Payment Infrastructure
Real-Time Gross Settlement (RTGS)
High-value, real-time settlement in central bank money, with liquidity management and ISO 20022 messaging.
Overview
An RTGS system settles high-value and time-critical payments individually and irrevocably across participants' settlement accounts at the central bank. It is the backbone of a country's financial market infrastructure.
IMARA designs RTGS software around the operational needs of central banks: participant and account administration, real-time settlement with queuing, liquidity monitoring and tools, and complete auditability of every message and state change.
Capabilities
What our RTGS technology covers.
Real-time settlement engine
Gross settlement of individual payments with configurable queuing, priorities and gridlock resolution.
Liquidity management
Intraday liquidity monitoring, reservations, limits and support for intraday credit facilities.
Participant management
Onboarding and administration of direct and indirect participants, accounts and permissions.
ISO 20022 messaging
Native support for ISO 20022 payment and cash management message flows.
Ancillary system settlement
Settlement of net positions from ACH, card, mobile money and securities systems.
Monitoring & reporting
Real-time operator dashboards, statements, billing and regulatory reports.
Related solutions
Designed to work together.
Discuss your RTGS requirements.
Whether you are modernising a national payment system, replacing a core banking platform or launching digital services, our team is ready to discuss your requirements.