BridgTime Team
0) Monday, 9:40 AM — the ops channel pings
Weekend promo crushed it. Sales charts shoot up, and the finance Slack shows another chart: the cash gap. Big retail channels settle 60–90 days out, and early PG payouts are slow too.
“Revenue is in; where’s the cash we need today?”
Ops lead Nicha has to keep shipments flowing, while finance lead Thanakorn needs to increase limits. Both want the same thing: a way to make today’s sales feel like tomorrow’s cash — credibly.
1) The waiting room of payments
Reality is messy. Chargeback windows are long, batch cut-offs exist, and the risk-bearing side stays conservative. Settlements are slow, and data is fragmented.
Nicha screenshots dashboards and emails them over. Thanakorn replies, “Is this the original source?” They trust each other — but they can’t verify each other’s systems.
2) A lightweight “ticket” for access — BRTM (idea)
What BridgTime imagines isn’t about tech first — it’s about the experience.
Standardize settlement data into Receivable Verification Attestations (RVA) — verifiable signals.
Govern who uses what, when, and how much — with thin, predictable rules.
Here, BRTM is not money. Think access/usage credits — a simple ticket at the door.
When issuing/validating, consuming a small credit (burn/lock, exact method TBD) reduces spam/abuse.
During peak hours, a temporary processing slot can be reserved so queues stay fair.
Audit-log viewing is gated by roles and permissions.
To reiterate: this is an idea-stage scenario. Actual policies/parameters will be decided via pilots and may change.
3) Nicha hits “Issue”
Nicha issues an RVA for yesterday’s sales event. The page shows two simple lines:
“Channel A / Category X revenue — hash commit complete (09:42)”
“Data source & mapping rules — compliant with standard schema”
A tiny amount of BRTM credits is consumed — clearly usage governance, not money. Nicha thinks, “No more screenshots — just send a verification link.”
4) Thanakorn opens “Verify”
Finance lead Thanakorn opens the verification link in read-only view.
Source paths, transform rules, batch hash, timestamps are visible.
There’s a non-editable banner and an attached audit trail.
If needed, he toggles priority read — a small day-of capacity reservation to speed things up. That also consumes a small amount of BRTM.
He posts to Slack: “Signal valid. Requesting +20% limit.”
5) Afternoon at a licensed finance partner
A licensed finance partner (LFP) views the same signal. Their models move faster with standardized, verifiable data.
They have read-only access to RVA validations.
Batch schedules and policies are transparent.
Excessive queries burn credits faster, so they prioritize important checks.
The result is simple: time to decision shrinks. Cash still doesn’t arrive “today,” but yesterday’s sales can be explained like it’s today — credibly.
6) What changes for people
Ops (Nicha): sends RVA links, not screenshots or spreadsheets.
Finance (Thanakorn): asks less “Is this original?” and more “It’s verified — proceed.”
Partners/LFPs: replace repeated calls with API lookups and audit logs.
ISVs/adapters: use sandbox credits to run automated overnight tests.
7) What BRTM is not (important)
Not a security, equity, debt, dividend, interest, revenue share, or redemption right.
Not a payment instrument, e-money, or store of value.
Not a public sale or fundraising mechanism.
8) Roadmap (intent) and honest limits
BridgTime is currently in R&D / pilot-prep.
We’re modeling how to make existing settlement data standardized, machine-readable, and verifiable — without changing PG rules.
On top, a thin utility layer (BRTM) to govern access/usage predictably.
Everything here is informational, jurisdiction-dependent, and subject to change without notice.
9) Toward faster decisions
Nicha and Thanakorn are still busy. The point is to make sure their day doesn’t stall on proof. That’s the small change we imagine.
We want field feedback — what helps, what’s too much, what’s missing.
Telegram: https://t.me/bridgtime
X (Twitter): https://twitter.com/bridgtime
Medium: https://medium.com/@bridgtime
GitHub: https://github.com/bridgtime
Partnerships: info@bridgtime.com
Forward-looking statements: This document includes plans/intent/estimates that may change due to numerous factors. We assume no duty to update. This post is not investment advice, a solicitation, or an offer.
Working hypotheses from our planning—signals we track, approaches we’re exploring.
