- Intellect
- Solutions
- Treasury & Capital Markets
- Bank Treasury
eMACH.ai
Bank Treasury
AI First, Unified Treasury Platform for a Connected Ecosystem
A unified, real-time, contextual and most advanced cross asset platform that streamlines operations and maximises profitability
Case study
Built for Enterprise-Grade Treasury Operations
Trusted by banks to run mission-critical treasury functions with accuracy, resilience, and full control across markets and balance sheets.
12
PBCs – Packaged Business Capabilities
38
Microservices
303
APIs
48
Events
Treasury Decisions Demand Speed, Accuracy, and Control
Bank treasury teams operate in a volatile environment shaped by intraday liquidity pressures, market movements, and regulatory scrutiny. Fragmented systems and manual processes limit visibility and slow decision-making.
Real-Time Balance Sheet Visibility
Gain instant insight into cash, liquidity, and exposures across entities and currencies.
Optimized Funding & Liquidity
Improve funding decisions with integrated liquidity and cash flow intelligence.
Reduced Market & Operational Risk
Automate controls, limits, and workflows to minimize errors and exposure.
Regulatory & Reporting Confidence
Support treasury reporting and compliance with accuracy and auditability.
A Unified Platform for End-to-End Bank Treasury
A modern treasury platform unifies positions, cash flows, and risk—enabling proactive decisions, stronger governance, and resilient balance sheet management.
eMACH.ai Bank Treasury is a single platform, real-time, contextual, cross-asset solution designed for the next generation of treasury transformation. It provides a comprehensive, integrated suite of capabilities that cuts across the Front Office, Mid Office, and Back Office, empowering banks to optimize liquidity, maximize profitability and streamline operations.
In an era of extreme macroeconomic volatility, eMACH.ai Bank Treasury provides more than just a platform, it delivers a durable operating model for the modern bank. By unbundling the treasury value chain into a single, real-time, contextual ecosystem, we allow you to move from reactive trading to proactive, data-driven decision-making. Built on a cloud-neutral, API-first architecture, it ensures a 360-degree view of risk and liquidity, empowering you to maximize returns within defined risk parameters while achieving unprecedented levels of Straight-Through Processing (STP)
By integrating seamlessly with core banking, payments, liquidity management, cash flow forecasting, and capital markets systems, the solution enables straight-through processing and informed decision-making.
Configurable workflows, real-time analytics, and embedded controls empower treasury teams to manage complexity, optimize balance sheets and respond quickly to market and regulatory demands.
ISO 27001 Certified | SOC 2 Type II Compliant | PCI DSS Compliant | SWIFT Partner
Enterprise-grade security and compliance standards
Bank Treasury
Liquidity & Cash Position Management
Monitor intraday and end-of-day liquidity across accounts, entities, and currencies.
Funding & Interbank Operations
Manage borrowings, lendings, placements, and interbank transactions efficiently.
Investment & Portfolio Management
Track treasury investments, securities, and yields with real-time valuation.
Risk, Limits & Controls
Enforce exposure limits, counterparty controls, and risk policies automatically.
Accounting & Treasury Reporting
Automate postings, valuations, and treasury-related financial reporting.
Dashboards & Analytics
Access real-time dashboards for positions, exposures, and performance metrics.
End-to-End Treasury Management Across the Deal Lifecycle
From front-office trading to back-office settlements, everything you need in one integrated platform
Front Office: Trader-Centric Decision Support
Empower dealers with real-time intelligence for faster, more profitable decisions
1. Trader-Centric UI with Decision Support Blotters
Real-time blotters for position, cash, and P&L management, make informed decisions in the moment with comprehensive visibility
Business Impact – Fast, Informed Decisions, Immediate visibility into the impact of trades on risk exposure and profitability
2. Pre-Deal Analytics & Scenario Simulators
Evaluate market conditions and potential risks before trade execution with powerful pre-deal limit checks and simulations executing trades
Business Impact – Proactive Risk Mitigation, Evaluates scenarios and optimizes profitability while mitigating losses before they occur.
3. Merchant FX & Branch Position Integration
Automate customer and branch position reporting with real-time trader updates across your network
Business Impact – Seamless Internal Liquidity, Eliminates manual reporting lag for complex deals across the entire branch network.
4. Cash Flow Management
Enterprise-wide liquidity and funding management in a unified view with real-time forecasting
Business Impact – Strategic Balance Sheet Optimization, Turns cash surpluses into drivers of profitability.
