We're building the infrastructure layer that eliminates the irreversibility gap in modern financial systems—from traditional banking to blockchain settlements.
The irreversibility gap is the window between transaction initiation and finality where capital is trapped, risk accumulates, and institutions lose control. This gap costs the financial industry billions in trapped liquidity and operational inefficiency.
Financial institutions hold excessive reserves due to payment irreversibility. Banks maintain CHF 20-100M in weekend buffers. Crypto exchanges keep 3-5x necessary reserves in hot wallets. This capital cannot be deployed for growth, lending, or investment.
Once payments enter settlement systems, they become irreversible. This creates execution risk—institutions cannot recall transactions if liquidity positions deteriorate. The result: costly overdrafts, failed settlements, and emergency funding.
Basel Committee (BCBS 248), ECB guidelines, and FINMA requirements demand real-time intraday liquidity monitoring. Manual compliance is resource-intensive, error-prone, and increasingly insufficient as regulators tighten standards.
VILIGENCE addresses the irreversibility gap at its source: the moment before transactions become final. Our platform provides real-time visibility and automated controls that let institutions make intelligent decisions before irreversibility occurs.
We integrate directly with payment rails (SIC IP, blockchain networks) to provide sub-millisecond visibility into transactions before they become irreversible. This creates a decision window that didn't exist before.
Our control system evaluates every payment against real-time liquidity positions, risk parameters, and regulatory thresholds. Approve, hold, or defer decisions happen in <1ms, eliminating human delay.
Machine learning models analyze historical flows to predict intraday liquidity requirements with 95%+ accuracy. This enables dynamic buffer sizing and proactive capital deployment.
Regulatory reporting (BCBS 248, ECB, FINMA) is built into the platform. Every decision, every flow, every exception is automatically documented and audit-ready.
For blockchain and crypto platforms, we provide zero-knowledge solvency proofs. Prove reserves in real-time without exposing wallet details or compromising security.
By controlling the irreversibility gap, institutions can reduce buffers by 60-80% while maintaining safety. Released capital becomes available for productive use, improving ROE and competitive positioning.
VILIGENCE's value propositions are grounded in rigorous analysis of regulatory frameworks, market data, and banking industry practices:
Our ROI estimates (CHF 10-50M capital release, 60-80% overdraft reduction) represent illustrative ranges based on Tier 2 Swiss bank profiles. Actual results depend on institution-specific factors including payment volumes, current buffer strategies, and liquidity management practices.
We offer personalized ROI analysis using your actual data during the design partner pilot phase.
VILIGENCE is built to meet and exceed the requirements of Swiss, European, and international financial regulators. Our platform provides native compliance for the most demanding liquidity monitoring standards.
BCBS 248 Compliance
Full implementation of Basel Committee principles for sound management of intraday liquidity risk in payment systems.
ECB Guidelines
Aligned with European Central Bank expectations for liquidity risk management and TARGET2 participation.
Swiss Regulatory Standards
Built for Swiss financial institutions with native SIC IP integration and FINMA compliance requirements.
Our team combines deep expertise in financial infrastructure, distributed systems, and regulatory technology. We're building VILIGENCE to solve problems we've experienced firsthand in banking, fintech, and crypto.
Founders & Executives
Experienced team with backgrounds in financial infrastructure, payment systems, and regulatory technology.
Technical Leadership
Specialists in distributed systems, real-time processing, and financial protocol integration.
Domain Knowledge
Former bankers, traders, and risk managers who understand liquidity management challenges.
Regulatory Specialists
Deep knowledge of BCBS 248, ECB guidelines, FINMA requirements, and international standards.
SIC IP, SEPA Instant, FedNow, and other real-time payment systems are becoming the norm. The irreversibility gap is expanding as payment finality accelerates, making control more critical than ever.
With interest rates elevated and capital expensive, every CHF of trapped liquidity has opportunity cost. Banks and fintechs must optimize reserves to remain competitive.
Basel Committee, ECB, and national regulators are tightening intraday liquidity requirements. Manual monitoring is no longer sufficient—automated, real-time compliance is becoming mandatory.
Crypto and DeFi are moving toward institutional adoption. Proving solvency and optimizing reserves are critical for exchanges and platforms seeking regulatory approval and customer trust.
Machine learning models and sub-millisecond processing make predictive liquidity control feasible. Technology has reached the point where the irreversibility gap can finally be eliminated.
Cross-border payment systems are interconnecting (SWIFT gpi, instant corridors). Managing liquidity across multiple rails requires unified, real-time control that legacy systems cannot provide.
Learn how VILIGENCE can transform your liquidity management