How to see every balance in one place: banks, payout partners and wallets
A cross-border payment company sees all its money in one place by pulling balances from three kinds of source into one position: banks (through aggregators and statement files such as BAI2, MT940 and camt.053), payout partners (through their balance reports and APIs) and stablecoin wallets and exchanges (by public address and read-only API keys). Polynopsis does this read-only and adds money in flight and runway per corridor; bank-centred tools such as Trovata and Atlar cover the bank side.
Why a bank-only view is not enough
For a payment company, a large share of cash sits with payout partners as prefunding, in transit between accounts, or in stablecoin wallets used to fund corridors at weekends. A position built only from bank feeds leaves those out, which is how a corridor runs dry while the bank dashboard looks healthy.
The three kinds of source and how each connects
Banks: through bank aggregators and APIs, or through statement files the bank already sends, such as BAI2, MT940 and camt.053.
Payout partners: most send balance reports and statements by email or portal, and some offer balance APIs. Each partner balance is a line in the position.
Stablecoin wallets and exchanges: on-chain wallets can be read from their public addresses, and custody platforms and exchanges through read-only API keys.
Automating the daily cash position
Once every source is connected, the daily cash position becomes a report rather than a morning of spreadsheets: totals by currency, by entity and by corridor, money in flight, and which balances are below target. Polynopsis sends this as a 7am snapshot in Slack and email and answers plain-language questions about balances, citing the source account and sync time.
The options at a glance
| Option | Type | Best for |
|---|---|---|
| Trovata | Cash visibility | API-based multi-bank cash visibility, with an option to hold stablecoin balances next to bank accounts |
| Atlar | Cash visibility and payments | Managed bank and ERP connections with real-time cash visibility, payments and forecasting |
| Range | Stablecoin and fiat ledger | One ledger across banks, custodians, wallets and exchanges, with reconciliation and pre-transaction screening |
| Polynopsis | Liquidity for cross-border payment companies | One read-only position across banks, payout partners, exchanges and wallets, with money in flight and corridor runway |
Vendor descriptions come from each vendor's own pages, as summarised in our fact-checked comparisons. Polynopsis publishes this article.
Frequently asked questions
Can I see Thunes, TerraPay and dLocal balances in one dashboard?
Yes, if the tool reads payout partner balance reports and APIs as well as banks. Polynopsis reads payout partner reports and APIs read-only and shows each partner balance next to bank accounts and wallets.
How do treasury teams automate the daily cash position?
By connecting every bank, payout partner and wallet once, then generating the position automatically each morning instead of collecting balances by hand.
Related
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator