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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 Principal Banking.
Case study
Designed for Always-On Liquidity Management
Trusted by banks to manage intraday and structural liquidity with accuracy, resilience, and speed.
$ 22 Tn
Annual Sweeps Processed
$ 62.5 Tn
Annual Cash Managed
23 %
of world’s MNC Cross-border Sweeps
$ 35 Trillion
Annual Notional Pools
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
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 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.
“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.
Intellect’s 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.
A Complete Liquidity Management Platform
Integrated Corporate Treasury infrastructure. Scalable automation. Enterprise-grade performance.
Liquidity Management
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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.
The Unfair Advantage of eMACH.ai Liquidity Management
An AI-first liquidity management product 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.
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
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 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.
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.
Recognized Excellence
Stay Informed with the Latest Insights
Insights contextual to only this solution/product from the Insights repository
Following its eMACH.ai Core Banking selection, the bank selects Intellect to power real-time payments, collections, and remittances across its Corporate & Investment Banking operations
Chennai (India), July 24, 2025: Intellect Design Arena Ltd, an enterprise-grade global financial technology leader, announced today that a Tier 1 Canadian multinational bank has extended its partnership by selecting Intellect’s eMACH.ai Payments and Cash Management for real-time, intelligent platform modernisation across its Corporate & Investment Banking operations in the United States.
Built on a composable 9-layer architecture, eMACH.ai Payments and Cash Management is designed to empower banks to process high volumes at speed, simplify bulk transactions, reduce operational costs, and ensure fail-safe, real-time payments.
This follows the bank’s recent adoption of eMACH.ai Core Banking, and marks a strategic next step in building a scalable, digital-first enterprise architecture. The selection also underlines Intellect’s growing role as a strategic platform partner and accelerates its entry into high-value payments modernisation programs in North America.
eMACH.ai Payments is engineered to:
- Ensure fail-safe payments at scale with real-time monitoring
- Roll out payment products including ACH and FedWire
- Simplify bulk file processing for high-volume transactions
- Speed up client onboarding across client segments
- Lower operational costs in payment processing
“Payments transformation is no longer a back-office initiative; it’s central to how banks deliver client value at scale,” said Manish Maakan, CEO of Intellect Wholesale Banking. He added, “With this expanded partnership, we are enabling the bank to reimagine real-time cash management and remittances across markets, while enabling sophisticated cash management offerings to US clients, and significant operational efficiency. Our eMACH.ai Payments and Cash Management solutions provide monitoring, fail-safe automation, faster onboarding, and the ability to roll out products globally with unprecedented speed. This expansion signals a deepening of Intellect’s strategic footprint in the North American banking landscape and solidifies its credentials in powering large-scale digital payment infrastructures.”
About Intellect Design Arena Limited
Intellect Design Arena Ltd is a global leader in enterprise-grade financial technology, delivering composable and intelligent solutions to forward-looking financial institutions across 61 countries. With three decades of domain expertise, our product suite spans Wholesale Banking, Consumer Banking, Central Banking, Wealth, Capital Markets, Treasury, Insurance and Digital Technology for Commerce. Applying First Principles Thinking and Design Thinking, we have elementalised the financial services landscape into a finite set of Events, Microservices, and APIs, enabling faster, modular transformation with measurable outcomes.
At the heart of this are eMACH.ai, the world’s most comprehensive, composable and intelligent open finance platform; Purple Fabric, the world’s first Open Business Impact AI platform; and iTurmeric, our composable platform for seamless integration and configuration. We are a pioneer in applying Design Thinking and our 8012 FinTech Design Center, the world’s first Design Center dedicated to Design Thinking Principles, underscores our commitment to continuous and impactful innovation, addressing the ever-growing need for digital transformation. We proudly serve over 500+ customers worldwide, supported by a diverse workforce of solution architects and domain and technology experts in major global financial hubs. For more information, visit www.intellectdesign.com
For Media related info, please contact: Nachu Nagappan | For Investor related info, please contact: Praveen Malik |
