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Third-Party Money (3PM)

The shift to an increasingly online, digital economy creates new opportunities
and considerations for treasury operations. 

 


One of the biggest new developments is third-party money (3PM)–managing cash
that does not belong to the treasurer’s company.
 

The breadth and scope of 3PM will only grow in the coming years with the rise of super-apps and online marketplaces.

Being able to process 3PM efficiently allows businesses to better monetize their existing infrastructure and platforms and tap into new opportunities.

  • Offer additional goods and services from 3rd
    party players, like an online marketplace
  • Facilitate payments quickly and efficiently to
    suppliers, such as ride-hailing services
  • Offer digital wallets, which may involve storing
    funds on their customers’ behalf

Key considerations for treasurers

Corporate treasurers have to think about a number of areas when tasked with
managing a flow of funds destined for different receivers, including:

 

Setting up more accounts to
take care of divergent fund
flows.

Paying out cash to multiple
external businesses.

Aligning with different licensing
or regulatory models.

Maintaining the separation of
fund types without sacrificing visibility and efficiency.

Major opportunities for 3PM

As 3PM becomes more important, the role of corporate treasury will continue to evolve; shifting the primary focus from areas like multi-currency management and risk management to encompassing settlement optimization, frictionless payments and complex new account structures. Opportunities include:

  • Treasury Optimization
  • Payments as a Service
  • Loyalty and Rewards
  • Data Collection and Insights

The partner bank solution

J.P. Morgan has an in-depth knowledge of 3PM, extracting its benefits and
navigating the landscape with our partner clients daily.