Teminat360
Manage electronic bank guarantees from a single platform with KKB ETMP integration, multi-bank visibility and an end-to-end digital lifecycle — with an architecture ready for e-check processes.
Letter of guarantee portfolio
3 letters mature within 30 days — the recommendation list for return/renewal decisions is ready.
The letter is electronic, the process is still paper-based.
With the KKB ETMP infrastructure, banks now issue guarantee letters digitally. In most organizations, however, tracking still lives in spreadsheets, maturity reminders depend on individuals, and reconciliation happens over email.
The result: when an audit starts, answering "which letter is where" takes days.
One platform, six clear capabilities.
One central view
All guarantee letters issued and received across banks come together in a single panel — filter, search and report.
End-to-end lifecycle
Request → approval → active → return / call / release, managed with worklists and approval steps.
Native KKB ETMP integration
When the service version changes, the update happens on the platform, not in your system. No bank-specific development required.
Automated reconciliation
Bank records and system records are compared automatically; discrepancies are flagged and routed into a resolution workflow.
Maturity Tracking & Automated Reminders
Monitor guarantee maturity dates automatically and receive advance notifications for upcoming expirations. Manage return, extension and renewal actions on time.
Audit-ready at all times
Every action, approval and document version is captured with a complete audit history.
Lightweight in SAP. Powerful on the platform.
A lightweight connector on the SAP side handles accounting entries and document references, while the guarantee lifecycle, ETMP integration and workflows run on the Teminat360 platform.
For organizations that have to manage high guarantee volumes.
Frequently asked questions.
During the transition, paper letters are managed as inventory in the same panel, so everything stays visible in one place until it moves to electronic form.
It works with all banks connected to KKB ETMP. No bank-specific development is required; the integration is handled in the platform layer.
No. Teminat360 works alongside your TRM records and complements the operational layer: the guarantee lifecycle, workflows and bank reconciliation run in Teminat360.
See Teminat360 in action.
We walk through a scenario similar to your own processes, using real screens.