Capture the $200B Digital B2B Commerce Opportunity
Traditional trade finance can't meet the demands of online B2B commerce. Two's banking platform solves this challenge, enabling you to:
Establish trusted B2B transactions between businesses who haven't met
Apply your own risk policies and maintain control
Drastically reduce fraud through advanced verification technology
From Offline to Online Commerce
B2B commerce is rapidly digitizing, with $20 trillion in global B2B e-commerce expected by 2027. This shift demands new payment solutions built for speed and digital trust.
The Trust Gap in Digital Commerce
Unlike offline B2B trade where relationships are established over time, online transactions require immediate trust mechanisms between businesses who may never meet in person.
The Banking Platform for B2B Trade
The B2B commerce landscape is undergoing a fundamental transformation. As trade moves online, businesses need instant credit decisions at checkout—not days later. Traditional banking products like factoring and invoice financing simply don't work in digital commerce.
Delphi Credit Engine
AI-powered credit assessment that outperforms traditional bureaus by 3.8x
Frida Fraud Engine
Advanced verification that reduces fraud by 99% compared to manual reviews
Bank Control Panel
Set credit parameters, risk thresholds, and monitor performance
Choose a Partnership Model
You maintain full control of credit decisions
Apply your existing credit policies
TwoNet provides the technology platform
Integrate with your core banking systems
Your bank retains the customer relationship
Typical fee structure: SaaS
Split credit risk based on your preferences
Set different thresholds by customer segment
Use TwoNet's AI engines with your overlay rules
Balance revenue and risk exposure
Performance-based pricing options
Typical fee structure: SaaS + revenue share per transaction
TwoNet manages the full credit lifecycle
Your bank earns fees per transaction
White-labeled under your bank branding
Fast deployment with minimal IT resources
Comprehensive fraud protection
Typical fee structure: Revenue share per transaction