Hello, FinTech community. Welcome to our FinTech Top Voice Interview Series.
The latest FinTech Interview with Stephan Nilsson, CEO at UNISOT is an interactive Q&A-styled conversation.
Stephan Nilsson is a blockchain entrepreneur, innovator, and technology strategist with over 25 years of experience in IT, enterprise integration, and supply chain management. As the CEO and Founder of UNISOT, he is dedicated to revolutionizing global supply chains through The Public Enterprise Blockchain and AI. His expertise spans enterprise resource planning (ERP), blockchain technology, and IT, with a strong emphasis on transparency and automation. Stephan has devoted his career to developing blockchain-driven solutions that enhance efficiency, trust, and security across industries, enabling businesses to leverage decentralized technology for sustainable growth and innovation.
About UNISOT –
UNISOT (Universal Source of Truth) is a pioneering technology company dedicated to transforming global supply chains through blockchain and AI. Our mission is to provide businesses with real-time asset traceability, automated financial settlements, and secure data management using The Public Enterprise Blockchain. By leveraging Smart Digital Twins, Digital Product Passports, and Decentralized Peer-to-Peer (P2P) Settlements, we empower industries with transparency, automation, and cost-efficient operations.
Our platform eliminates inefficiencies, enhances trust, and ensures data integrity across supply chains. UNISOT enables companies to optimize financial transactions through Triple Entry Accounting (TEA), Peer-to-Peer settlements and Debt Netting, reducing counterparty risk while maintaining regulatory compliance. We are committed to driving digital transformation and creating a more secure, scalable, and sustainable ecosystem for businesses worldwide.
Let’s start…
FinTech Insights (FTI): Hi Stephan, Welcome to the Fintech Top Voice Interview Series. Can you tell us a bit about your “backstory”?
Stephan: Thank you for having me. My journey in fintech and blockchain started 25 years ago while working as an IT integration consultant and SAP Integration Architect in the supply chain industry. During this time, I identified significant inefficiencies, fragmentation, and a lack of transparency in traditional supply chains, leading to lost value, fraud, and operational challenges.
This experience inspired me to establish UNISOT (Universal Source of Truth), a company dedicated to creating fully transparent, efficient, and secure global supply chains. At UNISOT, we leverage The Public Enterprise Blockchain to provide real-time asset traceability, automated financial settlements, and compliance solutions. Our UNISOT Asset Traceability & Digital Product Passport Platform offers end-to-end traceability through Smart Digital Twins of physical products on The Enterprise Blockchain. Additionally, we offer decentralized peer-to-peer (P2P) financial settlements and Debt Netting that will transform how businesses interact, share data, and execute transactions across complex supply chains.
FTI: Can you elaborate on how UNISOT’s platform facilitates secure and transparent financial settlements within complex supply chains?
Stephan: A major challenge in supply chain finance is the delayed, opaque, and costly settlement process due to Data silos and lack of data exchange and transparency. Traditional financial systems rely on intermediaries, leading to delays, risks, and inefficiencies.
UNISOT addresses this through:
- End-to-end Asset Traceability: UNISOT provides a comprehensive solution for tracking assets throughout the entire supply chain lifecycle. By leveraging The Public Enterprise Blockchain, we ensure immutable records of product origin, movement, and transformations. This enhances operational transparency, reduces fraud, and ensures regulatory compliance. Through our solutions businesses gain real-time insights into product status, provenance, and authenticity, enabling better decision-making and risk management.
- Decentralized Peer-to-Peer (P2P) Settlements and Debt Netting: Businesses can instantly settle payments and automate debt netting via The Public Enterprise Blockchain, reducing counterparty risks, lowering financial costs, and improving liquidity.
- Triple Entry Accounting (TEA): Financial records are cryptographically signed and secured on The Public Enterprise Blockchain, ensuring automatic auditing and fraud-proof transactions. By eliminating the risk of data manipulation or fraudulent accounting practices, TEA enhances transparency and trust in financial reporting. Each financial transaction is recorded in The Public Enterprise Blockchain, creating an immutable audit trail that can be audited in real-time. This innovation not only reduces auditing costs for enterprises but also strengthens audit quality and compliance with regulatory requirements, paving the way for a more accountable and efficient financial ecosystem.
