Liquidity Management Agent — Working Capital Optimization
Treasury operations: float management → corridor pre-positioning → cash forecasting → partner settlements → yield optimization · $10B+ annual volume
1 Real-time position monitoring
Account positions
Nostro accounts (12)
Partner prefund (8)
USDC wallets (5 chains)
Bank accounts (15)
Total: $45M float
Updated: real-time
Currency breakdown
USD: $28M (62%)
NGN: ₦5.2B (12%)
GBP: £4.2M (11%)
EUR: €3.1M (8%)
Other: $3.2M (7%)
Partner balances
Thunes: $2.1M
Flutterwave: $1.8M
Cellulant: $1.2M
Wise: $0.9M
Circle: $3.5M USDC
Alert thresholds
Green: >80% target
Yellow: 50-80% target
Red: <50% target
Auto-top-up trigger
Escalation rules
Reconciliation
Ledger vs bank
Partner statements
On-chain verification
Discrepancy flags
Auto-match rate: 99.2%
2 AI cash flow forecasting
Inflow prediction
User deposits (ACH/card)
Recurring transfers
Paycheck timing
Seasonal patterns
Marketing campaigns
Outflow prediction
Remittance volume
Card spend
Partner settlements
Operating expenses
Payroll
Corridor demand
US→Nigeria: $2.1M/day
US→UK: $0.8M/day
US→Ghana: $0.6M/day
US→Kenya: $0.4M/day
Holiday spikes
Forecast accuracy: 92%
Time horizons
Intraday (hourly)
Daily (T+1, T+2)
Weekly rollup
Monthly planning
Quarterly budget
Scenario modeling
Base case
High volume (+30%)
Low volume (-30%)
Partner outage
FX shock
3 Corridor pre-positioning
Target calculation
Predicted demand (24h)
Safety buffer (20%)
Partner min balance
Settlement timing
Target position
Funding actions
Wire transfer
USDC on-chain
ACH (non-urgent)
Partner prefund
Cross-currency swap
Auto-top-up rules
Trigger: <60% target
Top-up to: 100%
Source priority
Cost optimization
Approval workflow
Rebalancing
Excess detection
Sweep to yield
Cross-corridor move
FX conversion
Cost/benefit analysis
Idle cash: <2%
4 Partner settlements
Settlement cycles
Real-time (USDC)
Daily (most partners)
Weekly (low volume)
Monthly (enterprise)
On-demand
Netting
Bilateral netting
Multilateral netting
Cross-currency net
Net position calc
Settlement instruction
Netting saves: 40%
Payment execution
Bank wire
SWIFT MT103
USDC transfer
ACH batch
Confirmation tracking
Reconciliation
Statement matching
Fee verification
FX rate check
Discrepancy flag
Dispute workflow
Reporting
Daily settlement log
Partner activity
Failed settlements
Audit trail
Regulatory reports
5 Yield optimization
Idle cash deployment
Money market funds
Treasury bills
USDC yield (DeFi)
Overnight repo
Term deposits
Yield: 4.8% APY
Constraint optimization
Liquidity requirements
Regulatory limits
Counterparty limits
Duration limits
Optimal allocation
Cost reduction
Wire fee optimization
FX cost reduction
Netting efficiency
Partner negotiations
Volume discounts
Analytics
Cost of capital
Yield earned
Working capital ratio
Days cash on hand
CFO dashboard
Annual savings: $1.2M