They are our clients, our friends, good contacts or just people we met in the crypto community. They have a new vision, they are running great projects, they are developing new services or they just want to share their story. Havas Blockchain is interviewing key people of the blockchain ecosystem.

We are today with Somil Goyal, COO of Adjoint:

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1. Could you present yourself?

I am Somil Goyal, COO of Adjoint ( I have a track record of success in the treasury, banking, and technology from leadership roles in Deutsche Bank, EY and Deloitte across the globe. I lead Adjoint’s relationships with treasurers/ CFOs of multinational corporations as well as leading global banks. You can reach me on or LinkedIn.

2. What is Adjoint and do what kind of companies do you work for?

At Adjoint, we simplify and transform financial operations. Our clients are treasurers, financial controllers and CFOs of large multinational enterprises in Europe and the US. We enable them to digitally transform their business operations across corporate finance, intercompany and supply chain.

Our team is highly accomplished with decades of leadership experience in treasury, banking, and finance. We bring market-leading partnerships across enterprise technology, cloud, Big Four, banks and system integrators. We give our clients rapid RoI through the roll-out of innovative treasury technology.

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Our market-leading product Adjoint Treasury enables real-time treasury. This is built on multi-bank virtual account management (figure 1) and flexible interco/ supply chain lending workflows (figure 2). We deliver these by combining innovative technologies like APIs for Open Banking and corporate systems, multi-party workflow using smart contracts, and private distributed ledgers.

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We have won numerous awards including Best Enterprise Process Control Technology in 2019, Most Influential Fintech in 2018 and Most Investable Startup in 2017.

3. How do you think Blockchain will impact the traditional ecosystems in the future?

MNC treasurers and CFOs lead their companies in improving Return on Capital and achieving business growth. By moving to real-time treasury, they can drive profitable growth, take advantage of investment and working capital opportunities, eliminate unnecessary fees and costs, reduce internal workload and time delays, as well as improve their compliance and risk management.

These goals are possible to achieve with innovative technology. Private distributed ledgers connect data silos across the corporate and supply chains, eliminating data mismatches and reconciliation processes. Multi-party workflows using smart contracts drive automation and controls across multiple companies involved in transactions. Open APIs help connect with banks and deep into corporate systems.

Together they drive unique and large value for the finance and commercial departments in large enterprises. This new technology builds upon investments in conventional systems like ERP and TMS; and establishes connectivity, simplification & transformation vis-a-vis banks and internal IT.

Written by

International & global solution for your #ICOs & #blockchain projects @HavasGroup #AMO #Fintech

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