Products

One platform for every foreign trade transaction

Each module below is a distinct part of the platform with its own records, rules and documents. They share one workspace, one party master and one audit trail — so the remittance matched against a Bill of Entry is the same one priced on the FX board and cited in the bank letter.

Matching & allocation · Export 4 suggestions
SB 7719402Altona Foods · USD 48,200 · 04 Aug
SB 7720115Altona Foods · USD 12,400 · 18 Aug
SB 7721890Harbor Ltd · GBP 9,900 · 22 Aug
IRM26091188USD 60,600 · 27 Sep · "ALTONA INV 2291/2304"
IRM26091203GBP 9,850 · 28 Sep · bank charges GBP 50
Why 94%:
one receipt, two Shipping Bills · narration cites both invoices
EDPMS2 closing today
Due in 30 days3 Shipping Bills
Bank charge variancewithin 1.5%
Set-off availableAltona · USD 12,400
Matching and closure tracking

Bills of Entry and Shipping Bills knocked off against remittances, with the reason shown

The engine scores every open customs document against unallocated remittances and tells you why it thinks they belong together. You confirm; it keeps the trail and watches the deadline.

  • Scored suggestions — counterparty similarity, amount, currency and date proximity, boosted when the bank narration quotes your document or invoice number
  • Tiered, scope-filtered matching — a purpose code can only settle the records it is allowed to (S0102 to a Bill of Entry, P0103 to an export advance, refunds only to the original remittance)
  • Tolerances you control — ±2% and ±5 days by default; split payments, partial receipts and one remittance across many documents handled
  • Compliance clocks — 270 days to realise exports, 180 days for import advances, a 120-day MTT outlay cap and credit-day due dates on imports, with overdue alerts and the simulator
  • Closure with variance — write-off only within the lower of 5% or USD 1,000; the declaration is drafted when the rule allows it
  • Bilateral set-off — net an export receivable against an import payable with the same overseas party, with its own reference and audit entry
  • 2026 regime ready — the FEM (Export and Import of Goods and Services) Regulations 2026 rules for imports, the write-off leg and the reportable-transaction trail
Bank letter generation & digital signatures

Bank letters prepared from the record and signed in one step

Every bank letter, Form A2 and declaration is generated from the record it belongs to — counterparty, amounts, currency, document numbers, AD bank and your signatory already filled in. The right document is offered at the moment the rule calls for it.

  • Context-aware — a Realisation Request Letter appears once a sales invoice is linked to its Shipping Bill; a Write-off Declaration only when the residual is within the ceiling
  • Bulk letters — one PDF for several entries, on your letterhead, from your profile's signatory and default AD bank
  • Class 3 DSC signing from Growth for statutory forms and certified attachments
  • E-signature, optional on every plan — off until an owner switches it on; a named signatory allowlist, a fresh authenticator code at the moment of signing, and a public verification code on the document
  • Bank email from your own mailbox — from Growth, the signed package goes to the AD bank from the record, sent through your company’s own mail server and address
  • Document Studio — the document generator from Growth: build your own templates from text, table, signature and image blocks, or duplicate and adjust a built-in one; AI drafting on Enterprise
Realisation Request Letter · SB 7719402 Signed
TO: THE MANAGER, TRADE FINANCE · HDFC BANK, FORT

Sub: Realisation of export proceeds against Shipping Bill 7719402 dated 04 Aug 2026

We confirm receipt of USD 48,200.00 vide IRM IRM26091188 from Altona Foods Pty Ltd against invoice EXP/2291.

For Meridian Components Pvt Ltd · R. Menon, Director

E-SIGNED
TFX-9K2Q
BeforeExcel → Word → check → print → sign → scan
Now⋮ → Generate → Sign → Email

What printing and manual drafting costs you today

Move the sliders to your own numbers. The output counts hours a person spends copying figures into Word, checking them, printing, signing and scanning — and the sheets that no longer need to be printed.

60
25
4
Manual labour hours a year
300hours

≈ 37.5 working days of a finance executive, returned to the desk

Sheets not printed a year
2,880pages

Signed PDFs go to the bank by email; the copy the auditor needs stays in the workspace for 8 years

Figures are your inputs multiplied out, not a promise. Banks' own instructions on wet signatures always prevail.

New · Services Payment module

Outward remittances for services, with the tax treaty worked out before you pay

Freight, SaaS, royalties, professional and technical fees, commissions, overseas office expenses. For each payment FxLayer identifies the applicable DTAA article from the nature of the service and the payee's country, checks the treaty papers on the party master, and calculates the exact TDS rate, the Form 145 part and the GST posture — before execution, with every reason shown.

Treaty detection

About 90 countries in the treaty table; the royalty, FTS, business-profits, shipping and interest articles chosen by purpose code and country, CA-confirmable per row.

Exact TDS rate

Treaty rate when the papers are complete and lower than the Act; otherwise the Act rate with surcharge and cess; s.397(2) without PAN; gross-up when you bear the tax.

Form 145 pre-filled

Part A, B, C or D decided by chargeability, the ₹5,00,000 aggregate and any AO certificate; Form 146 flagged first when needed. Form A2 and the payment request drafted alongside.

Treaty papers on the party

TRC, Form 10F and the no-PE declaration kept on the supplier with validity dates; expired papers are treated as missing and a request letter with the format is one click away.

Try the engine on a payment

A small illustrative sample of the rules. The workspace runs the full table, applies your CA's confirmations and records every reason on the payment.