This approach enables businesses to achieve real-time financial transparency, automated reconciliations and auditing, and significantly lower transaction costs, which are essential for the evolving digital economy.
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FTI: With growing consumer demand for transparency, how can UNISOT’s platform empower financial institutions to offer innovative sustainability-linked financing solutions?
Stephan: Financial institutions require access to real-time, verifiable, and secure data to assess risks and offer tailored financing solutions. UNISOT’s Asset Traceability & Digital Product Passport Platform enables financial institutions to:
- Access Reliable and Verified Data: Our platform secures accurate and immutable product lifecycle data directly by supply chain actors IT systems, ensuring integrity and compliance with regulatory requirements.
- Enhance Risk Assessment and Credit Decisioning: Banks and investors can make fact-based financing decisions based on tamper-proof blockchain records, reducing credit risk and enhancing lending efficiency.
- Enable Incentivized Financing Models: Financial institutions can offer optimized loan terms and interest rates to businesses that demonstrate traceable, responsible, and efficient supply chain operations, fostering greater accountability and efficiency.
By leveraging blockchain-powered financial transparency, financial institutions can develop more accurate, data-driven financing models and optimize lending efficiency for businesses of all sizes.
FTI: UNISOT is solving some of the supply chain management sector’s most prevalent challenges with solutions built on The Public Enterprise Blockchain. What are your comments?
Stephan: UNISOT leverages The Public Enterprise Blockchain to solve critical supply chain issues, such as lack of data exchange, transparency, slow financial settlements, and inefficient auditing quality.
Unlike private Distributed Ledger Technology (DLT) solutions, the open and scalable Enterprise Blockchain network enables:
- Universal Accessibility: All supply chain participants—from suppliers to financial institutions—can interact securely.
- Real-Time Data Sharing: Smart Digital Twins ensure that product provenance, compliance data, and ownership transfers are permanently recorded and verifiable.
- Scalable, Low-Cost Transactions: Unlike traditional centralized systems, The Public Enterprise Blockchain supports microtransactions at a fraction of the cost, making it ideal for high-frequency supply chain interactions.
By solving these inefficiencies, UNISOT enables businesses to achieve frictionless commerce, enhanced trust, and seamless regulatory compliance at scale.
FTI: Could you please explain how an “open blockchain” platform works?
Stephan: The Public Enterprise Blockchain is a scalable, secure, open public, decentralized, and immutable ledger where the blockchain transactions are transparent, verifiable, and tamper-proof. Unlike private DLTs, which are actually limiting participation, security and scalability compared to The Public Enterprise Blockchain with:
- Ensured Global Interoperability: Businesses and institutions can seamlessly integrate with a unified, permissionless network on a secure permissioned business layer.
- Enabled instant Peer-to-Peer transactions secured in the blockchain. Not Peer-to-Miner/Validator-to-Peer as most other blockchains and DLT’s operate.
- Guaranteed Data Integrity: Every transaction is cryptographically signed and permanently recorded, preventing fraud. The Public Enterprise Blockchain has a 16 year track record of Data Integrity.
- Guaranteed Unlimited Scalability: Due to the unlimited block size, scalability is unlimited. The Public Enterprise Blockchain handles over a million transactions per second (TPS), and never experience congestions.
- Guaranteed Cost Energy Efficiency: Due to the unlimited scalability, the transaction costs, as well as the energy consumption, per transaction is shrinking with higher volumes, providing Economy-of-Scale.
- Guarantees Data Availability: The Public Enterprise Blockchain has a proven Uptime of 100.0% for the last decade! No other blockchain or DLT can prove the same.
