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Platforms & Marketplaces

Govern payouts and settlement across thousands of counterparties. Private settlement domains for your ecosystem at near-zero marginal cost.

B2B marketplaces & trade networks

Marketplaces and trade networks where verified businesses transact with each other and the platform carries the settlement burden.

The problem

Settlement over rails you do not govern

Buyers and sellers settle over external rails with external fees, and the platform absorbs the reconciliation load without seeing either side clearly.

Capabilities in play

  • Private domain for the marketplace. A private settlement domain for the marketplace: members transact on-us inside rules the platform defines and governs.
  • Extended-KYB membership. Every member credentialed and verified before they can transact, monitored continuously.
  • Ecosystem netting. Obligations compress to net positions before anything touches an external rail.
  • Rich data on every trade. Trade references travel with the payment on both sides, so both counterparties reconcile automatically.

Use cases

  • Settlement domains for verified businesses. Members transact on-us inside a domain the platform defines and governs.
  • Members verified before they transact. Every member credentialed and verified before they can transact, monitored continuously.
  • Net positions before external rails. Obligations compress to net positions before anything touches an external rail.
  • Rich data for both sides. Trade references travel with the payment, so both counterparties reconcile automatically.

Use-case gallery

Marketplace settlement

Situation today
Buyers and sellers settle over external rails. The platform carries the reconciliation burden, the fee stack, and counterparty risk it cannot see.
How CPN does it
The marketplace becomes a private settlement domain. Members join through extended KYB, transact by CPN ID, and settle on-us with invoice-level data attached to every transfer.
Outcome
Settlement is instant inside the domain, reconciliation is automatic on both sides, and CPN takes no spread inside the network.

Value emphasisEconomics and data accrue to the platform.

Consumer marketplaces & gig and creator platforms

Platforms paying large populations of sellers, drivers, hosts, and creators, where payout day is the product experience.

The problem

Mass payouts with scheme costs and support tickets

Thousands of payouts across accounts, cards, and wallets, each carrying scheme fees, and each failure becoming a support ticket. Payout economics compound at platform scale.

Capabilities in play

  • Mass payouts from one instruction set. Mass payouts to accounts, cards, and wallets served from one instruction set, least-cost routed.
  • Payouts by CPN ID. Inside the domain, the CPN ID is the only beneficiary reference you hold.
  • Least-cost routing per payout. Each payout takes the cheapest eligible path: account, card, wallet, or on-us.
  • Scheme dependency reduction. On-us settlement inside the domain reduces the share of payouts that ride external schemes at all.

Use cases

  • Least-cost routing to accounts, cards, and wallets. Accounts, cards, and wallets served from one instruction set, least-cost routed.
  • One beneficiary reference to hold. Inside the domain, the CPN ID is the only beneficiary reference you hold.
  • Fewer payouts ride external schemes. On-us settlement inside the domain reduces the share of payouts that ride external schemes at all.

Value emphasisPayout economics at platform scale.

Franchise & dealer networks

Brands whose money moves in recurring cycles across a known network: royalties, rebates, allocations, settlements.

The problem

Known counterparties on external economics

The network is closed and the flows are predictable, yet every cycle pays external fees and re-keys the same reconciliation.

Capabilities in play

  • Private domain for the network. Royalties and settlements run on-us between verified members of a domain you govern.
  • Programmable settlement timing. Release windows tied to your cycle: month end, delivery, or terms.
  • Rebates and allocations as rich data. Adjustments travel with the payment instead of in a spreadsheet behind it.
  • Ecosystem netting. Cycle obligations compress to net movements at the edges.

Use cases

  • Recurring flows on a private domain. Royalties and settlements run on-us between verified members.
  • Release windows tied to your cycle. Release windows tied to your cycle: month end, delivery, or terms.
  • Adjustments travel with the payment. Adjustments travel with the payment instead of in a spreadsheet behind it.
  • Cycle obligations compress to net movements. Cycle obligations compress to net movements at the edges.

Value emphasisPredictable flows with programmable economics.

Industry consortia & closed ecosystems

Industry groups building shared settlement infrastructure their members trust because the members set the rules.

The problem

Shared infrastructure needs neutral rules

A consortium needs participation rules, fee models, and dispute norms its members agree on, enforced by infrastructure none of them individually controls.

Capabilities in play

  • Participation rules you design. Membership criteria, limits, and roles encoded in the scheme rulebook as data.
  • Fee models you shape. The consortium decides the economics; the network enforces them.
  • Attestation and dispute norms. Network attestation and dispute norms: every transaction attested against the rules in force, giving disputes a shared record.
  • No spread inside the network. CPN takes no spread inside the network; charges apply only at the off-ramp.

Use cases

  • Design participation rules. Membership criteria, limits, and roles encoded in the scheme rulebook as data.
  • Shape ecosystem fee models. The consortium decides the economics; the network enforces them.
  • A shared record for disputes. Every transaction attested against the rules in force, giving disputes a shared record.
  • Charges only at the off-ramp. CPN takes no spread inside the network; charges apply only at the off-ramp.

Value emphasisNetwork Power realized.

Set your rules once. CPN applies them to every transaction, on every rail.

Compliance

Membership is the compliance perimeter

In a private domain, compliance starts at admission. Members are verified before they transact, monitored continuously, and every movement is attested against the rules in force.

  • Extended KYB at admission

    Every member credentialed and verified before entering the network, with expiry and renewal monitored in the Trust Vault.

  • Screening at the edges

    Flows crossing the network boundary are screened like any external payment, before release.

  • Attestation per transaction

    Every on-us movement is recorded against the rulebook version in force.

  • A regulated operator

    Registered Payment Service Provider under the Retail Payment Activities Act, supervised by the Bank of Canada. FINTRAC-registered Money Services Business.

Onboarding

Live in weeks, not months

  1. 01

    Discovery

  2. 02

    Configuration

  3. 03

    Connectivity

  4. 04

    Pilot

  5. 05

    Production

Configuration over custom builds, with 24/7 SLA-backed support from day one.

Want to measure the value this can drive for your business?

Under ten inputs. Three conservative percentages, framed as a floor, not a forecast.

Archetype preselected · Platform ecosystem

Estimate your value

Indicative and archetype-driven.

Design the network. CPN enforces it.

Verified members, your rules, instant on-us settlement, and CPN takes no spread inside the network.

Contact usSee private networks