How does Troc Circle algorithm work?

Troc Circle is an easy, secure, and fast netting platform that proposes group deals by offsetting receivables with payables. In the left example underneath: the Hotel owes the insurance company $10.000, the insurance company owes the factory $15.000 for raw material, and the factory owes the hotel $5.000 for a stay of their employees. Our algorithm is programmed to recognize this as a financial circle where $5.000 can be netted out of every party’s owed amounts. The remaining result will be the right example underneath, where the total receivables have increased by 3 x $5.000 = $15.000 and simultaneously the total payables have decreased by 3 x $5.000 = $15.000. Although no actual money has been moved, the total debt in this financial circle has decreased.

This in the end reduces the amount of money that needs to be transferred between the actors of the circle - resulting in a faster payment and a lower working capital to match expenses.


As a result, the quantity and amounts of pending transactions for the three actors in the circle have been reduced. Thus, when the Hotel and the Insurance make their due payments of $5.000 and $10.000 respectively, their transaction (and potential currency conversion) fees will be reduced as well, for these are based on a percentage of the total transferred amount. In short Troc Circle reduce the risk of bad debt.

Handling payment chains.

Troc Circle works on an upgrade of the algorithm where it can play by itself a closing role in a financial circle. In the example you can see that DZ Bank and Stripe are not forming an actual circle by themselves, but Troc Circle is playing a middle role in order to complete the circle and perform the reduction of debt between the actors.


Troc Cricle security measures

  • Troc Circle does not move any money around: so there is no risk of losing money because of a transaction error.
  • No user ever gets paid without paying at the same time: every receivable is always offset by a payable of the same amount.
  • Troc Circle does not disclose your business partners: your clients and suppliers identity and data are kept private.
  • Troc Circle works with level 1, PCI compliant payment gateways: your banking information is handled by the best.
  • Troc Circle keep safe all your data on a highly secured VPS: your data remains completely private and anonymous at all times.
Algorithm update for payment chain netting
Troc Circle works on an upgrade of the algorithm where it can net out a payment chain in an easy and secure method.
Update the Troc Circle's accountant functions
The updated accountant functionality features a smooth data sharing with accountants.
Integrate online payment processors
Looking forward to integrate online payment processors.
Desktop application
Release of a desktop application for Windows and MacOS
White-label app integration
Troc Circle will release a web application that allows corporates to smoothly white label our services and grow the network.
In progress
Prepare release of Beta Version 0.2
Stay tuned for Troc Circle's upcoming version featuring an enhanced user experience and an optimized netting formula.
Integrate with accounting software's
We are currently working on API integrations allowing an automated integration with businesses' accounting software.
Release of Beta Version 0.1
We went live and released the version 0.1 of our Beta app on the 25th of January 2020.