- Guarantees Protocol Stability: As The Public Enterprise Blockchain protocol is Locked, companies can trust that Transactions, Tokens and Smart Contracts remains intact and functional tomorrow as well in 100 years from now. Giving an unprecedented integrity and security. All other blockchains do not have a locked blockchain protocol, meaning that the core blockchain developers can change the protocol and thereby destroy the blockchain integrity and security.
- Removes Intermediaries: Transactions occur directly between parties, reducing costs and delays.
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FTI: Please tell us about P2P blockchain benefits?
Stephan: P2P blockchain transactions offer significant advantages:
- Faster Settlements: Instant cross-border transactions without intermediaries.
- Lower Costs: Elimination of traditional banking fees, reducing operational expenses.
- Increased Transparency: Transactions are immutable and verifiable, ensuring accountability.
- Reduced Fraud: Cryptographic security prevents double-spending and unauthorized modifications.
For businesses, this translates to real-time, cost-efficient transactions with no dependency on banks or third parties.
FTI: Looking ahead, what are your predictions for the role of fintech in ensuring responsible and sustainable practices within global supply chains?
Stephan: Fintech will play a key role in:
- Automating Supply Chain Finance: Reducing inefficiencies through blockchain-based decentralized settlements and Debt netting.
- Enhancing Data-Driven Financial Decision-Making: Providing real-time, immutable insights to lenders and investors.
- Decentralized Finance (DeFi) for Enterprises: Shifting towards blockchain-based, real-time P2P finance models.
The next wave of fintech innovation will combine AI and Blockchain to enable Decentralized Machine Learning and Autonomous AI Agents, ensuring trust-based, autonomous supply chains.
FTI: Considering the anticipated USD 23.3 billion market size by 2028, what key technological advancements do you believe will drive the evolution of the blockchain domain and shape its future by 2030?
Stephan: One of the most critical advancements will be scalable and high-speed blockchain networks that support millions of transactions per second (TPS) without congestion. Unlimited block sizes, as seen in The Public Enterprise Blockchain, will ensure seamless global adoption without performance bottlenecks.
AI and Blockchain Integration will enable Decentralized Machine Learning and Autonomous AI Agents, allowing businesses to automate decision-making, enhance data privacy and data provenance. Combining AI with blockchain will create self-optimizing, fraud-resistant, and highly efficient supply chain networks.
Triple Entry Accounting (TEA) and Automated Auditing will become standard in financial reporting. This will revolutionize the accounting industry, eliminating manual reconciliations and making audits real-time, transparent, and tamper-proof.
History will repeat itself; history has demonstrated how early private networks such as CompuServe, America Online (AOL), Prodigy, etc. merged into the Public Internet we all know and use today. Similarly, the current landscape of Distributed Ledger Technologies (DLTs) and ‘private blockchains’ will consolidate into The Public Enterprise Blockchain, establishing a single, global public blockchain network. This transformation will eliminate the need for unsecure and expensive interoperability between disparate blockchain networks, as enterprises will adopt this unified, open infrastructure that ensures seamless collaboration, security, and efficiency.
Decentralized Finance (DeFi) for Enterprises will be a game changer, replacing traditional trade finance mechanisms with Peer-to-Peer (P2P) Settlements and Debt Netting. This shift will drastically reduce costs, eliminate intermediaries, and enable instant settlements across borders.
By 2030, these technological advancements will position The Public Enterprise Blockchain as the foundational layer of global finance, supply chain management, and digital trust systems, ensuring transparency, security, and efficiency across industries.
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FTI: A fresh tip on Fintech that you would like to give our readers?
Stephan: Fintech success is built on Truth, Trust, and Transparency. Companies that embrace The Public Enterprise Blockchain and AI integration will lead the future of supply chain finance, lending, and automated auditing.
FTI: Please tag a fintech leader or researcher you would like to be featured in the Fintech Top Voice interview series?
Stephan: I’d tag my colleague Torje Vingen Sunde, a former auditor with expertise in auditing, accounting, and blockchain technology.
Thank you so much for sharing your insights on Fintech with us, Stephan! We look forward to having you again at Fintech Top Voice series.
