Real Time Balance Control

Visibility, control and decision-making in real time

RTBC (Real-Time Balance Control) enables financial institutions to gain continuous visibility, actionable insights, and control over liquidity and payment flows, improving decision-making in complex cross-border environments.
RTBC combines SWIFT data with RTGS systems, Nostro accounts, and internal systems to deliver a real-time, consolidated view of liquidity, positions, and payment activity across multiple rails and geographies.

6 Key Challenges in Liquidity and Payment Control

Financial institutions operating across cross-border and multi-rail payment ecosystems face increasing operational complexity, fragmented visibility, and regulatory pressure.

Real-time visibility across fragmented systems

Lack of a unified view across SWIFT, RTGS, Nostro and internal systems limits the ability to understand liquidity positions and payment status in real time.

Intraday liquidity optimisation under uncertainty

Managing buffers efficiently is complex in cross-border environments where timing, FX and settlement conditions vary continuously.

Limited control over
payment flows

Without full traceability, identifying delays, bottlenecks or failures across correspondent banking chains becomes reactive instead of proactive.

Fragmentation across multi-rail ecosystems

The coexistence of RTGS, instant payments and cross-border networks increases operational complexity and reduces control.

Regulatory pressure and data reliability

Ensuring accurate, traceable and auditable data for liquidity metrics and reporting remains a key challenge.

Continuous operations require continuous control

24/7 payment environments demand real-time monitoring and decision capabilities, not just reporting.

How RTBC creates value

Turning fragmented liquidity data into operational intelligence

RTBC transforms fragmented payment and liquidity data into a real-time control and decision layer.

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Unified visibility

Consolidates data from SWIFT, RTGS, instant payments and internal systems.

End-to-end traceability

With end-to-end traceability.

Real-time monitoring

Provides real-time alerts and anomaly detection.

Operational control

Enables proactive liquidity management and operational control.

Business impact

  • Faster identification and resolution of issues
  • Improved control over cross-border payment flows
  • Greater operational resilience in complex environments
  • Reduced funding costs through optimised buffers
  • Better liquidity decisions in real time

REGULATORY & SWIFT READINESS

Built for complex financial ecosystems

RTBC is designed for real-time, high-complexity financial environments and supports operational control across fragmented infrastructures.

Expertise in SWIFT and cross-border payment ecosystems
Strong focus on liquidity control and decision intelligence
Designed for real-time, high-complexity financial environments
Proven capability to operate across fragmented infrastructures

Gain real-time visibility across liquidity and payment flows

Discover how RTBC helps financial institutions improve liquidity control, operational resilience and decision-making across SWIFT and multi-rail payment ecosystems.

FOCUSED ON FINANCIAL TECHNOLOGY 100%

Let’s discuss how to gain operational control across complex payment ecosystems.