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eMACH.ai
Liquidity Management
Orchestrate Enterprise Liquidity, In Real Time, Globally.
From visibility to foresight, from control to optimization, the gateway to becoming principal banker for your corporate clients
Designed for Always-On Liquidity Management
Trusted by banks to manage intraday and structural liquidity with accuracy, resilience, and speed.
9
PBCs – Packaged Business Capabilities
27
Microservices
29
APIs
97
Events
Trends
What’s Driving Treasury Transformation
Real-Time Treasury Operations
Corporate treasurers are done waiting until end-of-day. 80% say cash visibility is their biggest headache.
AI-Powered Predictive Analytics
Imagine knowing 3 months ahead you’ll have a cash crunch. 78% expect ROI within 1-3 years.
Centralized Cash Structures
67% building in-house banks. They’re done with scattered cash doing nothing.
Real-Time Payment IntegrationReal-Time Payment Integration
Money moves instantly now. FedNow, TIPS, UPI – cover shortfalls at 3 PM, not tomorrow.
Regulatory Compliance
Regulators demand proof you can handle a crisis. Manual tracking is a ticking time bomb.
Liquidity Risk Is Real-Time Risk
Banks operate in an environment where liquidity positions change constantly and delays can be costly. Manual processes and fragmented views limit responsiveness and increase risk. A modern liquidity management platform enables real-time visibility, proactive control, and regulatory confidence—ensuring funds are available where and when they are needed.
Real-Time Liquidity Visibility
Define limits, merchant categories, geographies, and time-based controls at card, user, or department level.
Intraday & Structural Control
Monitor and manage both real-time liquidity needs and long-term funding positions.
Automated Liquidity Actions
Trigger sweeps, funding actions, and limit controls automatically.
Regulatory-Ready Oversight
Support liquidity ratios, stress scenarios, and reporting with confidence.
CHALLENGES
Challenges faced by Corporate Treasurers
Complex operations. Fragmented systems. Regulatory pressure.
1
Fragmented Cash Visibility
Without real-time visibility across accounts, currencies, and geographies, treasury teams struggle to optimize their cash positions.
2
Complex Banking Structures
Managing multiple accounts across regions creates operational complexity and makes it difficult to maintain optimal liquidity levels.
3
Volatile Interest Rates
Changing rate environments require treasury teams to constantly rebalance positions to optimize returns while managing risk.
4
Manual Processes
Manual workflows slow down operations, increase error rates, and make it difficult to scale treasury operations efficiently.
Overview
The Gateway to Principal Banker for your Corporate Clients
Liquidity is no longer about knowing where cash is and moving it. It is about the intelligence of where cash should be—and what to do with it.
In an environment of volatile markets, fragmented banking relationships and rising working capital pressures, corporate treasurers need more than static cash positions. They need continuous visibility, predictive intelligence, and proactive control
eMACH.ai Liquidity Management is a next-generation platform that unifies cash, liquidity and risk across the enterprise—enabling treasurers to move from reactive cash monitoring to intelligent liquidity orchestration
Built on the revolutionary eMACH.ai architecture, the platform connects seamlessly with banks, ERPs, market infrastructures, and internal systems to deliver real-time insights, predictive forecasts, and automated actions—at global scale.
