EOD liquidity · settlement ops · FCA wind-down evidence

Settlement liquidity you can attest — not spreadsheet guesswork

Guardexia Liquidity gives payment and e-money firms a daily end-of-day view of scheme inflows, payouts, clearing vs bank reconciliation, fee leakage, and funding gaps — with exceptions, SLA tracking, and maker–checker attestation packs your auditors can rely on.

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What you get

EOD snapshot — opening cash, scheme inflow, payout outflow, projected closing, required funding
Three-way settlement recon — scheme vs clearing vs bank with tolerance-based breaks
Fee variance — expected vs actual interchange, scheme fees, and MSC
Exception workflow — assign, resolve with notes, SLA breach alerts
Maker / checker attestation — dual control before EOD pack is signed off
Transaction ingest + scheme rules — roll card transactions into EOD feeds with UK business-day T+N
Wind-down integration — funding gaps and settlement breaks feed automated wind-down triggers
API + scheduled ingest — push feeds via API or daily R2 CSV

Built for UK payment firms

Liquidity sits alongside Guardexia Safeguarding — same tenancy, MFA, roles, and audit culture. Use it for treasury ops today and wind-down liquidity evidence tomorrow. Pair with CASS 15 safeguarding for a combined compliance stack.