Intelligent Liquidity Optimization / ILO Monitor / ILO Simulate / ILO Optimize
Intelligent Liquidity Optimization
Equip Treasury, Risk, and Operations to unlock capital, cut intraday buffers, and ensure 24/7 compliance across all rails.
$1.7B
25%
payments optimized globally
less manual ALCO prep
reduction in funding costs
Capital Released (Year 1)
$358 tr
70%
FNA Advantage
Avert Liquidity Crisis
Pre-emptively detect behavioral anomalies and structural drainers across all traditional and digital rails through real-time flow monitoring.
Unlock Trapped Capital
Unlock up to $1.7B in trapped capital by dynamically resequencing payments to match inflows with outflows, safely reducing peak intraday buffers by 25%+.
Validate Funding strategies
Validate funding strategies and algorithm safety by simulating severe 24/7 market shocks in a Digital Twin before they impact live operations.
Eliminate Manual Compliance Prep
Achieve simultaneous, data-driven regulatory reporting instantly aligned with BCBS 248, PRA, and ECB standards.
Increase Productivity with the
ILO AI CO-Pilot
Shift valuable resources from static reporting to strategic, real-time liquidity management using a conversational AI Co-Pilot.
Ensure Continuous Economic Resilience
Manage cash, securities, CCP margin calls, and digital assets seamlessly within a single, unified intelligence layer.
This persistent fragmentation across traditional and emerging 24/7 payment rails traps billions in idle capital. It obscures real-time network visibility, drives up intraday funding costs, and complicates stringent regulatory compliance across disconnected Treasury, Risk, and Operations teams.
Siloed, end-of-day batch reporting forces global banks to hold massive precautionary liquidity buffers.
Acting as the unified intelligence agent, FNA ILO connects existing payment gateways directly to Treasury, Risk, and Operations.
The workflow is seamless: ILO ingests fragmented flow data, applies patented algorithms to dynamically orchestrate inflows and outflows, and translates complex flow data into auditable regulatory narratives.
By providing a unified view of intraday dynamics, ILO safely reduces liquidity requirements and ensures all critical obligations are met—without multi-year IT overhauls.
Product Modules
ILO Monitor
See every position, flow, risk and exposure across cash, securities and digital assets in real time, with behavioural anomaly detection and automated regulatory reporting built in, delivering millions of dollars in efficiency gains
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ILO Simulate
Stress-test funding strategies against live data for any window from intraday to 30 days. Generate version-controlled ALCO reporting in hours, accelerating capital deployment and regulatory response times.
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ILO Optimize
Recommends the optimal payment sequence to release trapped capital and reduce buffers by >25% within your risk appetite and SLA, executing automatically within pre-approved parameters, or with human approval at every step
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“It would have taken us years trying to replicate FNA’s optimization capability, and we likely still couldn’t achieve similar results… FNA’s credibility & experience with our regulators also drove our decision to partner with them.”
“It would have taken us years trying to replicate FNA’s optimization capability, and we likely still couldn’t achieve similar results… FNA’s credibility & experience with our regulators also drove our decision to partner with them.”
Global Head, Intraday Liquidity | Deutsche Bank
Global Head, Intraday Liquidity | Deutsche Bank
Why FNA
FNA provides the battle-tested intelligence engine running critical national infrastructures. By leveraging our sovereign overlay architecture, banks achieve systemic resilience, seamlessly integrating advanced network simulation to unlock millions in capital without disruptive core system replacements.
Proven Systemic Resilience: Trusted by central banks and Tier 1 GSIBs, our battle-tested algorithms have optimized over $353 trillion, empowering commercial banks to drastically reduce funding costs.
Agile Overlay Architecture: Functioning as a sovereign intelligence layer natively handling ISO 20022, ILO sits seamlessly over existing gateways to deliver Day-1 results without core system replacement risks.
Pioneers of the Digital Twin: As the original architects of network simulation, FNA enables teams to mathematically prove capital savings and safely stress-test shock scenarios before they impact live operations.
Full Regulatory Partnership: Built alongside central banks, ILO maps to BCBS 248, PRA, and ECB from a single data model, shipping compliance updates within days of new mandates.
Ready to release trapped capital from your inefficient intraday liquidity buffers?
Get in touch with our team to request a demo and learn how FNA ILO can optimize your payment network and ensure continuous economic resilience.
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ILO Monitor maps your gross payment flows to identify structural funding loops. ILO Optimize then dynamically resequences outgoing payments within your risk appetite to maximize reuse of incoming funds, reducing peak NDC usage by 25%+ without impacting throughput or SLA commitments.
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No. FNA ILO sits as an agile overlay layer. It reads from your existing payment gateway, Treasury Management System, or queue management system via API or data feed to return optimized sequencing instructions. There is no core replacement, and your first currency can be live in 2–3 weeks.
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Only three inputs are needed: a payment flow feed (extractable directly from SWIFT messages), account structures with bilateral limits, and opening balances. Deep core banking integration is not required, and most clients reach 85%+ data completeness within 6-8 weeks.
