Illustrative scenario · Commercial banker
A commercial bank across time zones
A banker helps a multinational client manage payments and liquidity without giving an agent authority to take new risk.
See all three perspectives-
Morning
A payment deadline approaches
The client’s treasury agent sees a supplier payment due before a planned receipt is expected to arrive. It shows which funded accounts and approved routes could cover the payment.
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Midday
The agent runs the approved playbook
Within the client’s policy, it can route a payment to a verified beneficiary on an approved rail. A new beneficiary or an exception to the client’s currency exposure limit goes to the appropriate approvers.
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Evening
The bank and client reconcile
The commercial banker and the client’s treasury team can see which payments settled, which are pending, and which approvals are still open.