Power. Control. Visibility. Auto-action. Real-time
Utilize the premier liquidity management platform to acquire and retain clients as the principal banker, all while safeguarding the bank’s integrity. Offer clients tailored solutions without constraints, while also protecting the bank from FX arbitrage risks and limit breaches. Enhance user experience, ensure Basel compliance and effectively manage deposits and operational accounts to maintain balance sheet health and mitigate regulatory and risk management issues
Meeting your corporate clients’ cash management needs is vital to creating, building and maintaining strong relationships. Helping your client to manage its money effectively through cash pooling and liquidity management is one half of the cash management coin – payments (moving the money) is the other
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Liquidity Management
Business Impact
$22T
Annual sweeps processed
23%
Of world’s MNC cross-border sweeps
$62.5T
Total cash managed
238
Events tracked real-time
287
APIs for integration
24/7
Global operations
Capabilities
Orchestrate Enterprise Liquidity, In Real Time Globally
An AI-first liquidity management product that gives corporate treasurers real-time visibility and intelligent optimisation of cash across banks, entities, currencies and geographies
1. Cash Concentration & Sweeps
- Multi-Multi Sweep Setups – Multi Country, Multi Bank, Multi-Host, Multi Currency
- Automatically move cash where it needs to be, when it needs to be there
- Supports 9 sweep instruction types from zero-balance, target balance, debit & credit triggers, range balancing and threshold sweeps
- Configure once and let it run automatically, or adjust in real time as your needs change
- Real-time physical sweeps (domestic and cross-border) and multi-currency concentration with built-in compliance
- Move beyond simple EOD batches. Support “Follow-the-Sun” sweeping
Business Impact
Eliminate blind spots in global cash, reduce idle balances and minimise expensive external borrowing by utilising internal surpluses first
2. Notional Pooling & Interest Optimization
- Single and multi-currency notional pooling with a robust, customisable interest rules engine
- Interest calculated on net position across all accounts with optimized interest calculations in real time
- Multi-currency notional pooling with cross-border support
- Reduce transaction costs while maintaining compliance with local regulations
-
Handle withholding tax, capital adequacy, and margin pooling automatically across 57+ countries
Business Impact
Provide corporate clients with the maximised yield on surplus cash and improving group-wide liquidity efficiency
3. ICL – Inter Company Loans
- Transform a group’s internal capital into a self-sustaining ecosystem, reducing the need for expensive external “middlemen”
- Manage intercompany loans with automated interest and repayment tracking
- Built-in transfer pricing compliance with automatic enforcement
- Support for multi-currency loans with integrated FX management
- Framework approved by regulators in 18+ countries
Business Impact
Massive reduction in interest expense, accelerated funding velocity resulting in enhanced balance sheet health
4. Global Deposit Management
- Automatically invest excess liquidity to optimize returns
- Configure risk parameters to match your investment policy
- Integrated support for money market funds, time deposits, and repos
- Balance returns and liquidity needs with automated laddering
- Real-time yield optimisation across your entire portfolio
Business Impact
Generate “passive” income, effectively offsetting its bank service fees and borrowing costs. Insulate corporate’s core liquidity by providing risk diversification
5. Real-Time Liquidity Visibility
- See your complete global cash position in real time
- View every account, every currency, and every geography in one place
- Drill down from global overview to individual transactions instantly.
- Access from any device, anywhere
Business Impact
Improve accuracy of treasury decisions
6. Transaction Limits and Control
- Comprehensive multi-level controls to protect your operations
- Configure limits by user, account, currency, transaction type, and more
- Automated approval workflows route requests to the right person every time
- Complete audit trail for compliance and reporting
- Real-time alerts for policy violations
Business Impact
Strengthen governance and compliance and reduced operational risk
7. Account Management & Analytics
- Understand which accounts drive profitability and which need optimisation
- Get actionable recommendations to reduce costs and improve efficiency
- Clear profitability scoring across your entire portfolio
- Track the metrics that matter: utilisation, efficiency, idle cash, and funding costs
Business Impact
Full, Contextual, Real-Time Control of Cash for your clients
8. AI Powered Cash Flow Forecasting
- Predict cash flows 12-18 months into the future with confidence
- Machine learning models trained on trillions in transaction data
- Built-in confidence intervals for every forecast
- Run scenario planning and get instant answers to what-if questions
- Predictions improve over time as the system learns your patterns
Business Impact
Predictive forecasting identifies exactly how much surplus will be available and for how long
