Rolling Reserve remains an important tool for risk management, especially in high-risk industries. However, modern technology is opening up new opportunities to optimise this mechanism.

Artificial Intelligence (AI)

AI helps analyse transactions in real time, determining the level of risk. This allows for dynamic provisioning percentages and faster returns.

Blockchain

The use of blockchain provides transparency of withholdings and refunds, eliminates errors and speeds up dispute processing through smart contracts.

Adaptive Reserves

Withholding terms change based on a business' transaction history and refund levels, reducing the financial burden on reputable companies.

Risk insurance

Instead of setting aside funds, some companies use insurance products, which reduces the financial burden and frees up money for ongoing operations.

These innovations help improve risk management, reducing the burden on businesses and increasing confidence in payment systems.