📊 A. Cost Savings Modeling Framework

1. Direct Cost Reduction Matrix

Category	Current Cost	Projected Cost	Annual Savings
FX Spreads	$X/transaction	$Y/transaction	Calculate ROI
Banking Fees	Fixed + Variable	New Structure	Delta
Operations	FTE Cost	Automated Cost	Savings

2. 📈 Savings Projection Model

graph TD
    A[Total Cost Base] --> B[Direct Savings]
    A --> C[Indirect Savings]
    B --> D[FX Optimization]
    B --> E[Fee Reduction]
    C --> F[Working Capital]
    C --> G[Operational Efficiency]

🎯 B. ROI Calculation Framework

1. Investment Requirements

Technology Integration
├── Core Banking Connection: $X
├── Stablecoin Infrastructure: $Y
├── Security Systems: $Z
└── API Development: $W

2. 📋 Compliance Investment Breakdown

Regulatory Requirements
├── Licensing: $X
├── Audit Framework: $Y
├── Monitoring Systems: $Z
└── Training Programs: $W

3. 📊 Volume Projections

Year 1: Baseline + 20%
├── Q1: +10%
├── Q2: +5%
├── Q3: +5%
└── Q4: +5%

📈 C. Success Metrics & KPIs

1. Financial Metrics

Cost per Transaction
Net Savings Rate
ROI Timeline
Working Capital Efficiency

2. ⚡ Operational Metrics

Efficiency Indicators
├── Settlement Time
├── Processing Volume
├── Error Rates
└── Automation Level