eMACH.ai
Unified Treasury Platform for a Connected Ecosystem
Islamic Treasury
A unified, real-time, contextual and most advanced cross asset platform that
streamlines shariah operations and maximises profitability
12
PBCs – Packaged Business Capabilities
38
Microservices
303
APIs
48
Events
A Unified Platform for End-to-End Treasury
eMACH.ai Islamic Treasury is a single platform, real-time, contextual, cross-asset solution designed for the next generation of treasury transformation. It provides a comprehensive, integrated suite of capabilities that cuts across the Front Office, Mid Office, and Back Office, empowering banks to optimize liquidity, maximize profitability and streamline operations.
In an era of extreme macroeconomic volatility, eMACH.ai Islamic Treasury provides more than just a platform, it delivers a durable operating model for the modern bank. By unbundling the treasury value chain into a single, real-time, contextual ecosystem, we allow you to move from reactive trading to proactive, data-driven decision-making. Built on a cloud-neutral, API-first architecture, it ensures a 360-degree view of risk and liquidity, empowering you to maximize returns within defined risk parameters while achieving unprecedented levels of Straight-Through Processing (STP)
By integrating seamlessly with core banking, payments, liquidity management, cash flow forecasting, and capital markets systems, the solution enables straight-through processing and informed decision-making.
Configurable workflows, real-time analytics, and embedded controls empower treasury teams to manage complexity, optimize balance sheets and respond quickly to market and regulatory demands.
Central Intelligence Hub
- 3x faster time-to-market with composable Platforms
- 95%+ STP reduces cost-per-trade by 60%
- 89% of limit breaches prevented
- 73% reduction in manual review
Liquidity & Cash Position Management
Monitor intraday and end-of-day liquidity across accounts, entities, and currencies.
Funding & Interbank Operations
Manage FX Exchange (TOD, TOM & SPOT/ Promissory Wa’aad contracts), Money markets (Placements: Commodity Murabaha, Wakala investments/ Borrowings: Reverse Commodity Murabaha, Wakala, Deposits, Wadiah), borrowings, lendings, placements, and interbank transactions efficiently.
Investment & Portfolio Management
Track treasury investments, securities, and yields with real-time valuation.
Risk, Limits & Controls
Enforce exposure limits, counterparty controls, and risk policies automatically.
Accounting & Treasury Reporting
Automate postings, valuations, and treasury- related financial reporting.
Dashboards & Analytics
Access real-time dashboards for positions, exposures, and performance metrics.
End-to-End Treasury Management Across the Deal Lifecycle
From front-office trading to back-office settlements, everything you need in one integrated platform
Front Office: Trader-Centric Decision Support
Empower dealers with real-time intelligence for faster, more profitable decisions
1. Trader-Centric UI with Decision Support Blotters
Real-time blotters for position, cash, and P& L management, make informed decisions in the moment with comprehensive visibility
Business impact: Fast, Informed Decisions, Immediate visibility into the impact of trades on risk exposure and profitability
2. Pre-Deal Analytics & Scenario Simulators
Evaluate market conditions and potential risks before trade execution with powerful pre- deal limit checks and simulations executing trades
Business impact: Proactive Risk Mitigation, Evaluates scenarios and optimizes profitability while mitigating losses before they occur.
3. Merchant FX & Branch Position Integration
Automate customer and branch position reporting with real-time trader updates across your network
Business impact: Seamless Internal Liquidity, Eliminates manual reporting lag for complex deals across the entire branch network.
4. Cash Flow Management
Enterprise-wide liquidity and funding management in a unified view with real-time forecasting
Business impact: Strategic Balance Sheet Optimization, Turns cash surpluses into drivers of profitability.
5. Real-Time Market Data Integration
Seamless connectivity to Reuters, Bloomberg and other market data providers for live pricing
Business impact: Timely Risk Mitigation, Decision Making based on real time market data.
Mid Office: Real-Time Risk & Automated Compliance
Proactive risk management with AI-powered compliance monitoring
1. Comprehensive Limits & Control Framework
85 pre-defined limits with drill-down to transaction-level utilization and real-time breach detection
Business impact: 85 pre-defined limits with drill-down to transaction-level utilization and real-time breach detection
2. Automated Compliance Engine
Rule-driven, multi-dimensional monitoring across Product, Currency, Dealer, and Portfolio dimensions
Business impact: Prevention Over Review, Shifts from reactive post-transaction reviews to a proactive, preventative compliance posture.
3. Stress Testing Scenarios
Set capital requirements and limit potential losses with comprehensive what-if analysis and scenario modeling
Business impact: Resilient Capital Management, Safeguards the bank against extreme market volatility by identifying vulnerabilities and ensuring adequate capital buffers are maintained before Committing capital.
