🏛️ XPndAI — Custom FinTech AI Development

AI Trade Finance Automation & Document Intelligence

XPndAI builds AI trade finance automation systems for banks, exporters, importers, and corporate treasury. Our AI reads complete LC document sets, applies UCP 600 rules, detects discrepancies, and generates structured review reports — cutting document checking time from 2–4 hours to under 25 minutes per presentation. XPndAI Extract is the OCR and extraction backbone: it reads LC sets, invoices, bills of lading, and packing lists across English, Arabic, and Chinese.

🇮🇳 India: ₹15L – ₹1Cr+
🇦🇪 UAE: AED 75k – AED 500k+
📋 Get a Fixed-Price Quote 💬 WhatsApp Our Team
UCP 600
Rule Engine
< 25 Mins
Per Presentation
₹15L
Starting India
English Arabic
Chinese
System Architecture

How It Works — End to End

LC + Invoice + BL + Packing List
XPndAI Extract
Cross-Document Verification
UCP 600 Rule Engine
Discrepancy Report
Human Reviewer
Pipeline

Full Build — Step by Step

1
Document Set Upload & Classification XPndAI Extract
LC (SWIFT MT 700/710/720), commercial invoice, bill of lading, packing list, certificate of origin, inspection cert, insurance document — uploaded as a set. AI classifies each document type automatically without manual tagging.
2
Letter of Credit Term Extraction XPndAI Extract
All LC terms extracted: amount and currency, expiry date and place, latest shipment date, ports of loading and discharge, goods description, required document list, special conditions, INCOTERMS, partial shipment and transhipment permissions.
3
Supporting Document Extraction XPndAI Extract
Commercial invoice (amount, description, shipper/consignee), BL (vessel, ports, on-board date, endorsement, clean/claused), certificate details, packing list quantities. Arabic, English, Chinese — all handled with > 94% field accuracy.
4
Cross-Document Verification AI Agent
AI cross-checks data consistency across all documents before applying UCP 600: invoice amount vs LC amount, goods description consistency across invoice/BL/packing list, shipper/consignee match, port match across documents, currency consistency.
5
UCP 600 Rule Application AI Agent
Article-by-article application — Art. 14 (standard for examination, 5-banking-day rule), Art. 18 (commercial invoice), Art. 20 (BL date, ports, on-board notation), Art. 28 (insurance coverage, currency, endorsement), and all special LC conditions. Each article: pass / warning / fail with LC requirement vs document finding stated.
6
Discrepancy Report Generation AI Agent
Structured discrepancy report: each discrepancy with UCP 600 article reference, LC requirement, document finding, payment impact (material or minor), resolution suggestion. The trade finance checker reviews the AI report with original documents side-by-side.
7
SWIFT MT 700 Parsing AI Agent
SWIFT MT 700/710/720 field tags parsed to standard schema. MT 750 (discrepancy advice) and MT 760 (bank guarantee) also supported. Enables direct data flow from SWIFT messages to trade system without manual keying.
8
Trade System Integration & Archive Integration
Approved data flows to FLEXCUBE, Finastra Trade Innovation, SAP Trade Finance, or custom trade system. Discrepancies posted to checker workflow queue. Documents archived with full audit trail.
Integrations

Systems We Connect To

🏦

SWIFT MT 700 Series

MT 700, 710, 720 (LC issuance/advice), MT 750 (discrepancy advice), MT 760 (guarantee) — raw SWIFT to structured schema.

⚙️

Trade Finance Systems

FLEXCUBE, Finastra Trade Innovation, Bolero, essDOCS, SAP Trade Finance — API or database integration.

🌍

Multilingual

Arabic (UAE, Saudi Arabia, Egypt), English, Chinese simplified, French, Spanish. RTL Arabic handled natively.

🚢

Carrier Verification

Maersk, MSC, COSCO BL verification cross-reference. Container tracking integration for port status.

