reach us at herita@herita.tech or through the contact form below:

Herita Technologies

Berlin · Heidelberg

Imprint

Herita Technologies

Berlin · Heidelberg

Imprint