Real-time Intraday Liquidity Management and Control
Enterprise-wide visibility and governed settlement control to improve liquidity utilisation and reduce funding drag
Stop Leaving Liquidity on the Table
Many institutions generate real-time liquidity data, but it remains fragmented. Without a consolidated view of balances, exposures and payment obligations, treasury teams operate reactively and hold larger liquidity buffers than necessary.
Baton unifies liquidity data and applies governed settlement controls, enabling treasury teams to anticipate funding pressures, control payment outflows and use liquidity more efficiently.
With these capabilities institutions can:
- Reduce daily funding requirements
- Minimise peak net outflows and liquidity buffers
- Redeploy capital into higher-yielding opportunities
- Improve settlement predictability and resiliency
How Baton Enables Active Intraday Liquidity Management
Baton integrates liquidity monitoring, forecasting and programmable settlement controls into a single intraday liquidity management platform. Together these capabilities allow treasury teams to anticipate funding pressures and actively manage settlement flows.
Capabilities can be deployed individually to address control gaps or together as a unified intraday liquidity control layer.
By linking live settlement data, forecasting and programmable payment controls, Baton creates a continuous liquidity control cycle. Each settlement event updates projections and automatically adjusts payment sequencing and prioritisation, so liquidity usage remains consistently controlled across currencies, accounts and time zones as conditions evolve.
Balance Sheet Impact
Active intraday liquidity control enables institutions to use liquidity more efficiently and reduce peak intraday funding needs. With improved visibility, forecasting and settlement control, treasury teams can:
Key Capabilities: Baton’s Intraday Liquidity Management Solution
Real-time Intraday Liquidity Monitoring
Establish a trusted enterprise view of balances, exposures, credit facilities and payment obligations.
Capabilities Include
- Real-time monitoring of balances, payments and collateral positions
- Continuous throughput tracking with forward projections of liquidity usage
- Early warning alerts for limit breaches or abnormal counterparty behaviour
- Time-stamped historic transaction traceability for investigation and audit
Benefit: Enables data-driven liquidity decisions and reduces systemic overfunding.
Precision Liquidity
Forecasting
Anticipate liquidity requirements using continuously updated projections derived from live settlement activity and historical payment behaviour.
Capabilities include:
- Predictive modelling of inbound and outbound payment timings
- Behavioural analytics identifying settlement timing patterns
- Continuous recalibration of intraday, end-of-day and next-day liquidity positions
Benefit: Reduces volatility in net outflows, lowers LCR buffers and improves capital deployment.
Actively Manage Payment
Outflows & Settlements
Actively manage payment outflows using programmable controls aligned with liquidity conditions and operational priorities.
Capabilities include:
- Governed payment release to prioritise time-sensitive obligations (TSOs)
- Dynamic payment prioritisation, sequencing and throttling based on liquidity conditions and pre-configured rules
- Automated netting and intelligent payment splitting across asset classes
Benefit: Stabilised payment flows, reduced peak usage and lower intraday funding costs.
Liquidity Analytics
& Traceability
Understand how liquidity is consumed across counterparties, business lines and market events.
Capabilities include:
- Full transaction lineage with time-stamped audit trails
- Drill down analysis of liquidity drivers across counterparties and business lines
- Behavioural insights into settlement patterns and liquidity consumption
- Access data-driven insights to predict cash ladders
Benefit: Strengthens forecasting accuracy, liquidity oversight and governance.
Counterparty & Business-Line Liquidity Analysis
Understand how liquidity is generated and consumed across your organisation.
Capabilities include:
- Analyse time-stamped liquidity profiles by customer, entity or business line
- Assess how individual counterparties affect available liquidity
- Identify cross-entity inefficiencies and dependencies
Benefit: Deeper insight enables more accurate liquidity allocations, better pricing, and stronger internal decision-making.
Stress Testing &
Scenario Modelling
Model potential liquidity disruptions using scenario simulations.
Capabilities include:
- Simulate market-wide, operational, and counterparty-specific stress scenarios
- Assess liquidity throughput and buffer adequacy across currencies and entities
- Model new payment strategies using historical settlement data
Benefit: Strengthen liquidity resilience and support supervisory expectations for intraday liquidity risk management.
Modular Architecture. Phased Implementation.
Intraday liquidity transformation does not need to be a multi-year programme.
Baton’s intraday liquidity management software operates as a modular overlay platform that integrates with existing systems. Deployed as a managed SaaS solution with cloud-native architecture, institutions can deploy targeted capabilities quickly, to strengthen intraday liquidity control in defined areas and extend coverage over time.
No core system replacement.
No operating model redesign.
No large-scale transformation required.
Institutions can begin with specific capabilities such as liquidity visibility, exposure monitoring or precision forecasting then extend into active payment control and beyond specific business lines to enterprise-wide liquidity optimisation as requirements evolve.
Implementations can begin with a defined scope, such as selected currencies, entities or payment flows.
This targeted approach enables measurable control improvements within months, helping clients secure early ROI without the latency of a multi-year build. Coverage can then expand incrementally across additional currencies, entities and infrastructures.
Baton integrates directly with existing treasury, payment and risk platforms using standard APIs and industry messaging formats including SWIFT MT/MX, ISO 20022 and FIX.
This overlay architecture enhances intraday liquidity control without disrupting established processes.
Baton’s platform is designed to support the next generation of treasury automation and intelligent decision-making.
Through support for the Model Context Protocol (MCP), Baton’s architecture enables authorised AI agents to securely query information.
The result is an architecture that not only strengthens intraday liquidity control today, but also provides a foundation for more advanced automation and AI-enabled treasury operations in the future.
Regulatory Alignment for Intraday Liquidity Risk Management
Baton supports evolving supervisory expectations for intraday liquidity oversight and control, this includes alignment with key liquidity guidance including:
- BCBS 248 Monitoring Tools for Intraday Liquidity Management
- ECB 2024 Sound Practices for Managing Intraday Liquidity Risk
Baton’s intraday liquidity management software enables institutions to operationalise these expectations, along with those emerging in other jurisdictions, through real-time liquidity oversight, forward-looking projections and governed settlement controls.
Explore the regulatory drivers shaping intraday liquidity management:
Discover How to Optimise Liquidity and Drive Growth
See how Baton’s modular real-time intraday liquidity management software could help your institution reduce funding costs and future-proof liquidity operations.
Contact our Experts
To learn more about our post-trade solutions, please provide your details and one of our experts will contact you shortly
