Tool 39 · Treasury & Revenue

A2A Liquidity Simulator — Single & Multi-Rail

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.

FedNow · RTP · ACH SEPA Instant · PIX · UPI Intraday Simulation Client-Side · Zero PII

Mode:

Rail

Cash Flow Profile

Starting Balance $10,000,000

Daily Inflow ($M)

Daily Outflow ($M)

Peak Multiplier 2.5×

Inflow Timing

Opportunity Cost APY 4.5%

Intraday Credit Line (optional)

Credit Limit ($M)

✓ Zero data transmitted

Simulation Results

Intraday Balance Timeline

Liquidity Recommendations