- Multi-Multi Sweep Setups – Multi Country, Multi Bank, Multi-Host, Multi Currency
- Automatically move cash where it needs to be, when it needs to be there
- Supports 9 sweep instruction types from zero-balance, target balance, debit & credit triggers, range balancing and threshold sweeps
- Configure once and let it run automatically, or adjust in real time as your needs change
- Real-time physical sweeps (domestic and cross-border) and multi-currency concentration with built-in compliance
- Move beyond simple EOD batches. Support “Follow-the-Sun” sweeping
Business Impact
Eliminate blind spots in global cash, reduce idle balances and minimise expensive external borrowing by utilising internal surpluses first
- Single and multi-currency notional pooling with a robust, customisable interest rules engine
- Interest calculated on net position across all accounts with optimized interest calculations in real time
- Multi-currency notional pooling with cross-border support
- Reduce transaction costs while maintaining compliance with local regulations
-
Handle withholding tax, capital adequacy, and margin pooling automatically across 57+ countries
Business Impact
Provide corporate clients with the maximised yield on surplus cash and improving group-wide liquidity efficiency
- Transform a group’s internal capital into a self-sustaining ecosystem, reducing the need for expensive external “middlemen”
- Manage intercompany loans with automated interest and repayment tracking
- Built-in transfer pricing compliance with automatic enforcement
- Support for multi-currency loans with integrated FX management
- Framework approved by regulators in 18+ countries
Business Impact
Massive reduction in interest expense, accelerated funding velocity resulting in enhanced balance sheet health
- Automatically invest excess liquidity to optimize returns
- Configure risk parameters to match your investment policy
- Integrated support for money market funds, time deposits, and repos
- Balance returns and liquidity needs with automated laddering
- Real-time yield optimisation across your entire portfolio
Business Impact
Generate “passive” income, effectively offsetting its bank service fees and borrowing costs. Insulate corporate’s core liquidity by providing risk diversification
- See your complete global cash position in real time
- View every account, every currency, and every geography in one place
- Drill down from global overview to individual transactions instantly.
- Access from any device, anywhere
Business Impact
Improve accuracy of treasury decisions
- Comprehensive multi-level controls to protect your operations
- Configure limits by user, account, currency, transaction type, and more
- Automated approval workflows route requests to the right person every time
- Complete audit trail for compliance and reporting
- Real-time alerts for policy violations
Business Impact
Strengthen governance and compliance and reduced operational risk
- Understand which accounts drive profitability and which need optimisation
- Get actionable recommendations to reduce costs and improve efficiency
- Clear profitability scoring across your entire portfolio
- Track the metrics that matter: utilisation, efficiency, idle cash, and funding costs
Business Impact
Full, Contextual, Real-Time Control of Cash for your clients
- Predict cash flows 12-18 months into the future with confidence
- Machine learning models trained on trillions in transaction data
- Built-in confidence intervals for every forecast
- Run scenario planning and get instant answers to what-if questions
- Predictions improve over time as the system learns your patterns
Business Impact
Predictive forecasting identifies exactly how much surplus will be available and for how long
KEY DIFFERENTIATORS
The Unfair Advantage of eMACH.ai Liquidity Management
An enterprise liquidity management platform that gives corporate treasurers real-time visibility and intelligent optimisation of cash across banks, entities, currencies and geographies
eMACH.ai Composability
The Difference: Unlike rigid legacy systems, eMACH.ai Liquidity is built on a Zero-Waste Architecture with n+ microservices and m+ APIs.
The Advantage: You don’t have to “rip and replace.” You can compose your specific liquidity journey with sweeps, pooling, icl and then adding Virtual Accounts today and AI-Forecasting tomorrow—without a system overhaul.
Predictive “Contextual” Intelligence
The Difference: Most platforms are reactive (showing what happened). eMACH.ai Liquidity is Anticipatory.
The Advantage: Embedded AI Digital Experts monitor market volatility and inter-company balances to “nudge” treasurers with the Best Next Action, such as pre-emptively moving funds to avoid a multi-million dollar overdraft in a high-rate currency.
The “Principal Banker” Vision
The Difference: The platform is specifically engineered to help banks win the #1 relationship with their clients.
The Advantage: By offering the “Single Pane of Glass” (viewing balances across all banks), you become the client’s primary operational hub, making your bank’s services “un-sticky” to replace.
Hyper-Local Regulatory Mastery
The Difference: Pre-configured for 57+ countries and fully compliant with local tax/legal nuances.
The Advantage: Support complex, restricted-market structures like China’s Entrust Loans, Nordic specialized pooling, and Islamic Finance liquidity models right out of the box.
