Cash Pool Engine

Montran’s multi-currency Cash Pool Engine provides banks with a liquidity management platform offering cash concentration and notional pooling capabilities to its various client segments. The Cash Pool Engine is considered the cornerstone solution to achieve client liquidity objectives, maintaining complete control over liquidity holdings held at accounts within the bank, or third-party bank accounts, providing multi-bank support.

At A Glance

Montran’s Cash Pool Engine provides multi-currency cash concentration and notional pooling. The Cash Pool Engine generates End-of-Day, or Real-Time sweeps from accounts held within the bank, its branches, or third-party banks for multi-currency cash concentration, allowing for ZBA, Target, Threshold, and Collar Balancing.

It also provides the ability to set up single and multi-currency Notional Pooling Structures with full interest compensation or interest enhancement.

The technology enables the bank to offer corporate clients the ability to centralize liquidity and additionally offer:

Cash flow forecasting
Insights in liquidity history and statistics
Full intercompany lending

The solution addresses bank client segments that are moving towards centralized treasury management and centralized In-House Bank activities.

Montran’s Cash Pool Engine assists banks in achieving their own liability objectives, as well as incentivizing clients to use the bank’s platform to achieve their own cash and liquidity management objectives.

Solution Highlights

Cash Concentration

The default functionality of the cash pool engine provides an End-of-Day up to real-time cash concentration mechanism. Shadow administration is performed to keep track and manage intercompany loans created on a daily basis. Montran’s cash pool engine supports seamless sweeping rules that involve the physical movement of cash between local accounts held within the bank, its branches, or third-party bank accounts, providing multi-bank support in either direction.

Notional Pooling

Montran’s Cash Pool Engine enables single and/or multi-entity notional pools, which can be incorporated in different jurisdictions (resident and non-resident account holders), using single and/or multi-currency capability.