TDS rate before executionNil
Treaty article—
Form 145—
GST posture—
Papers this tax year
Why
    Merchanting trade (MTT)

    Both legs in one record, one AD bank, the outlay clock running

    A merchant trade is an import leg and an export leg that must close together. The platform keeps them on one record with the transit documents, counts the foreign-exchange outlay days and runs the profit test in any currency pair.

    • Outlay capped at 120 days with a warning from day 90
    • Both legs routed through the same AD bank, checked on entry
    • Form A2 for the import leg under S0108, Merchant Trade Declaration and Request for Closure drafted from the record
    • Completion window becomes informational for trades from the 1 October 2026 regime cut-over
    MTT-2026-0044 · Kaito Ltd → Altona Foods Day 74 of 120
    Import leg · paidUSD 210,000
    Export leg · dueUSD 236,500
    Profit test (INR)+ ₹21.9 lakh
    AD bankHDFC · both legs
    Transit B/L attachedForm A2 · S0108Closure ready at receipt
    FX rates and spreads

    Route every remittance at the best rate, then watch it land

    Your AD banks quote different spreads on the same day. FxLayer compares each quote with the interbank mid-rate, shows the cost of each route in rupees, and follows the SWIFT gpi trail after you send.

    • Live rate aggregation — quotes from each AD bank you hold, compared to the mid; the cheapest route is flagged per currency and amount
    • SWIFT gpi tracking — the MT103's UETR followed hop by hop until the beneficiary is credited, with deductions surfaced
    • Forward contract references on the remittance, so hedged payments settle at the booked rate
    • Shipping Bill drawback FX exposure — Duty Drawback and RoDTEP amounts tracked against each Shipping Bill, so the rupee exposure between shipment, realisation and incentive credit is visible
    • Spread leakage report — what the month would have cost at the worst quote versus the routed rate
    0.16%best spread on the sample board
    5hopstracked on the gpi trail
    2incentive streams per Shipping Bill
    FX board · USD 120,000 · settle T+1 Mid 83.4210
    HDFC83.5540+0.16%
    Axis83.6120+0.23%
    ICICI83.6890+0.32%
    SBI83.7710+0.42%
    Routed via HDFCsaves ₹26,040
    vs worst quoteon this payment
    gpi · MT103 · UETR 9c2e-41b… ACSC
    SentHDFCJPM NYBeneficiary bankCredited

    Illustrative sample board. Rates on this page are not live market data.

    meridian-4f1a@wb.trianzfx.in
    • Open 2
    • Posted
    • Dismissed
    Workbench add-on

    An inbox that does the data entry, then asks you to approve

    Every workspace gets its own inbound email address. Forward a proforma, a SWIFT copy, a bank's request or an MT940 statement and Workbench reads it, extracts the fields, finds the record it belongs to and stages the action. Nothing reaches the register unreviewed.

    • Parses unstructured emails and PDF attachments into structured fields
    • Reads MT103 copies and MT940 statements line by line
    • Recognises the bank asking for "the other side" of a reference and finds the match
    • Suggests only actions from a fixed catalogue; applying one opens the real form, prefilled
    • Available on every paid plan; metered by tasks, one email is one task
    Integrations & intake

    Bank data in, ERP data in, nothing re-typed

    Every route into the workspace goes through the same validation as a typed entry, and every posting is attributed to the user who approved it.

    ERP connectors (Enterprise)

    Zoho Books, Tally, SAP S/4HANA and Business One, QuickBooks, NetSuite, Dynamics 365 Business Central and Odoo. Pull invoices, bank entries and parties on a schedule or on demand into a review queue.

    ZohoTallySAPQuickBooksNetSuiteDynamicsOdoo

    MT940 statements & SWIFT copies

    Upload the AD bank's .sta or .940 file: every :61: line is parsed, matched to a purpose code and staged. MT103 copies arrive through Workbench and prefill the remittance.

    ICEGATE & customs intake

    Bills of Entry and Shipping Bills imported from ICEGATE data or read from the PDF by AI intake, opened in the real form for review before they join the register.

    Excel in, Excel out

    Import your registers from .xlsx or .csv templates; export any register back to .xlsx for your auditor with the trail.

    API

    Enterprise workspaces get API access, so your own systems can read registers and post staged records.

    Tally agent

    A lightweight agent pushes Tally XML on a schedule; an XML export uploaded by hand works too.

    Export incentives · FY 2026-27 12 Shipping Bills
    RoDTEP claimed₹4,12,600
    e-scrip credited₹3,88,100
    Drawback claimed₹6,71,200
    Drawback received₹5,09,000

    Outstanding incentive: ₹1,86,700 across 4 Shipping Bills — the FX exposure on the rupee credit sits beside the realisation clock.

    Export incentives

    RoDTEP and Duty Drawback on the Shipping Bill they belong to

    Record the rate from DGFT's Appendix 4R or the Drawback Schedule for the HS code, and the platform tracks what was claimed, what was credited as e-scrip or received, and what is still outstanding — next to the realisation deadline of the same Shipping Bill.

    Security

    Built for the people who answer to the AD bank

    Authenticator 2FA, step-up on signing

    Password plus authenticator code on every sign-in; a fresh code again before an e-signature is applied.

    Encrypted, with data stored in India

    Secrets and ERP credentials are encrypted at rest, and our data servers are based in India, so your financial data stays in the country. AI features you choose to use (Workbench, document reading, AI drafting) send only the documents you give them to our AI provider’s cloud outside India.

    Audit trail and 8-year retention

    Every action attributed; closed records carry their retention date.

    Pick the plan that fits your volume

    Every paid plan includes every core module on this page. Growth adds the document generator, DSC signing and bank email from your own mailbox; Enterprise adds AI drafting and the connectors.