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# Why Blockchain

TPT leverages blockchain infrastructure for specific advantages in trade finance:

<table><thead><tr><th width="197">Capability</th><th width="243">Traditional Finance</th><th>TPT Protocol</th></tr></thead><tbody><tr><td>Settlement</td><td>2-5 business days</td><td>Immediate on-chain</td></tr><tr><td>Custody</td><td>Bank intermediaries</td><td>Smart contract escrow</td></tr><tr><td>Transparency</td><td>Opaque, bilateral</td><td>Fully auditable</td></tr><tr><td>Access</td><td>Geographic/regulatory limits</td><td>Global, 24/7</td></tr><tr><td>Minimum investment</td><td>Often $100K+</td><td>Fractional participation</td></tr><tr><td>Operating hours</td><td>Business hours only</td><td>Continuous</td></tr></tbody></table>

***

## What We Use Blockchain For

The protocol does not use blockchain for speculation or token emissions—it uses programmable escrow and transparent settlement to make real trade finance more efficient.

### Programmable Escrow

Smart contracts hold assets and funds with predefined rules:

* No party can unilaterally access funds
* Settlement triggers are automatic and transparent
* Disputes follow on-chain resolution paths

### Transparent Settlement

All transactions are visible on-chain:

* Asset submissions and verifications
* Funding events
* Maturity and settlement
* Default and recovery

### Global Access

Anyone with an internet connection can:

* Submit assets for financing (after KYB)
* Invest in trade finance yields (after KYC)
* Participate 24/7, regardless of time zone

### Fractional Participation

Blockchain enables:

* Splitting large invoices into smaller investments
* Lower minimum investment thresholds
* Broader investor participation


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