Intelligent Liquidity Optimization / ILO Monitor / ILO Simulate / ILO Optimize
Intelligent Liquidity Optimization
Orchestrating Systemic Resilience and Settlement Efficiency
FNA Advantage
Accelerate transaction throughput and drastically reduce participant liquidity burdens
Move beyond basic FIFO settlement by deploying patented algorithms that intelligently orchestrate payments and match participant inflows with outflows, freeing up trapped capital and eliminating network gridlock.
Expose hidden concentration risks and eliminate systemic blind spots
Uncover the invisible links connecting all network participants through real-time systemic visibility that reveals behavioral anomalies, liquidity drainers, and structural vulnerabilities across the entire payment infrastructure.
Deliver Day-1 systemic visibility without core RTGS replacement
Bypass multi-year modernization projects using an agile "overlay" architecture that seamlessly ingests fragmented participant data as-is, providing immediate value without requiring complex integration or disrupting existing settlement systems.
Avert systemic crises by pre-emptively detecting participant distress
Instantly flag behavioral deviation, such as a major clearing bank unexpectedly delaying morning payments or suffering a technical outage, through real-time alerts that empower operators to intervene before localized disruptions cascade into systemic gridlock.
For Financial Market Infrastructures (FMIs) and national payment systems, inefficient payment queuing and a lack of predictive network visibility create the constant threat of systemic gridlock. Relying on reactive, participant-level monitoring limits an operator's ability to intervene when liquidity shortfalls occur
FNA provides an enterprise-grade orchestration engine that monitors real-time network flows and applies advanced algorithmic Liquidity Saving Mechanisms (LSMs).
By moving away from reactive monitoring, our ILO platform allows Payment System operators to orchestrate settlements intelligently, maximizing the reuse of funds within the system and drastically reducing the liquidity requirements for participants, while ensuring the continuous, smooth operation of the national economy.
The ILO Platform acts as the critical efficiency layer for the world's most systemic financial networks.
For Financial Market Infrastructures (FMIs): Provide network orchestration and liquidity overlays to ensure frictionless payment flows and prevent systemic gridlocks between member institutions.
For Multi-Bank Utilities: Serve as the core optimization and monitoring engine for shared infrastructure, driving market-wide settlement efficiency across connected banking groups
Product Modules
ILO Monitor
Provides intraday visibility to track liquidity positions in real time across all accounts, currencies, and rails, moving from end-of-day guessing to second-by-second precision.
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ILO Simulate
Deploys advanced LSMs to orchestrate payment flows across the network, resolving gridlocks and maximizing overall settlement efficiency.
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ILO Optimize
Uses a Digital Twin to simulate forward-looking systemic scenarios to predict network risks, safely test new settlement algorithms, and ensure absolute resilience
“CLS partnered with FNA, a global leader in network analytics and simulation of financial market infrastructures, to study the liquidity implications and potential benefits of introducing additional settlement cycles per day in CLSSettlement.”
“CLS partnered with FNA, a global leader in network analytics and simulation of financial market infrastructures, to study the liquidity implications and potential benefits of introducing additional settlement cycles per day in CLSSettlement.”
Reimagining same-day FX: Exploring the case for additional settlement cycles | CLS
Reimagining same-day FX: Exploring the case for additional settlement cycles | CLS
Why FNA
FNA sets the industry standard for Intraday Liquidity Management by delivering mathematical optimization, not just data visualization.
Proven ROI at Systemic Scale: Our algorithms do not just monitor flows; they actively optimize them. We have processed and optimized over €358 Trillion in global payments, delivering proven savings of up to 30% in liquidity buffers and $100m+ in funding costs for Tier-1 institutions.
Agile Overlay Architecture: Unlike legacy treasury transformations, ILO acts as an intelligence layer. It sits seamlessly on top of your existing TMS and payment gateways (including ISO 20022 formats) to deliver Day-1 value without the risk of multi-year core system migrations.
Pioneers of the Digital Twin: We are the original architects of payment network simulation. FNA allows your treasury and risk teams to mathematically stress-test liquidity strategies and severe shock scenarios before deploying them in live markets.
Ready to release trapped capital in inefficient liquidity buffers?
Get in touch with the team to learn more about how FNA can help your organization safely optimize and modernize payments systems.
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By intelligently identifying offsetting obligations between multiple participants, the optimization engine sequences payments in a way that maximizes the reuse of existing systemic liquidity. This significantly reduces the peak liquidity buffer required by your member banks to settle their daily obligations.
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No. FNA ILO operates as an agile "Intelligence Layer". It integrates directly with your existing infrastructure and natively supports ISO 20022, adding advanced LSM capabilities without requiring a risky core replacement
