CocoLabs
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TRADING ACCOUNTS

Prove how much of your client’s money is left, in every currency.

CocoTrado is for agents who buy goods on behalf of a client with the client’s money. It keeps one ledger per client per currency, needs two signatures to pay a supplier, and prints the statement your client actually reads.

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MADE FORBuying agentsTrading housesImport agentsFinance teams
 CocoTrado
USD · AVAILABLE95,000.00
AED · AVAILABLE618,306.35
FAPayment to Tata ConsumerAwaiting 2nd signature
The problem

What today looks like, and what changes

Four things every team told us. On the left, the way it is done now. On the right, what CocoTrado does about it.

TODAYThe balance lives in a spreadsheet

One sheet, one person who understands it, and a number the client has to take on trust.

WITH COCOTRADOOne ledger per client per currency

Opening, received, paid, charges, fees, adjustments. The running balance is right at every line and never combined across currencies.

TODAYCurrencies get mixed

AED in, USD out, a rate remembered from that day. The statement adds things that should never be added.

WITH COCOTRADOBoth sides of every payment

What left the client’s balance, what the supplier received, and the rate between them, stored on the row forever.

TODAYOne person can pay

The same person prepares and releases a supplier payment. The bank and the auditor both notice.

WITH COCOTRADOMaker and checker

Finance prepares, a different person approves. No role holds both, and the database refuses anything else.

TODAYStatements are built by hand

Every month, an evening of copy and paste, and a figure nobody can reproduce later.

WITH COCOTRADOA statement in one click

A three-sheet Excel with live formulas and a PDF, per client, per period, archived so it reproduces exactly.

Features

What CocoTrado does

Eight things it does well. Press one to read how it works and who it is for.

Who it is for

What each person gets

The same product, a different screen for each job.

Trade officer

Deals and quotes
  • Deals, documents and quotes
  • The deal’s status and what blocks it
  • Statements when the client asks

Finance maker

The first signature
  • Record funds received
  • Prepare payments and refunds
  • Enter the bank’s actual rate and charges

Finance approver

The second signature
  • Check the beneficiary against the snapshot
  • Release or reject, with a reason
  • Never prepare what you approve

Compliance

The hold nobody else lifts
  • KYC and source of funds per party
  • The review with four outcomes
  • Expiring identity documents

Management

Your own earnings
  • Revenue and margin in a reporting currency
  • Kept apart from client money, always
  • Activity log for every action
A day with CocoTrado

From the first message to the end of the day

One ordinary working day, step by step.

09:00
Funds arrive

USD 150,000 from the client, matched to a deal and a bank reference.

10:15
Compliance clears the trade

KYC current, source of funds recorded. The gate opens.

11:00
A payment is prepared

USD 87,552 to the supplier in India. The beneficiary details are snapshotted.

11:40
Released

The approver checks the beneficiary and signs. The ledger posts what left the balance.

16:00
The statement

Three sheets, one balance per currency, archived, sent to the client.

Built the right way

Things you can rely on

Not marketing numbers. How the product is actually made.

Isolation enforced by the databaseRow-level security on every table; a forgotten filter fails closed.
Money is never a floatAmounts to four decimals, rates to eight, rounded only at display.
Every statement is archivedWith a snapshot, so a figure sent last year reproduces exactly.
Clients never log inThey receive the statement. There is no client portal, by design.
Nothing is hardcodedCurrencies, suppliers, fee rules, document types and numbering are yours.
930 automated checksRun against a database built from nothing before every deploy.
Questions

What people ask before they start

Is this accounting software?
No. It is the custody ledger for money you hold for clients. Your own books stay in your accounting tool.
Can my client log in?
No, by design. Clients receive the statement, in Excel and PDF, and never see the application.
We don’t trade coffee. Does it matter?
No. Nothing is hardcoded: currencies, suppliers, fee rules, document types and deal numbering are configured by your Admin.
Can I correct a mistake?
Yes: by reversal, or by an adjustment with a reason that appears on the statement. Nothing is ever deleted.
How do we start?
Run one month alongside your existing spreadsheet and reconcile the closing balance per client per currency. Then switch.
Also from CocoLabs

The other products

Separate products for separate jobs. They share a team, not a login.

CocoRouteEnquiries, quotes and customers in one place, for forwarding teams.Learn more →CocoMioAttendance, leave, learning and career growth, for HR teams and employees.Learn more →

See CocoTrado with your own work in it.

A thirty-minute demo, on your data if you like. No slides.

Book a demoVisit cocotrado.com