Consumerization of Wholesale Banking
The Difference: It brings “Retail-simplicity” to “Wholesale-complexity.”
The Advantage: Persona-based Dashboards. A CFO sees high-level risk metrics, while a Treasurer sees granular sweep status—both via a sleek, intuitive interface that requires zero training.
Battle Tested Scalability
The Difference: It powers $4 trillions of the world’s major currency MNC sweeps and manages $35 trillion in notional pools.
The Advantage: You are partnering with a platform that has already been stress-tested by the world’s largest banks. It offers “Battle-Hardened” security that can handle the highest transaction volumes in the world without latency.
DIGITal Experts
Real Intelligence where it counts
This is AI for impact. Efficient, risk-managed, predictive.
Automated Document Processing
Resolves over 80% of queries autonomously through smart, multilingual conversational assistance.
- 1. Unstructured application sourcing
- 2. Document extraction
- 3. RM and Customer Assistant
Business Impact
-
10X faster onboarding driven by AI
-
60% reduction in manual data entry
-
Higher First-Time-Right submissions
Automated Document Processing
Resolves over 80% of queries autonomously through smart, multilingual conversational assistance.
- 1. Unstructured application sourcing
- 2. Document extraction
- 3. RM and Customer Assistant
Business Impact
-
10X faster onboarding driven by AI
-
60% reduction in manual data entry
-
Higher First-Time-Right submissions
Predictive forecasting
Business Impact
- 12-18 month predictions with confidence intervals
- Learning from trillions in transaction patterns
- Built-in scenario planning
Continuous optimization
Business Impact
- Automated value identification
- Multi-currency sweep optimization
- Yield-liquidity balance automation
Behavioral intelligence
Business Impact
- Predictive client needs analysis
- Churn risk identification
- Pattern-based recommendations
Natural language interface
Business Impact
- Plain language queries
- Instant cross-platform data access
- Conversational analytics
FAQ
Frequently Asked Questions
How does Liquidity Management Product enable “Single Pane of Glass” visibility across multiple non-partner banks ?
Through our API-First eMACH.ai architecture, the platform aggregates real-time data from pre-configured bank interfaces. This allows your corporate clients to view, forecast, and move liquidity held at competing banks directly through your portal, cementing your position as their Principal Banker. All the pre-configured bank interfaces are all designed using Intellect iTurmeric Low Code-No Code Enterprise Composability and Integration Platform.
How does it handle multi-currency and cross-border ?
This is where we shine. Multi-currency isn’t an add-on; it’s architected in from day one. We handle notional pooling across currencies, cross-border sweeps with automated regulatory compliance, FX optimisation, and real-time currency risk management. The platform already knows the regulatory requirements for 18+ countries – what’s allowed, what’s not, what needs documentation. Your treasury team sets the strategy; we handle the complexity.
How does the “Intercompany Lending” ICL feature handle interest calculations ?
The system automates the entire Inter Company Loans lifecycle. It applies market-indexed rates to inter company positions, calculates withholding taxes, and generates automated loan agreements and audit trails, ensuring the corporate remains compliant with global transfer pricing rules.
Can the liquidity product handle complex cross-border regulations like China’s Entrust Loans ?
Yes. Intellect’s eMACH.ai Liquidity Management Product is “Regulatory-Native.” It comes pre-packaged with rule-sets for 70+ jurisdictions, including restricted markets. It automatically manages the tax implications, legal documentation, and “Arm’s Length” interest requirements for cross-border sweeps and intercompany lending.
What is the specific role of AI in “Contextual Banking” ?
Unlike traditional rule-based systems, our Purple Fabric Open Business Impact AI Platform acts as a “Liquidity Management Digital Expert Agents” It analyzes historical cycles and real-time market volatility to provide “Nudges”—predictive alerts that suggest moving idle cash to a high-yield pool or hedging a currency exposure before a forecasted deficit occurs.
Can we deploy this as a SaaS model, or does it require on-premise installation ?
