Bankster API / 6 articles

Payments & funding

Moving money changes balances, obligations and the need for cash.

Moving money involves several clocks: acceptance, account posting, settlement and replenishment. A faster interface can change the timing of obligations without supplying the cash needed to meet them.

These articles connect payment states to positions, collateral and funding. Follow how an apparently local improvement can alter liquidity needs elsewhere.

Continuous payments create a continuous funding problem

Continuous payment acceptance does not ensure continuous funding. Explore the timing mismatch between outgoing flows and replenishment.

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Gross settlement can reduce waiting while increasing funding needs

Settling payments sooner can require more funding. Compare gross settlement, netting and the timing of incoming and outgoing cash.

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Payment accepted, account posted, funds settled: three different states

Payment accepted does not mean funds settled. Separate an interface response, a customer ledger posting and the settlement event.

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Counterparty exposure: from trades to netting sets and collateral

Trade values become counterparty exposure through agreement scope, netting and collateral. Follow the calculation boundaries.

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Positions, accounting balances and risk exposures

A position, an accounting balance and a risk exposure describe different views of a trade. See where their numbers diverge.

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How an approved loan becomes a serviced account

An approved loan still needs contracts, servicing records and ledger entries. Follow the handoff from lending decision to account operation.

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