The world’s best real time balance netting system for payments funds control
Feature rich risk management solution that handles complex corporate cash management and liquidity structures
Netting Balances
Minimize payments in referral due to fund-check reasons by netting balances across 1000’s of accounts in a client limit structure
Limit Sharing
Increase client satisfaction and STP and reduce risk by sharing limits across subsidiaries of the same legal entity
Auto Retry
Timely release of payments through automated algorithmic retry via robotic process automation (RPA), improves referral / exception processing, reduces operation cost and ensures that a cut off is not missed
Balance Builder
Lower bank risk and better client limit utilization with real time limits exposure control, using the balance builder to handle net and gross limits, daylight exposure limits and overdraft limits
Customer Delight
Enhance client satisfaction, reduce operations cost and risk by sophisticated payments limits check that take into account client liquidity and cash management structures and even intercompany loans
Fund Check Models
Superior control by applying multiple fund check models such as limit-based, balance based and many others to meet client needs
What’s in it for the banks?
Banks benefit from payments with less risk and less cost using real time automated risk computation formulas.
Banks can use a transaction limits management system to check balances and limits in real time and give a pay/no pay/refer decision saving the bank in operational cost and Base III risk provisioning.
Business Value
Fewer transactions in referral leading to higher client satisfaction
Offer complex structures to a client leveraging LMS structures as well
Capital and Risk Management Value
Lesser overdraft means lesser Basel III risk provisioning
Lesser risk of breaching a monitored limit
Operational Value
Reduced operational cost by reduction of payments in referral to under 0.1 %
Easy enquiry for rapid remediation / addressing client queries / cut off referral etc.
What’s in it for the clients?
Clients benefit from payments that execute immediately using real time balances and limits to the fullest.
Corporate treasures have always wished for real time pooling of funds across an account hierarchy and allowing a subsidiary to utilize funds in a parent account or from another subsidiary which may have surplus funds.
Enhanced Limit Utilization
Leverage group limits by pooling balances and pooling limits across subsidiaries
Use sanctioned limits at the bank level to the fullest
Faster Payments
Same-day payments and certainty of payments especially for critical payments like salary, tax and vendor payments
Clients can benefit from real-time funding solutions even in situations where their cash flow forecasting may not go as planned
Maximize Working Capital
Allows companies to maximize their working capital and eliminates the need for manual funding and forecasting, thereby saving hours of work and reducing the administrative costs associated with external and subsidiary borrowing
Cloud Native Microservices Architecture
For high resilience and processing large volumes in partnership with Microsoft Azure and AWS
Microservices Architecture
Loosely coupled, self contained services
API First
Build internal ecosystems with open APIs
100 % Cloud Native
Flexibility to deploy on any public cloud platforms
Pluggable Backends
Integrate any backend or application gracefully with pluggable integrations
Security
With layers of security, ready for public or private cloud deployment
No Vendor Lock In
Usage of open source components based on CNCF
Proven in live use at multiple banks for nearly a decade
15 countries across Americas & Europe
Breaches. Eliminated.
Perspective
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