EXPO BRIDGE
Blockchain-based pre-shipment trade finance. Replacing traditional Letters of Credit with USAD-backed digital escrow and instant global settlement.
Trade Finance is Slow & Expensive
Slow Setup
Letters of Credit take 5 to 30 days to arrange, requiring extensive paperwork, multiple bank approvals, and complex documentation reviews.
High Costs
Traditional trade finance instruments charge 1-3% of the transaction value in bank fees, plus additional charges for advising, confirming, and processing.
Document Fraud
An estimated 5-10% of global trade documents contain discrepancies. Paper-based Bills of Lading, invoices, and certificates are susceptible to forgery.
Financial Exclusion
Producers in unbanked or underbanked regions cannot access LC-based financing at all, locking them out of international trade opportunities.
Six Steps to Secure Trade
Letters of Credit vs EXPO BRIDGE
| Feature | Traditional Trade Finance (LCs) | EXPO BRIDGE |
|---|---|---|
| Setup Time | 5-30 days | Minutes to hours |
| Cost | 1-3% + bank fees | Blockchain tx fees only |
| Bank Dependency | Issuing, advising, confirming banks required | None — USAD escrow on-chain |
| Documentation | Paper-based, fraud-susceptible | Digitally hashed, on-chain anchored |
| Transparency | Opaque, bank-mediated | Fully auditable on-chain |
| Accessibility | Requires banking relationships | LYDIA Wallet + USAD |
| Settlement Speed | Days to weeks | Seconds (USAD) or 1-5 days (fiat) |
| Dispute Resolution | Bank-mediated, slow | 24-72 hour structured window |
Complete Trade Infrastructure
Settlement Channels
USAD Settlement
All EXPO BRIDGE trades settle in USAD. The escrow contract releases USAD directly to the producer's wallet. No intermediary banks. Fully on-chain and auditable.
Local Currency On-Ramp
Buyers can convert their local currencies (USD, EUR, TRY, and more) into USAD through the built-in on-ramp. Once converted, the trade proceeds natively in USAD.
Off-Ramp for Producers
Producers who receive USAD can convert it back to their local currency through the off-ramp. Hold as USAD for stability, or cash out whenever needed.
Security & Compliance
Audited Smart Contracts
All smart contracts are audited by Certik. The escrow logic follows a minimal-trust model where no single party can redirect funds.
KYC / AML Compliance
All participants complete KYC/KYB through Shuftipro. Trade risk assessment includes counterparty screening against sanctions lists.
On-Chain Data Integrity
Trade documents are hashed (SHA-256) and anchored on-chain, making them tamper-evident and creating a permanent audit trail.
Regulated Fiat Channels
All fiat transactions are processed through supervised and compliant financial infrastructures, ensuring adherence to AML regulations.
Common Questions
EXPO BRIDGE is Lydia Coins's blockchain-based pre-shipment trade finance and secure settlement infrastructure. It replaces traditional Letters of Credit with a digitally native framework built on USAD collateralization, smart contract escrow, and verifiable on-chain trade documentation. It operates as a module within the LYDIA Wallet.
Instead of relying on banks to mediate trust between buyers and sellers, EXPO BRIDGE uses USAD (a USD-pegged stablecoin) as both collateral and settlement currency. The buyer's USAD is locked in a smart contract escrow that automatically releases funds when shipment conditions are verified — no banks needed.
USAD is Lydia Coins's stablecoin designed to maintain a 1:1 peg with the US Dollar. Every USAD in circulation is backed by an equivalent amount of Registered Real World Assets (RWA) held in US-regulated banks. It serves as both the settlement currency and collateral asset in EXPO BRIDGE.
Both producers (exporters) and buyers (importers) can use EXPO BRIDGE through the LYDIA Wallet. All participants must complete KYC (Know Your Customer) and KYB (Know Your Business) verification. It is accessible to anyone with a LYDIA Wallet and USAD, regardless of banking relationships.
After shipment documents are uploaded, a 24-72 hour verification window begins. During this period, the buyer can raise a dispute if documents appear fraudulent or goods don't match specifications. If disputed, the transaction is frozen and a structured review process evaluates evidence from both parties, with outcomes ranging from full release to full refund or partial settlement.
If the verification window expires without a dispute, the smart contract automatically releases the locked USAD to the producer. This is handled by a time-locked smart contract function — no manual intervention is required.
All trades settle in USAD, but you don't need to already hold it. Buyers can convert their local currencies (USD, EUR, TRY, and more) into USAD through the built-in on-ramp directly within the LYDIA Wallet. Producers who receive USAD can hold it for stability or convert it back to their local currency through the off-ramp.
Currently, EXPO BRIDGE operates as a module within the LYDIA Wallet. A standalone application is planned for future development to provide a dedicated trade finance experience.
Join the Lydia Revolution
Experience the future of stable digital currency. Join thousands of users who trust Lydia for secure, inheritable, and transparent digital finance. Backed by $34.69 Billion in real-world assets.