Abstract
In a modern highly competitive environment, sustainable development of the financial sector can be reached through the introduction of the innovation processes that are characteristic features of the modern development of socio-economic systems. The purpose of the study is determined by the increasing importance of the innovation process, thus resulting in the need for a more in-depth study of its essence, content and forms of interaction between all actors involved in the process, and the search for ways to improve the efficiency of the financial sector of the economy. The scientific novelty and practical significance of the research is to create a cash pooling smart contract on the Stellar blockchain and implement an application to demonstrate the capabilities of smart contracts in Stellar. The results obtained will serve as a basis for the implementation of applied solutions in the field of cash pooling.
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