Solutions for Every Financial Institution

Whether you're a traditional bank managing SIC IP flows or a fintech platform optimizing blockchain settlements, VILIGENCE eliminates your irreversibility gap.

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For Banks

Swiss & International Banking Institutions

Challenges You Face

  • SIC IP irreversibility forces conservative buffers
  • CHF 20-100M trapped in weekend contingency reserves
  • Intraday overdrafts cost CHF 500K-2M annually
  • BCBS 248 compliance requires intensive monitoring
  • Manual liquidity decisions create 30min+ delays
  • Limited visibility into pre-settlement flows

How VILIGENCE Helps

  • Real-Time SIC IP Control: Sub-millisecond visibility before finality
  • Trapped Capital Release: Reduce buffers by 60-80% safely
  • Zero Overdrafts: Predictive controls eliminate penalties
  • Automated BCBS 248: Native compliance reporting built-in
  • Instant Decisions: <1ms automated liquidity control
  • Pre-Settlement Gates: Approve/hold before irreversibility

🎯 Typical Bank Deployment

Mid-sized Swiss bank releases CHF 35M from weekend buffer, eliminates CHF 1.2M annual overdraft fees, achieves full BCBS 248 automation. ROI achieved in 8 weeks.

📊 Key Metrics*

Capital Release: CHF 10-50M per institution
Overdraft Elimination: Up to 95-100% reduction
Compliance: 100% BCBS 248 coverage
Payback Period: 6-12 weeks

For Fintech & Crypto

Exchanges, DeFi Platforms, Payment Processors

Challenges You Face

  • Blockchain irreversibility creates settlement risk
  • Hot wallets require 3-5x excess reserves for safety
  • Proof-of-reserves reveals sensitive wallet details
  • Limited real-time solvency attestation options
  • Capital trapped during multi-hour settlement windows
  • Customer trust requires transparent reserve proofs

How VILIGENCE Helps

  • Blockchain Solvency Proofs: Real-time cryptographic attestations
  • Hot Wallet Optimization: 60-80% reserve reduction safely
  • Privacy-Preserving: Prove reserves without wallet exposure
  • Multi-Chain Support: Bitcoin, Ethereum, and major chains
  • Pre-Settlement Controls: Gate transactions before finality
  • Instant Verification: Real-time auditable proof generation

🎯 Typical Exchange Deployment

Crypto exchange reduces hot wallet reserves from $50M to $12M while maintaining security. Continuous solvency proofs build customer trust. $38M capital freed for growth.

📊 Key Metrics

Reserve Optimization: 60-80% reduction
Solvency Proofs: Real-time cryptographic attestation
Privacy: Zero wallet detail exposure
Trust Score: 95%+ customer confidence increase

Six Core Capabilities

Integrated technologies that work together to eliminate the irreversibility gap for traditional finance and crypto platforms alike.

1. Real-Time SIC IP Integration

Native connectivity to Swiss Interbank Clearing instant payments with sub-millisecond latency. See every transaction before it becomes irreversible.

  • Direct SIC IP API integration
  • <1ms transaction visibility
  • Pre-settlement status monitoring
  • Full ISO 20022 compliance
  • Real-time balance reconciliation
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2. Pre-Settlement Control Gates

Automated decision system that evaluates every payment before finality. Hold, approve, or defer based on real-time liquidity position and rules.

  • Configurable approval rules engine
  • Risk-based transaction scoring
  • Automated hold/approve decisions
  • Manual override capabilities
  • Audit trail for all decisions
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3. Predictive Liquidity Engine

Machine learning-powered forecasting predicts intraday flows with 95%+ accuracy. Optimize buffer requirements and eliminate unnecessary reserves.

  • ML-based flow prediction
  • Historical pattern analysis
  • 95%+ forecast accuracy
  • Seasonal trend detection
  • Dynamic buffer optimization
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4. Regulatory Compliance

Native BCBS 248 monitoring and automated reporting. Built-in compliance with Swiss FINMA, ECB, and international liquidity regulations.

  • Automated BCBS 248 reporting
  • Real-time compliance monitoring
  • FINMA regulatory alignment
  • ECB standards compliance
  • Audit-ready documentation
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5. Blockchain Solvency Proofs

Real-time cryptographic attestations for DeFi and crypto platforms. Prove reserves without revealing wallet details or compromising security.

  • Zero-knowledge proof generation
  • Multi-chain support (BTC, ETH, etc.)
  • Privacy-preserving verification
  • Continuous attestation
  • Public verifiability
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6. Hot Wallet Optimization

Dynamic reserve sizing for crypto exchanges and payment processors. Reduce operational capital by 60-80% while maintaining security.

  • Real-time reserve calculations
  • Risk-adjusted sizing
  • 60-80% capital reduction
  • Automated cold wallet sweeps
  • Security threshold monitoring

Research-Backed Methodology

Our estimates are based on comprehensive analysis of:

BCBS 248 Analysis

Seven intraday liquidity monitoring tools applied to stress scenarios, measuring daily maximum usage, time-specific obligations, and available liquidity buffers.

Swiss Market Research

SIC Instant Payments adoption patterns, SNB intraday liquidity framework, and weekend prefunding requirements across Swiss banking sector.

Conservative Assumptions

Stress-tested buffer calculations using 40-50% efficiency gains, intraday overdraft reduction based on observed patterns, and ECB Sound Practices alignment.

Personalized Analysis

Contact us for a detailed ROI assessment using your actual payment volumes, current buffers, and liquidity management practices.

Ready to Eliminate Your Irreversibility Gap?

See how much trapped capital you can release with our ROI calculator

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