Intellect’s eMACH.ai Liquidity Management Product Architecture is based on the eMACH.ai Design principles that is Microservices Architecture Style and 100% Cloud-Native but offers a “Hybrid-Cloud” flexibility. You can deploy it on-premise or private cloud instance to meet specific sovereign data residency requirements or your virtual private cloud on either AWS or Azure
How does “Composable Banking” reduce our Total Cost of Ownership (TCO)?
Our “Zero-Waste” design means you only pay for and maintain the microservices you need. If you only want Notional Pooling today, you don’t carry the “dead-weight” of a legacy monolith. This reduces infrastructure costs and manual maintenance by an average of 30%.
What makes this different from our current liquidity legacy system ?
Three things. First, it’s actually real-time – not batch processing pretending to be modern. Second, the AI isn’t just reporting what happened; it’s predicting what’s coming and optimizing automatically. Third, it handles cross-border complexity that makes most systems fall apart. Your current system probably does cash concentration. Ours does that plus predictive forecasting, intelligent optimization, behavioral analytics, and compliance automation across 18+ jurisdictions. It’s the difference between a calculator and a CFO.
Through our API-First eMACH.ai architecture, the platform aggregates real-time data from pre-configured bank interfaces. This allows your corporate clients to view, forecast, and move liquidity held at competing banks directly through your portal, cementing your position as their Principal Banker. All the pre-configured bank interfaces are all designed using Intellect iTurmeric Low Code-No Code Enterprise Composability and Integration Platform.
This is where we shine. Multi-currency isn’t an add-on; it’s architected in from day one. We handle notional pooling across currencies, cross-border sweeps with automated regulatory compliance, FX optimisation, and real-time currency risk management. The platform already knows the regulatory requirements for 18+ countries – what’s allowed, what’s not, what needs documentation. Your treasury team sets the strategy; we handle the complexity.
The system automates the entire Inter Company Loans lifecycle. It applies market-indexed rates to inter company positions, calculates withholding taxes, and generates automated loan agreements and audit trails, ensuring the corporate remains compliant with global transfer pricing rules.
Yes. Intellect’s eMACH.ai Liquidity Management Product is “Regulatory-Native.” It comes pre-packaged with rule-sets for 70+ jurisdictions, including restricted markets. It automatically manages the tax implications, legal documentation, and “Arm’s Length” interest requirements for cross-border sweeps and intercompany lending.
Unlike traditional rule-based systems, our Purple Fabric Open Business Impact AI Platform acts as a “Liquidity Management Digital Expert Agents” It analyzes historical cycles and real-time market volatility to provide “Nudges”—predictive alerts that suggest moving idle cash to a high-yield pool or hedging a currency exposure before a forecasted deficit occurs.
Intellect’s eMACH.ai Liquidity Management Product Architecture is based on the eMACH.ai Design principles that is Microservices Architecture Style and 100% Cloud-Native but offers a “Hybrid-Cloud” flexibility. You can deploy it on-premise or private cloud instance to meet specific sovereign data residency requirements or your virtual private cloud on either AWS or Azure
Our “Zero-Waste” design means you only pay for and maintain the microservices you need. If you only want Notional Pooling today, you don’t carry the “dead-weight” of a legacy monolith. This reduces infrastructure costs and manual maintenance by an average of 30%.
Three things. First, it’s actually real-time – not batch processing pretending to be modern. Second, the AI isn’t just reporting what happened; it’s predicting what’s coming and optimizing automatically. Third, it handles cross-border complexity that makes most systems fall apart. Your current system probably does cash concentration. Ours does that plus predictive forecasting, intelligent optimization, behavioral analytics, and compliance automation across 18+ jurisdictions. It’s the difference between a calculator and a CFO.
Customer Success Stories
Delivering Tangible Impact Across Global Banks
European Bank: Freed $4.2B in Trapped Cash
Major European bank with billions idle across subsidiaries. Platform implementation automated cash concentration, unlocking previously inaccessible liquidity for corporate clients.
Asia-Pacific Bank: 3X Revenue in 18 Months
Mid-sized bank competing against larger institutions. Platform deployment enabled differentiated services, driving 120 new client wins and regional market leadership.
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