Automating Client Payment Transactions & Treasury in a BaaS

Client: Intergiro

Automating Client Transactions & Treasury Operations in Banking-as-a-Service at Intergiro

Develop an automated system for managing client transactions and treasury operations within Intergiro’s banking-as-a-service platform. This initiative aimed to improve financial controls, optimize liquidity management, and expand global payment capabilities for enhanced client services.

Intergiro’s transaction and treasury management systems required improvements to handle large-scale client operations, ensure regulatory compliance, and enhance efficiency. Clients needed greater flexibility in fund transfers, structured transaction limits, and seamless global payment capabilities. The existing framework lacked automation for key processes, leading to inefficiencies and operational risks.

To address these challenges, we implemented a robust client transaction and treasury management system focused on:

Automating outgoing transactions on behalf of clients to streamline fund transfers.

Establishing a structured transaction limit framework to enhance security and compliance.

Implementing fixed treasury cycles for improved liquidity management and fund allocation.

Expanding global payment capabilities to enable seamless cross-border transactions.

Integrating SEPA direct debit (SEPA DD) processing for enhanced payment efficiency.

Enhancing FX conversions from EUR to SEPA accounts to optimize transaction routing.

Managing real-time settlements through the RIX financial network.

Seamlessly integrating these functionalities into the Intergiro.2d Business Banking API, providing clients with programmatic control over their financial transactions.

1. Outgoing Transactions & Compensation Management

Enabled clients to initiate outgoing transactions, supporting both e-money and real fund transfers.

Developed a compensating transactions mechanism to handle client fund adjustments.

2. Structured Treasury & Liquidity Controls

Implemented a structured transaction limit framework to improve compliance and fraud prevention.

Introduced fixed treasury cycles to standardize fund allocation and enhance liquidity management.

Integrated real-time transaction monitoring to support proactive financial decision-making.

3. Global Payment Expansion & Routing Optimization

Managed transactions through the RIX settlement system to streamline real-time banking operations.

Enhanced SEPA direct debit (SEPA DD) processing to facilitate seamless client payments.

Enabled FX conversion automation, allowing smooth EUR to SEPA transaction routing.

Expanded cross-border payment capabilities, ensuring faster and more efficient global transactions.

Intergiro.2d Business Banking API Banking & Treasury Automation API Documentation Payment processing

Improved financial controls by automating transaction limits and treasury cycles.

Enhanced liquidity management through structured treasury operations.

Increased client satisfaction by enabling seamless fund transfers and global payments.

Strengthened regulatory compliance with enhanced transaction monitoring and risk controls.

Optimized foreign exchange handling, reducing costs and improving payment efficiency.

Provided businesses with direct API access to automate financial operations via the Intergiro.2d Business Banking API.

Technologies: Python, SQL, AWS, SEPA, SWIFT, RIX/Swedish Clearing House, Intergiro.2d Business Banking API.

Methodologies: Agile development, risk-based transaction management, liquidity optimization.

Automation: AI-driven transaction approvals, automated FX conversions, SEPA DD processing.

Security Measures: AML compliance, GDPR-compliant data handling, secure API integrations.

This project highlights expertise in automating client transactions, optimizing treasury operations, and expanding global payment capabilities within Intergiro’s banking-as-a-service platform, seamlessly integrating with the Intergiro.2d Business Banking API to empower businesses with automated financial management.