5. Collateral Management
Full support for Repos, IRFs (Interest Rate Futures), CCS (Cross Currency Swaps) with real-time impact on on positions to monitor risk exposure
Business Impact – Proactive Risk Mitigation, Optimized Collateral Utilization. Minimizes funding costs, reduces over-collateralization losses, ensures efficient asset use
6. Real-Time Market Data Integration
Seamless connectivity to Reuters, Bloomberg and other market data providers for live pricing
Business Impact – Timely Risk Mitigation, Decisiong Making based on realtime market data
Mid Office: Real-Time Risk & Automated Compliance
Proactive risk management with AI-powered compliance monitoring
1. Comprehensive Limits & Control Framework
85 pre-defined limits with drill-down to transaction-level utilization and real-time breach detection
Business Impact – Safe Growth, Empowers dealers to maximize returns within clearly defined risk parameters.
2. Automated Compliance Engine
Rule-driven, multi-dimensional monitoring across Product, Currency, Dealer, and Portfolio dimensions
Business Impact – Prevention Over Review, Shifts from reactive post-transaction reviews to a proactive, preventative compliance posture.
3. Stress Testing Scenarios
Set capital requirements and limit potential losses with comprehensive what-if analysis and scenario modeling
Business Impact – Resilient Capital Management, Safeguards the bank against extreme market volatility by identifying vulnerabilities and ensuring adequate capital buffers are maintained before Committing capital.
4. Comprehensive Risk Metrics & Yield Curves
Deep risk analytics including VaR, Duration, Yield Curve Management, and portfolio optimization
Business Impact – Precision Risk Visibility, Provides the data-driven foundation required for strategic decision-making, allowing the bank to optimize its balance sheet based on sophisticated yield and duration metrics.
5. Country & Reserve Risk Management
Enhanced limits covering country ratings, reserve requirements, and cross-border exposure
Business Impact – Strategic Global Exposure Control, Protects the bank’s international liquidity and investment book by automating controls over jurisdictional risks and ensuring compliant reserve allocations.
6. Portfolio Risk Analytics
Real-time P&L attribution, sensitivity analysis, and performance measurement across portfolios
Business Impact – Real-time visibility of the performance across the breadth
Back Office: High STP & Operational Excellence
Automated workflows for 95%+ straight-through processing
1. Configurable Business Process Management
Workflows that adapt to your unique processes—not the other way around. Drag-and-drop configuration
2. Seamless Confirmation Management
Progressive match generation and automated confirmations reduce settlement risk and manual effort
3. Flexible Settlement Instructions
Support for multiple settlement types, payment instructions, and nostro account management
Business Impact – Operational Excellence, Achieves a 98% STP index, dramatically reducing the cost per trade and eliminating operational errors
4. Built-In Dual Accounting
IFRS-compliant accounting embedded in the platform—no separate systems, real-time GL postings
Business Impact – Audit Readiness,,Eliminates the manual challenge of adhering to complex regulatory accounting standards
5. Smart Reconciliation Engine
Rule-based dynamic reconciliation with Case Manager for exceptions and automated matching
Business Impact – Reduced Settlement Risk, Minimizes failures and frees up skilled personnel for high-value strategic activities
6. User-Defined Reporting
DIY report builder with drag-and-drop fields plus 100+ pre-configured regulatory and management reports
Business Impact – Operational Efficiency, due to configurable and flexible MIS reports giving control to business users
Advanced Analytics: Strategic Intelligence & Value-Adds
Transform treasury from cost center to profit driver
1. Portfolio Risk Analytics
VaR calculations, Duration Metrics, performance analysis, and portfolio optimization with scenario testing
Business Impact – Quantifiable Deal Impact & Optimization
2. Contextual ALM
Integrated Asset Liability Management for liquidity risk, rate risk optimization, and funding strategy
Business Impact – Resilient Capital Management. Safeguards the bank against market volatility through continuous stress-testing
3. CBX-FX Self-Service Platform
E-banking and FX trading platform for branches and corporate customers with real-time pricing
Business Impact – New Revenue Streams, Unlocks growth by exposing treasury services to a wider ecosystem of internal and external partners
4. Resource Mobilization
End-to-end management of borrowings and deposits with full STP and regulatory reporting
Business Impact – Efficient funds management resulting in less borrowings
5. CSGL (Customer Securities)
Revenue generation from Fixed Income Securities trades for customers with automated settlement
Business Impact – Stronger balance sheet through automation
6. Advanced Analytics Engine
Machine learning-powered insights, predictive analytics, and intelligent recommendations
Business Impact – Quantifiable Deal Impact & Optimization
What sets eMACH.ai Bank Treasury apart
Modern design principles that deliver fundamental advantages over legacy, monolithic systems
Composable "Zero-Waste" Architecture
The Difference: Unlike closed “black box” systems, eMACH.ai Bank Treasury is built on a cloud-native, microservices architecture with loosely coupled business components.
