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The Problem

Current mechanisms don't enable efficient intraday management for banks, creating a drag on profits and elevated risk. Unpredictable transaction timings, increasing real-time payment requirements, rising liquidity buffer costs and the limitations of payment throttling have created a need for better control of a bank's intraday patterns. Managing this is becoming a priority, particularly in a higher rate environment and with increasing regulatory scrutiny.

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The Solution

Finteum's interbank platform enables bank front office and treasury teams to efficiently meet a temporary liquidity need through new intraday FX swaps and intraday repo markets. Lending and borrowing for hours at a time helps banks to optimise intraday liquidity buffers, and access a new revenue stream. Our innovative DLT architecture reduces settlement timeframes and the risk of fails.

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The Landscape

Intraday liquidity risk is a key liquidity risk for banks and is under increasing scrutiny. Managing intraday liquidity effectively can save a banking organisation tens of millions per year from increased efficiency in the deployment of balance sheet and capital, and optimisation of liquidity buffer assets.

At Finteum, we believe that existing mechanisms available to banks don't adequately allow for efficient balance sheet management, such as:

- Agent bank credit lines

- Central bank intraday borrowing

- Withholding outgoing payments (throttling)

At Finteum, we believe that existing mechanisms available to banks don't adequately allow for efficient balance sheet management, such as:

- Agent bank credit lines

- Central bank intraday borrowing

- Withholding outgoing payments (throttling)

We are speaking with banks to explain how Finteum complements these ongoing initiatives.

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Get in Contact

If you work in a bank in FX, Repo, Treasury, ALM, Operations, Risk, Technology or another area and you are interested in Finteum, please get in contact with us.