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.

FNA and CLS leverage Digital Twin technology to quantify the critical trade-off between increasing FX settlement frequency and maintaining the multilateral netting efficiency that saves the industry trillions in daily liquidity.

FNA explains why every financial system needs a Digital Twin, offering a hyper-realistic virtual environment to de-risk modernization, optimize liquidity, and stress-test without real-world disruption.

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.