The Advantage: Provides unparalleled flexibility to integrate with existing ecosystems and adapt to changing business needs without vendor lock-in.
Business Process Excellence
The Difference: Design your own treasury workflows that match your unique business processes. by utilising a powerful rule engine to automate complex operational flows seamlessly through configurations.
The Advantage: Reduces manual intervention, enables greater control and allows for faster adaptation to new products or evolving regulatory procedures.
Federated Framework for Operational Autonomy
The Difference: A federated architecture designed for the demands of a growing global bank, that provides operational autonomy to different business units without losing centralized control.
The Advantage: Ensures consistent performance and stability regardless of user numbers or market activity, ideal for growing global banks.
The "Trade Nervous System" (AI Compliance)
The Difference: Features a future-ready, AI-powered compliance engine that actively oversees transactions at the product, currency, dealer, and portfolio levels.
The Advantage: Enables a shift from reactive, post-transaction reviews to a proactive, preventative risk management posture, ensuring operations are always secure.
Trader-Centric Contextual UX
The Difference: Features role-intuitive navigation and a contextualized UI/UX tailored specifically to the user’s function (Front, Mid, or Back Office).
The Advantage: Enhances individual productivity and significantly reduces the learning curve for high-stakes trading and settlement tasks.
Comprehensive Limits & Control Framework
The Difference: A robust framework featuring 85 pre-defined limits with drill-down capability to the individual transaction level.
The Advantage: Empowers the risk function to become a strategic partner by monitoring utilization and risk exposure in real-time.
Frequently Asked Questions
How does eMACH.ai Bank Treasury solve the rigidity of monolithic treasury systems ?
Our architecture is built on Composable, API-First, and Cloud-Neutral principles. Unlike closed “black box” systems, eMACH.ai unbundles treasury into loosely coupled business components. This allows banks to adapt to new market changes and integrate with a broader ecosystem—from core banking to market data providers—without vendor lock-in.
Can the platform handle real-time decision support for traders ?
Yes. The platform provides trader-centric decision support through dynamic blotters for real-time position, cash flow, and P&L management. Dealers gain immediate visibility into how every trade impacts risk exposure and profitability, moving from reactive trading to proactive, data-driven strategies.
What is the "Trade Nervous System" and how does it utilize AI ?
The Trade Nervous System is an AI-powered compliance engine at the heart of our Mid Office module. It provides multi-dimensional monitoring across product, currency, dealer, and portfolio levels. It automates compliance checks against complex internal policies and global regulations, flagging breaches in real-time to move your bank to a preventative risk posture.
How does the platform achieve over 95% Straight-Through Processing (STP) ?
Operational excellence is achieved by automating the entire deal lifecycle—from trade capture in the front office to settlement and accounting in the back office. By eliminating manual reconciliations and utilizing rule-based dynamic engines, banks can drastically reduce processing costs and minimize operational risk.
How does the solution integrate with market data feeds like Reuters or Bloomberg ?
Integration is seamless via our iTurmeric Composability and Integration Studio. This layer acts as the central nervous system, featuring an API Marketplace with out-of-the-box adapters for major market data providers. This ensures a true 360-degree view of operations with faster, more reliable connectivity.
What impact has the platform had on end-of-day (EOD) processing times ?
The impact is transformative. For example, a leading Middle East bank implemented our STP-led process and successfully reduced its end-of-day processing time from 2 hours to just 13 minutes. Another institution saw a 50% reduction in manual interventions, enabling them to expand into new financial products.
Can we manage Asset Liability Management (ALM) within the same platform ?
Absolutely. The platform includes a Contextual ALM module that monitors and optimizes interest rate exposure and liquidity across the enterprise. This integrated approach prevents the fragmented view of risk often found in siloed technology landscapes.
What does an agile implementation timeline look like ?
We follow a risk-mitigated agile delivery model focused on speed-to-value. This involves 3-4 week sprints with an MVP (Minimum Viable Product) focus to ensure core components go live faster. Implementation is driven by “joint squads” comprising experts from both the bank and Intellect to ensure total alignment.
Delivering Tangible Impact Across Global Banks
Centralized Treasury Operations for a Large Bank
A leading bank implemented Intellect’s Bank Treasury platform to unify liquidity, funding, and investment operations—improving visibility, reducing manual processes, and strengthening balance sheet control.
Treasury Team Improves Intraday Decision-Making
By adopting a real-time treasury platform, a bank enhanced intraday liquidity monitoring and funding decisions—reducing risk and improving responsiveness to market movements.
Recognized Excellence
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