📊

India Trade Docs

DGFT export licence, ECGC insurance certificate, AD Code — all supported as additional document types.

🔒

Bank-Grade Security

UAE national cloud or on-prem available. Document pipelines encrypted. Bank security architecture.

Compliance

Regulatory Framework

UCP 600 (ICC 2007 — Documentary Credits)
ISP98 (Standby LCs)
INCOTERMS 2020
PMLA / AML — trade-based ML detection (India)
CBUAE Trade Finance Rules (UAE)
DGFT / Customs Act (India)
Pricing

Fixed Price — India & UAE

Discovery workshop → system spec → fixed quote → build → source code handover. No ongoing licence.

🇮🇳 India
₹15L – ₹1Cr+
  • ₹15L–₹25L: Exporter/importer tool, English docs
  • ₹30L–₹50L: Bank trade team, multi-language, 5+ doc types
  • ₹55L–₹80L: Bank + SWIFT + FLEXCUBE/Finastra integration
  • ₹80L–₹1Cr+: Full bank-grade, multi-branch, compliance audit
🇦🇪 UAE
AED 75k – AED 500k+
  • AED 75k–120k: Corporate trade team, English + Arabic
  • AED 150k–250k: Bank, SWIFT + UAE trade system
  • AED 300k–500k+: Bank-grade, CBUAE compliance, UAE hosting
  • AED 500k+: Multi-bank or free zone platform
FAQ

Common Questions

What is AI trade finance automation?

AI trade finance automation uses AI to handle the document-intensive parts of the trade finance workflow. The most valuable application is LC document checking: an AI system reads the full document set presented under a Letter of Credit (LC), extracts data from each document, cross-checks consistency across documents, applies UCP 600 rules article by article, and generates a discrepancy report for the trade finance checker to review. This replaces 2–4 hours of manual checking per presentation with a 15–25 minute review-and-confirm workflow. XPndAI builds these as custom systems for banks, corporate treasury teams, and trade finance companies.

How does XPndAI Extract power trade finance AI?

XPndAI Extract is the document intelligence layer that reads and structures financial documents. For trade finance: Extract reads the LC (in SWIFT MT 700 format or scanned), extracts all LC terms (amount, expiry, ports, goods description, required documents); reads the commercial invoice (amount, goods, shipper/consignee); reads the bill of lading (vessel, ports, on-board date, endorsement); reads the packing list, certificate of origin, and insurance certificate. The output is structured data — not raw text — that the UCP 600 rule engine can check against. This is the difference between raw OCR and a trade finance-ready extraction layer.

Which trade finance document types are supported?

Full set: LC (SWIFT MT 700, 710, 720), commercial invoice, full set bill of lading (ocean + air waybill + multimodal transport document), packing list, certificate of origin (all issuing authorities), health/phytosanitary certificate, inspection certificate, insurance policy/certificate, GSP/preference certificate, standby LC (ISP98). India-specific: DGFT export licence, ECGC insurance certificate, Authorised Dealer Code documents. UAE-specific: UAE Customs import declaration, Dubai Chamber certificate of origin, Jebel Ali port documentation. Additional document types added on request.

Can trade finance AI work for the importer side as well as the exporter side?

Yes. The same extraction and UCP 600 engine is used for both sides with different workflow configuration. For exporters: check your document set before submission to the bank. For the issuing bank (importer's bank): check documents presented against the issued LC. For corporate treasury: automate document review for all inbound trade transactions and flag discrepancies before payment authorisation. XPndAI builds for all configurations. In UAE, the most common entry point is corporate treasury teams at large trading companies and banks with active trade finance desks.

Build Your Trade Finance AI System — Discovery Call

Send 10 sample LC presentations (anonymised). We review and give you a fixed-price proposal in 5 days.

📋 Book Discovery Call 💬 WhatsApp Now
📋 Get a Quote 💬 WhatsApp