4. Comprehensive Risk Metrics & Yield Curves
Deep risk analytics including VaR, Duration, Yield Curve Management, and portfolio optimization
Business impact: Precision Risk Visibility, Provides the data-driven foundation required for strategic decision-making, allowing the bank to optimize its balance sheet based on sophisticated yield and duration metrics.
5.Country & Reserve Risk Management
Enhanced limits covering country ratings, reserve requirements, and cross-border exposure
Business impact: Strategic Global Exposure Control, Protects the bank’s international liquidity and investment book by automating controls over jurisdictional risks and ensuring compliant reserve allocations.
6.Portfolio Risk Analytics
Real-time P&L attribution, sensitivity analysis, and performance measurement across portfolios
Business impact: Real-time visibility of the performance across the breadth
Back Office: High STP Operational Excellence
Automated workflows for 95%+ straight-through processing
1. Configurable Business Process Management
Workflows that adapt to your unique processes—not the other way around. Drag-and- drop configuration
2. Seamless Confirmation Management
Progressive match generation and automated confirmations reduce settlement risk and manual effort
3. Flexible Settlement Instructions
Support for multiple settlement types, payment instructions, and nostro account management
Business impact: Operational Excellence, Achieves a 98% STP index, dramatically reducing the cost per trade and eliminating operational errors
4. Built-In Dual Accounting
IFRS-compliant accounting embedded in the platform—no separate systems, real-time GL postings
Business impact: Audit Readiness,,Eliminates the manual challenge of adhering to complex regulatory accounting standards
5.Smart Reconciliation Engine
Rule-based dynamic reconciliation with Case Manager for exceptions and automated matching
Business impact: Reduced Settlement Risk, Minimizes failures and frees up skilled personnel for high-value strategic activities
6.User-Defined Reporting
DIY report builder with drag-and-drop fields plus 100+ pre-configured regulatory and management reports
Business impact: Operational Efficiency, due to configurable and flexible MIS reports giving control to business users
Advanced Analytics: Strategic Intelligence & Value-Adds
Transform treasury from cost center to profit driver
1.Portfolio Risk Analytics
VaR calculations, Duration Metrics, performance analysis, and portfolio optimization with scenario testing
Business impact: Quantifiable Deal Impact & Optimization
2. Contextual ALM
Integrated Asset Liability Management for liquidity risk, rate risk optimization, and funding strategy
Business impact: Resilient Capital Management. Safeguards the bank against market volatility through continuous stress-testing
3. CBX-FX Self-Service Platform
E-banking and FX trading platform for branches and corporate customers with real-time pricing
Business impact: New Revenue Streams, Unlocks growth by exposing treasury services to a wider ecosystem of internal and external partners
4.Resource Mobilization
End-to-end management of borrowings and deposits with full STP and regulatory reporting
Business impact: Efficient funds management resulting in less borrowings
5.CSGL (Customer Securities)
Revenue generation from Fixed Income Securities trades for customers with automated settlement
Business impact: Stronger balance sheet through automation
6.Advanced Analytics Engine
Machine learning-powered insights, predictive analytics, and intelligent recommendations
Business impact: Quantifiable Deal Impact & Optimization
Why Islamic Banks choose eMACH.ai Islamic Treasury
Shariah design principles that deliver fundamental advantages over legacy, monolithic systems
Composable "Zero-Waste" Architecture
The difference: Unlike closed “black box” systems, eMACH.ai Treasury is built on a cloud-native, microservices architecture with loosely coupled business components.
The advantage: Provides unparalleled flexibility to integrate with existing ecosystems and adapt to changing business needs without vendor lock-in.
Business Process Excellence
The difference: Design your own treasury workflows that match your unique business processes. by utilising a powerful rule engine to automate complex operational flows seamlessly
through configurations.
The advantage: Reduces manual intervention, enables greater control and allows for faster adaptation to new products or evolving regulatory procedures.
Federated Framework for Operational Autonomy
The difference: A federated architecture designed for the demands of a growing global bank, that provides operational autonomy to different business units without losing centralized control.
The advantage: Ensures consistent performance and stability regardless of user numbers or market activity, ideal for growing global banks.
The "Trade Nervous System" (AI Compliance)
The difference: Features a future-ready, AI-powered compliance engine that actively oversees transactions at the product, currency, dealer, and portfolio levels.
The advantage: Enables a shift from reactive, post-transaction reviews to a proactive, preventative risk management posture, ensuring operations are always secure.
Trader-Centric Contextual UX
The difference: Features role-intuitive navigation and a contextualized UI/UX tailored specifically to the user’s function (Front, Mid, or Back Office).
The advantage: Enhances individual productivity and significantly reduces the learning curve for high-stakes trading and settlement tasks.
Comprehensive Limits & Control Framework
The difference: A robust framework featuring 85 pre-defined limits with drill-down capability to the individual transaction level.
The advantage: Empowers the risk function to become a strategic partner by monitoring utilization and risk exposure in real-time.
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