Use Case
Ditch the spreadsheets. Smartstream consolidates data from global correspondent banks into a single real-time view. Eliminate need to login to multiple banking portals. Generate BCBS 248 / SRP50 reports automatically.
Global Systemically Important Bank (G-SIB)
A Global Systemically Important Bank operating across multiple jurisdictions required enhanced control over intraday liquidity and cash visibility. High transaction volumes, numerous clearing systems, and increasing regulatory scrutiny made real-time oversight essential to ensure compliance and optimise funding strategies.
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Canadian Bank with Multi-Currency Funding Needs
A Canadian bank with significant cross-border operations required enhanced control over liquidity management across multiple currencies and correspondent banking relationships.
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Australian Big Four Bank – Nostro Liquidity Management
A leading Australian bank required improved visibility and control over the funding of its nostro accounts to support payment obligations and meet regulatory expectations.
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UK Bank with Offshore Operations – PRA Intraday Liquidity Compliance
A UK-based bank with offshore operations required enhanced liquidity monitoring to meet the Bank of England PRA’s intraday liquidity reporting standards.
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US Systemically Important Bank (SIB) – Cross-Currency Liquidity Visibility
A major US bank operating internationally required improved visibility of cash flows across USD and EUR clearing systems to support global payment operations.
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Customise balance types, workflows, and views to meet your unique needs. Smartstream’s solution adapts to your operations.
Control intraday liquidity usage by holding payments based on real-time positions, reducing intraday liquidity risk and meeting regulatory requirements.
Track every cash flow from initiation to completion from multiple sources whilst avoiding double accounting.
Stay compliant with BCBS 248 / SRP50 and local regulator's implementations. Real-time tracking makes compliance easy and efficient.
Fast and flexible stress tests run in minutes. Model regulatory scenarios to assess liquidity resilience and help reduce buffer requirements.
We support key SWIFT and ISO 20022 messages. For other feeds, we can either work with your existing ETL layer or handle transformation within the solution. Some clients connect just one system, others more than 30.
Yes. We can generate payment instructions in SWIFT or ISO 20022 formats. Alternatively, we can trigger a message to your internal payment system, depending on your setup.
Yes. While most data is loaded via feeds, users can upload manual entries through a form or by dragging in a file. These entries require approval from a second user to maintain operational control.
Yes. Our Payment Flow Control module allows you to pause all payments while assessing a market event. You can then apply rules to release specific messages based on available liquidity.
Yes. Alerts for threshold or limit breaches and activity triggers appear on dashboards and can also be sent via email.
You can view balances up to 365 days in the future, if the data is available in the dshboard, allowing you to track projected balances over time.
Yes. Dual approval is built in for manual cash flows, payment overrides, static data updates, and more, ensuring clear oversight and accountability.