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

To manage intraday liquidity effectively, firms need a consolidated view of balances, exposures, and payment obligations, as well as the ability to manage outflows intelligently. Without these tools, treasury teams operate reactively and often 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

Download the blueprint for activating intraday liquidity control

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 accounts, currencies, 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:

Reduce peak intraday liquidity usage and reliance on credit lines

Lower liquidity buffers held to manage uncertainty

Redeploy surplus liquidity into revenue-generating activities

Improve predictability of funding requirements across the trading day

Key Capabilities: Baton’s Intraday Liquidity Management Solution

Track Global Liquidity in Real-time

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.

Explore how institutions can implement intraday liquidity control through modular deployments and reduced time-to-value

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.