ILO
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Algorithmic Payment Resequencing for Maximum Capital Efficiency

Operations teams traditionally manage payment queues without true network context, making sequencing decisions blindly without visibility of counterparty behavior or circular flows

This reliance on blunt payment throttling traps massive amounts of capital and increases reliance on expensive secured funding.

ILO Optimize is an active intelligence layer executing optimized liquidity decisions in real-time, strictly within institutional risk appetites and SLAs.

Utilizing patented algorithms running in continuous cycles—adjustable from 5-minute intervals to daily batches—it perfectly matches internal flows to maximize capital efficiency.

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Intelligent Resequencing Algorithms: Automatically evaluates pending payment queues across all rails, delaying non-critical payments by fractions of a second to achieve a 10-25% peak reduction in intraday requirements.

Constraint-Based Routing: Adheres strictly to specific institutional risk mandates. Priority codes, such as those for VIP clients or margin calls, ensure critical obligations bypass optimization cycles and execute instantly.

Dynamic Internal Matching: Analyzes group-wide flows to automatically identify and net offsetting internal obligations, delivering up to a ~50% reduction in required credit lines.

Continuous Machine Learning: The AI agent layer continuously learns from historical counterparty behaviors to self-calibrate alert thresholds and inform closed-loop optimization.

ILO Optimize Use Cases

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Minimize peak overdrafts without delaying critical payments

By automatically sequencing your outgoing payments to execute immediately after large expected inflows, ILO Optimize drastically reduces required peak intraday overdrafts. This intelligent matching frees up to 30% of your liquidity buffer, allowing you to deploy that capital elsewhere.

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Protect liquidity positions during unexpected counterparty delays

If a major counterparty delays an expected inflow, the module instantly recalculates your outgoing queue. It automatically throttles non-essential flows to protect your liquidity position and prevent a negative balance, adapting in milliseconds without requiring manual intervention.

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Optimize liquidity across multiple global clearing networks

For institutions operating across borders, the algorithm simultaneously analyzes and optimizes payment distribution across multiple settlement rails. It continuously finds the most capital-efficient routing paths, ensuring you aren't overfunded in one network while drawing expensive credit in another.

Unlock Trapped Liquidity

Stop letting inefficient payment queues drive up your funding costs. See how patented algorithms can perfectly match your inflows with outflows without ever missing a time-critical obligation. Get in touch with the FNA team to learn more:

Request a Demo

ILO Optimize uses strict constraint-based routing. During setup, your institution defines exact risk mandates and time-critical cut-offs. The algorithm operates entirely within these boundaries, ensuring high-priority payments execute instantly while only resequencing flexible, non-critical flows by fractions of a second.
No. A core advantage of FNA's technology is that it acts as an agile intelligence layer. It sits seamlessly over your existing Treasury Management Systems (TMS) and natively understands standard messaging formats like ISO 20022, completely bypassing the need for multi-year core system migrations.
We never recommend testing new liquidity strategies in a live environment. ILO Optimize works hand-in-hand with our ILO Simulate module. This allows your Risk and Treasury teams to build a Digital Twin of your payment flows, safely back-testing the algorithms against your historical data to mathematically prove capital savings before the engine is activated in production.