Fresh Supply Co (FSCO) is an agri-fintech company based in Queensland Australia. It functions on the Hedera blockchain, leveraging Hedera Hashgraph to enhance transparency, traceability, and financing within agricultural supply chains. The company focuses on providing verifiable provenance for agricultural products and digitizing trade finance. By integrating with Hedera, Fresh Supply Co offers immutable record-keeping for supply chain events, which supports the verification of Environmental, Social, and Governance (ESG) credentials for agricultural producers.

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Their core offering includes the "Continuity API," which facilitates the flow of payments and data through complex supply chains. This technology enables agricultural exporters to track their produce from farm to consumer utilizing global payment networks such as Mastercard. Fresh Supply Co's platform allows for the tokenization of agricultural assets, turning verifiable supply chain data into a digital asset that can be used to secure financing. This approach unlocks liquidity for farmers and suppliers by providing financiers with greater visibility and assurance regarding the underlying commodities and their movement.

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WiCoin is a stablecoin launched by WiPay, a financial technology company with offices in Africa, the Caribbean, Columbia, and the US. It was launched to address the challenges of cross-border remittance and financial exclusion in its operational regions. It was built on the Hedera network utilizing the Hedera Token Service (HTS) and Hedera Smart Contract Service (HSCS) and is pegged to the US dollar. 

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It forms the backbone of the WiCoin Settlement Network, designed to create a unified system for transactions across numerous Caribbean islands, each with its own currency. It also extends into African markets and currencies.

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The primary goal of WiCoin is to "bank the bankless" by providing an accessible and efficient means for cross-border payments and settlements by leveraging Hedera's fast transaction speeds, low and predictable fees, and robust security through its asynchronous byzantine fault tolerance (ABFT).

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WiPay is supported by the Hedera HBAR foundation and seeks to enhance financial inclusion and streamline economic activity in underserved regions by providing a locally-accessible bridge between traditional banking services and low-cost, speedy digital transactions.

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ServiceNow is an American software company, founded in 2003, that provides a cloud-based platform for automating and managing business workflows. Headquartered in Santa Clara, California, ServiceNow’s core offering is the the Now Platform, an intelligent and intuitive cloud platform that automates workflows across IT, employee, and customer service departments. 

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The Now Platform allows businesses to streamline operations, optimize productivity, and create seamless experiences for both employees and customers. It includes a suite of applications for IT service management (ITSM), IT operations management (ITOM), strategic portfolio management, and more.

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As a member of the Hedera Governing Council, ServiceNow is leveraging the Hedera Consensus Service to create immutable and auditable records of transactions and interactions that occur on the Now Platform. This integration enables the creation of trusted, multi-party business processes, enhancing data integrity and enabling new possibilities for tokenization, decentralised identity, and secure data sharing across organizational boundaries. This allows ServiceNow to extend the reach of its digital workflows to entire business ecosystems.

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The eftpos solution by Australian Payments Plus provides a cost effective, secure and flexible payment infrastructure for Australian businesses. It supports real time debit transactions, tap to pay on mobile devices, eftpos QR payments and least cost routing, which allows merchants to automatically direct debit transactions through the lowest cost network to help reduce the cost of acceptance.

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Australian Payments Plus has worked with Google to enable least cost routing in Google Wallet, with ANZ and Suncorp the first issuers to offer this capability. It is also partnering with Giesecke and Devrient to develop eftpos Click to Pay with integrated least cost routing, an online checkout service that uses tokenisation to protect card credentials and is scheduled for rollout from early 2026 following pilot trials.

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These developments enhance payment efficiency, improve security, support domestic data sovereignty and align with Reserve Bank of Australia findings that least cost routing can materially reduce merchant debit acceptance costs.

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