Cash positioning vs Intraday liquidity: what is the difference?
Cash positioning is the daily count of what you hold, where and in which currency. Intraday liquidity is whether you can meet payments as they fall due during the day. One is the morning snapshot; the other is the hour by hour test.
| Cash positioning | Intraday liquidity | |
|---|---|---|
| In one line | Cash positioning is the daily process of gathering balances and transactions across all bank and partner accounts. It shows how much cash is available, where and in which currency. | Intraday liquidity means funds a firm can access during the business day to make payments as they fall due. It matters most where payments settle in real time, one by one. |
| Read more | Cash positioning | Intraday liquidity |
How they work together
Real-time payout rails make the gap between them matter: a good morning position can still run short by afternoon if top-ups are still in flight.
Where Polynopsis fits
Polynopsis does cash positioning for payment companies: one live position across every bank, payout partner, exchange and wallet, also sent as a 7am snapshot in Slack and email.
Polynopsis keeps the position live and shows money in flight, so the team can see during the day whether a corridor can meet its next payout batch.
Frequently asked questions
What is the difference between cash positioning and intraday liquidity?
Cash positioning is the daily count of what you hold, where and in which currency. Intraday liquidity is whether you can meet payments as they fall due during the day. One is the morning snapshot; the other is the hour by hour test.
What is Cash positioning?
Cash positioning is the daily process of gathering balances and transactions across all bank and partner accounts. It shows how much cash is available, where and in which currency.
What is Intraday liquidity?
Intraday liquidity means funds a firm can access during the business day to make payments as they fall due. It matters most where payments settle in real time, one by one.
Sources
- How to create cash flow forecasts and projections · J.P. Morgan
- What is a treasury management system? · Kyriba
- CPMI glossary · Committee on Payments and Market Infrastructures, Bank for International Settlements
- Monitoring tools for intraday liquidity management · Basel Committee on Banking Supervision, Bank for International Settlements
- Steady as we go: results of the 2023 CPMI cross-border payments monitoring survey (CPMI Brief No 5) · Bank for International Settlements
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