International Contractor & Studio Distribution Wedge
Global Agency Pitch & Compliance Kit
Empowering software agencies in Latin America, Eastern Europe, South Asia, and Africa to close US/EU corporate clients on modern, zero-custody T+0 settlement while eliminating 98% of banking fees.
📑 Executive Briefing for Corporate CFOs & Accounts Payable
Send this one-page compliance memo directly to your client's VP of Finance, Controller, or Accounts Payable to eliminate payment friction and confirm non-custodial safety.
# MEMORANDUM: Settlement Architecture & Compliance Verification
TO: Finance, Legal & Accounts Payable Teams
FROM: [Your Agency Name] via Code402 / JUANA LIMITED
SUBJECT: Modernization of B2B Cross-Border Settlement (Zero Custody & Instant T+0 Rails)
1. EXECUTIVE SUMMARY
To eliminate correspondent wire delays (T+3 to T+7) and intermediary bank fees ($35-$65 per SWIFT transfer + 2.5% FX spreads), [Your Agency Name] has enabled instant, verifiable settlement via the Code402 payment rail, facilitated by JUANA LIMITED (United Kingdom).
2. NON-CUSTODIAL SAFETY (RULE 0)
- The settlement gateway is strictly non-custodial. No customer funds are ever held, pooled, or commingled by Code402.
- The smart contracts (audited Code402AtomicSplitter.sol on Base L2) maintain an invariant balance of strictly $0. Funds move atomically from payer directly to the contractor vault in a single atomic transaction.
- Compliant under UK Payment Services Regulations (PSR 2017) and US FinCEN 2019 Guidance as an exempt technical communications software provider.
3. DUAL-RAIL PAYMENT FLEXIBILITY
Clients may settle invoices through either of two pre-authorized rails:
- Rail A (Instant Web3 / FinTech): 1-click gasless Base USDC settlement via EIP-3009 transfer authorization (0 gas cost to client).
- Rail B (Traditional Corporate Bank Wire): Direct domestic UK transfer (Tide Bank) or international SWIFT/IBAN wire (The Currency Cloud Limited / Barclays) payable to JUANA LIMITED.
4. AUDIT COMPLIANCE & CRYPTOGRAPHIC PROOF
Every settlement generates a signed XDR-1 transaction receipt carrying an immutable ECDSA signature. This provides legal proof of payment for tax and corporate accounting compliance without requiring paper remittance slips.
⚖️ Master Services Agreement (MSA) Payment Addendum
Insert this standard contractual clause into your client contracts, statements of work (SOWs), or engagement letters.
SECTION [X]: INVOICING, CURRENCY, AND SETTLEMENT RAILS
1. Invoicing & Settlement Method.
Client agrees to pay all undisputed invoices rendered under this Agreement within [five (5)] business days of receipt. Invoices shall be issued in United States Dollar Coin (USDC) or USD equivalent, verifiable via the Code402 Protocol.
2. Authorized Payment Channels.
Client may fulfill invoice obligations via either:
(a) Cryptographic Settlement: Direct atomic transfer of USDC on Base L2 to Contractor's designated vault via Code402 gateway, utilizing EIP-3009 gasless authorization; or
(b) Corporate Wire Settlement: Direct wire to Contractor's designated facilitation agent, JUANA LIMITED (England & Wales Company No. [Registered], Sort Code: 04-06-05, Account: 18805291, or International IBAN: GB64TCCL04143445535773).
3. Delivery of Cryptographic Receipt.
Upon execution of payment, Contractor shall deliver a cryptographically signed XDR-1 electronic remittance certificate, which shall serve as definitive legal proof of payment satisfaction for tax and corporate auditing purposes.
✉️ Ready-to-Send Client Scripts (English, Spanish, Portuguese)
--- [ENGLISH: Corporate US / UK Client Email] ---
Subject: Invoice [ID] & Modernized Zero-Fee Payment Option
Hi [Client Name / Accounting Team],
I hope you're having a great week.
Attached is our invoice [ID] for our recent development sprint ($[Amount] USD).
To ensure faster settlement without the usual $50 wire fees and multi-day SWIFT delays, we have set up direct settlement via Code402 / JUANA LIMITED:
👉 1-Click Settlement Link: https://code402.dev/invoice/[ID]
You can settle this in two ways:
1. Instant Base USDC: 1-click gasless payment directly from your corporate wallet.
2. Direct Corporate Bank Wire: If you prefer traditional banking, our invoice provides UK domestic (Tide) and international SWIFT/IBAN (CurrencyCloud / Barclays) coordinates for JUANA LIMITED.
Both options immediately generate a signed XDR-1 audit receipt for your AP records.
Please let me know if you have any questions!
Best regards,
[Your Name / Agency]
--- [ESPAÑOL: Para Clientes en Latinoamérica y España] ---
Asunto: Factura [ID] & Nuevo Canal de Pago sin Comisiones Bancarias
Hola [Nombre del Cliente],
Te comparto nuestra factura [ID] correspondiente al hito de desarrollo entregado ($[Monto] USD).
Para evitar los recargos de $45-$65 por transferencias SWIFT internacionales y los 3-5 días de demora bancaria, hemos habilitado el sistema de liquidación inmediata Code402 / JUANA LIMITED:
👉 Enlace de Factura: https://code402.dev/invoice/[ID]
Pueden abonar vía USDC en Base L2 (sin comisiones de gas) o mediante transferencia bancaria corporativa directa vía IBAN/SWIFT a nuestra cuenta en el Reino Unido.
¡Muchas gracias!
--- [PORTUGUÊS: Para Clientes no Brasil e Internacionais] ---
Assunto: Fatura [ID] & Liquidação Direta Sem Taxas SWIFT
Olá [Nome do Cliente],
Segue nossa fatura [ID] referente às entregas de engenharia de software ($[Valor] USD).
Para eliminar as taxas bancárias abusivas de câmbio e transferências SWIFT internacionais, agora emitimos cobranças via trilho Code402 / JUANA LIMITED:
👉 Link de Liquidação: https://code402.dev/invoice/[ID]
A liquidação pode ser feita em 1 clique via USDC Base ou via transferência bancária internacional direta.
🏛️ JUANA LIMITED Corporate Banking Coordinates
Official regulated banking details for enterprise clients who require traditional domestic UK Faster Payments or international SWIFT wire transfers.
CORPORATE ENTITY & DUAL-RAIL BANKING DETAILS
Legal Entity Name: JUANA LIMITED
Jurisdiction: United Kingdom
Company Type: UK Private Limited Company (B2B Software Development & SaaS)
--- UK DOMESTIC TRANSFER DETAILS (Faster Payments / BACS) ---
Account Name: JUANA LIMITED
Sort Code: 04-06-05
Account Number: 18805291
Bank: Tide
Bank Address: 4th Floor, The Featherstone Building, 66 City Road, London, EC1Y 2AL
--- INTERNATIONAL TRANSFER DETAILS (SWIFT / IBAN) ---
Beneficiary Name: JUANA LIMITED
IBAN: GB64TCCL04143445535773
SWIFT / BIC: TCCLGB3L
Intermediary SWIFT: BARCGB22
Bank: The Currency Cloud Limited
Bank Address: 1 Sheldon Square, London, W2 6TT, England
UK Domestic Bank
Tide (Sort: 04-06-05)
UK Account Number
18805291
International IBAN
GB64TCCL04143445535773
SWIFT / BIC Code
TCCLGB3L (Barclays Intermediary)