Tool 39 · Treasury & Revenue
Model intraday cash flow and prefunding requirements across FedNow, RTP, ACH, SEPA Instant, PIX, and UPI. Single-rail shows overdraft risk and opportunity cost. Multi-rail optimizes prefunding allocation with cross-rail waterfall routing.
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
v1.0
FedNow · RTP · ACH
SEPA Instant · PIX · UPI
Intraday Simulation
Client-Side · Zero PII