Cash and Liquidity Management See, Project, Control and Settle
Aquila brings liquidity monitoring and cash management together on a single platform, giving treasury and payment teams instant visibility of their true position across every account and currency.
The platform automates compliance reporting, sweeps funds in and out as thresholds are crossed, generates outward settlement messages and updates core system ledgers either automatically or on demand, replacing fragmented manual processes with monitoring, stress testing and settlement that run continuously.
A Single Live View of Liquidity and Cash
Aquila sets the day’s opening position from the prior day’s closing statement balance and then tracks every credit and debit in real time using standard Swift messages, flagging payments sent but not yet confirmed and factoring in queued payments, so what treasury sees is the projected position rather than the settled one. Peak intraday usage, available liquidity, remaining cut off windows and pending outward payments all sit in the same view.
Cash positions are projected forward across internal accounts for a chosen number of days, with the option to aggregate accounts into a single currency position, so a shortfall or a surplus becomes visible before it lands rather than afterwards. Where payments run through Aquila, release can be governed by priority or by any detail of the transaction, and held until the correspondent funding being monitored is available.
Automated Sweeping, Settlement and Posting
Once an account crosses a defined threshold, Aquila sweeps funds in or out to bring the position back into line, with support for multiple transfer layers and the option for authorised users to trigger a manual transfer at any time. Four eyes approval is configurable throughout, so the automation adds speed without removing control, and a minimum balance can be held against each account with either the full calculated amount or a rounded figure transferred.
Outward settlement messages, typically pacs.009, or credit and debit advices, are generated automatically as soon as the sweep completes. Every transfer then posts to the back office in real time through core system APIs, with return codes monitored so that any failure surfaces immediately and can be repaired, and with references, transaction codes and ledger narratives fully configurable and cross referenced in the Aquila database alongside the related messages.
Built for Regulated Treasury Operations
Basel Committee rules require a bank to prove its intraday and end of day liquidity position on demand, and PRA expectations through the Internal Liquidity Adequacy Assessment Process go further, calling for regular stress testing behind that position. Aquila applies stress scenarios directly to the positions it already calculates, and produces statutory output, including Bank of England PRA submissions, from the same live data.
Benefits include:
- Full visibility of liquidity in any currency, in real time
- One centralised liquidity balance across the bank
- Automated sweeping with four eyes approval where you want it
- Faster, more defensible ILAAP and supervisory submissions
- Added alongside your existing core banking system, not in place of it
Client Testimonials
We are customer-driven and are proud of the outstanding levels of support that we provide. Our solutions are intuitive and empower people to perform their work more efficiently. Read real client comments below.
“‘The implementation of Aqua Global’s Aquila Reconciliation Solution has provided us with the tools to centralize and automate our reconciliation processes across eight entities, resulting in significant reductions in IT overhead while ensuring compliance with the latest ISO 20022 standards. The streamlined platform has improved efficiency, reduced complexity, and enhanced accuracy through AI-driven automation.”
Bruno Pereira Carneiro
Deputy Head of IT - Europe, Banco do Brasil
“Since integrating Aquila Message Management and Aquila Payments, we have seen remarkable improvements in payment automation, operational efficiency, and risk mitigation. The platform’s seamless multi-channel messaging capabilities have significantly reduced manual intervention, strengthened internal controls, and enhanced real-time transaction processing.”
Inayat Kashif
CEO, iFast Global Bank
“ Having worked with Aqua for more than a decade, we did not need to look any further. Moving from E2Gen to Aquila was the natural choice.”
Sayful Ahmed
Head of IT, UBL UK
“Partnering enables us to provide enhanced digital banking automation to financial institutions. The integration between dotConnect and Aquila provides financial institutions with the ability to automate the accounting and settlement of payments initiated within our application, strengthening the digital banking experience for their customers.”
Mohamed Gamil
CEO & Co-founder, dotConnect
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Frequently Asked Questions related to Aquila Fort
What is Aquila Cash and Liquidity Management?
Aquila Cash and Liquidity Management monitors a bank’s intraday and end of day liquidity positions in real time, projects cash positions forward across accounts and currencies, sweeps funds in or out once defined thresholds are crossed, produces the outward settlement messages and posts the resulting entries back to the core banking system.
How does Aquila calculate an intraday liquidity position?
Aquila sets the opening position from the prior day’s closing statement balance and then tracks every credit and debit in real time using standard Swift messages. It also flags payments sent but not yet confirmed and factors in queued payments, so the figure reflects the projected position rather than the settled one.
How does automated cash sweeping work?
Funds sweep in or out once an account crosses a defined threshold, with support for multiple transfer layers and four eyes approval configurable throughout. The outward settlement message, typically pacs.009, is produced automatically once the sweep completes and the posting flows back to the back office in real time through core system APIs.
Does Aquila support ILAAP and PRA liquidity reporting?
Yes. Statutory output including Bank of England PRA submissions is generated from the live position data and can be automated. Liquidity stress testing applies idiosyncratic, market wide and combined scenarios to those same positions, which supports ILAAP without rebuilding the numbers in a spreadsheet.
Does a bank need to replace its core banking system?
No. Aquila sits between the core banking platform and the payment networks and connects to the core through its own APIs, so real time cash and liquidity control can be added as a layer without a core replacement programme.