Merchant Banking DeFI. Simple. Efficient.
B2B lenders have an issue with money transfer latency. If wires come in too late, B2B lenders must borrow that day at very high interest rates off perhaps one line of credit to cover short-term deficits. If wires come in too early, then the cash (that could be used to pay down other lines) earns nothing.
If B2B lenders were given an intermediary-less way to transact directly with one another, then risk based pricing would improve, more liquidity options would exist, payment latency would be solved, and overall costs of capital would lower, potentially significantly, for consumers.