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.

Project Meridian FX demonstrates how a neutral "synchronization operator" can orchestrate atomic, cross-border payments between diverse ledgers, providing a practical and faster alternative to wholesale CBDCs for wholesale FX settlement.

This article details the strategic shift from traditional, episodic Real-Time Gross Settlement (RTGS) simulations to dynamic, always-on digital twins, which integrate real-time transactional data to continuously guide policy, optimize liquidity, and strengthen the resilience of financial market infrastructures.

As legacy RTGS systems age, integrating Liquidity-Saving Mechanisms directly into core central bank ledgers limits agility and increases complexity. By extracting these mechanisms into an independent "LSM Overlay Service," financial institutions can algorithmically resequence payments to save up to 69% in liquidity while enabling faster, modular infrastructure upgrades.

While "atomic settlement" promises instantaneous and simultaneous asset transfers, it creates unsustainable liquidity costs for financial institutions in a positive interest rate environment. By deploying smart algorithms to group individual trades into efficient "molecules," institutions can achieve near-instant settlement without sacrificing critical liquidity savings.

FNA’s Chief Data Scientist Samantha Cook introduces Payment Threading: a patented solution that uses network community detection to multiply payment system capacity without requiring a total architectural overhaul.

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.

The Bank of England is preparing to replace its 26-year-old core settlement engine, but adapting to this new landscape will require fundamental behavioral shifts from participating banks. In a recent article for The Stack, FNA Founder & CEO Kimmo Soramäki explains why system-wide simulations are essential for coordinating these changes and optimizing liquidity.

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.

UK Finance partnered with FNA to optimize liquidity and reduce operational risks within the £360 billion-per-day CHAPS payment system. By leveraging FNA’s simulation technology and Bipartite Payment Reduction (BPR) algorithm, they successfully modeled a pre-open netting cycle to compress early payment obligations.

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.