On the back of a Point Zero roundtable discussion, Kimmo Soramäki explains why the first users of agentic payments will be simulated agents—and how AI-driven digital twins are transforming intraday liquidity management in RTGS systems.

AI assistants in commercial bank treasury functions often provide inaccurate insights because they rely on fragmented, outdated end-of-day reports rather than real-time data. FNA’s Intelligent Liquidity Optimization (ILO) Model Context Protocol securely connects AI models directly to live, intraday liquidity data without requiring massive core system overhauls.

This report from Toronto details the transition of Intraday Liquidity Optimization (ILO) from concept to live infrastructure, providing Canadian banks with real-time visibility and control as they expand across North American payment rails.

FNA examines how the regulatory validation of the GENIUS Act has shifted stablecoins into the mainstream, creating a "liquidity puzzle" for banks where atomic settlement and 24/7 payment flows necessitate advanced liquidity intelligence to manage fragmented cash pools and rising operational costs.

Jeremie advocates for a paradigm shift in treasury management, utilizing network analytics to visualize and manage liquidity not as isolated, static balances, but as a dynamic, interconnected system of flows and structural dependencies.

This article explores the shift from static to dynamic liquidity oversight following 2025 ECB guidance, highlighting how FNA’s ILO platform replaces outdated "throttling" with intelligent, real-time payment resequencing.

FNA’s Phillip Straley explores the shift from manual payment throttling to automated liquidity optimization and real-time risk control in an evolving regulatory landscape.

FNA explores how its Intelligent Liquidity Optimization (ILO) solution acts as the ‘Lean Six Sigma of payments,’ applying principles of waste reduction and data-driven efficiency to revolutionize intraday liquidity management.

The Bank of Papua New Guinea partners with FNA to deploy advanced network analytics and stress-testing simulations for real-time intraday liquidity monitoring and systemic risk oversight.

In the wake of recent banking sector volatility, FNA demonstrates how Intelligent Liquidity Optimization (ILO) allows banks to safely reduce intraday buffers and unlock billions in unrealized revenue through real-time stress testing and network science.

FNA’s Jeremie Feuillette breaks down the limitations of mechanical payment throttling and demonstrates how Intelligent Liquidity Optimization (ILO) achieves 50% liquidity savings without the risk of system gridlock.

To ensure a smooth transition to its new RTGS system, Lynx, Payments Canada partnered with FNA to build a comprehensive Digital Twin. By simulating various system configurations and participant behaviors, the project successfully optimized liquidity savings and fully prepared the market for launch.

Fnality partnered with FNA to develop and simulate a cutting-edge, peer-to-peer payment system underpinned by Distributed Ledger Technology (DLT). By modelling complex real-time gross settlement (RTGS) scenarios, the simulations proved to regulators that the system mitigates systemic risk without elevating liquidity constraints.