Virtual AccountManagement
Montran’s VAM platform simplifies complex cash management by adding advanced accounting, payment, and cash management capabilities over existing core banking systems.
How Virtual Account Management Works
Capture Complex Corporate Structures
VAM supports corporates operating across multiple entities, geographies, and banking relationships within a single framework.
Front-End Existing Core Systems
The platform sits as an intelligent layer over the bank’s core banking architecture, without requiring changes to underlying systems.
Enable Virtual Account Capabilities
VAM introduces virtual account–driven features for managing payables, receivables, liquidity, and reconciliation.
Deliver Controlled Cash Management
Banks can offer advanced cash management services while maintaining operational stability, governance, and control.
Montran VAM provides a unified framework for managing virtual accounts, payment flows, collections, and liquidity across corporate structures.
Key Capabilities
Payments-on-Behalf-Of
(POBO)
Centralized payables management with Payments-on-Behalf-of capabilities.
Collection-on-Behalf-Of
(COBO)
Streamlined receivables management with Collections-on-Behalf-of support.
Virtual Account Structures & Hierarchies
Manages accounts, client hierarchies, statements, and segregated funds.
Global Intraday 
Liquidity Management
Real-time visibility and control of liquidity across entities and accounts.
How It Works
Montran’s platform supports end-to-end payment processing with automated reconciliation. Integrated billing, risk, and FX management enable effective fee and exposure control, while inter-company lending support facilitates internal funding, strengthening financial governance.
Montran’s VAM enables banks to offer advanced virtual account–based cash management services. By providing centralized control, liquidity visibility, automated reconciliation, and scalable payment models, the platform helps banks deepen corporate relationships and unlock new revenue—without disrupting core systems.
FAQs
01
What is Intraday Liquidity Management (ILM)?
Intraday Liquidity Management (ILM) enables financial institutions to monitor, forecast, and control liquidity positions in real time, ensuring sufficient funds are available to meet payment and settlement obligations throughout the day.
02
How does Montran’s ILM improve liquidity control?
Montran’s ILM provides real-time and historical liquidity views, configurable thresholds with breach alerts, payment throttling, and automated release of payments based on fund availability.
03
Does ILM support liquidity forecasting?
Yes. The platform supports manual forecasting, rule-based projections, mathematical balance modeling, and time-series forecasting enhanced with machine learning.
04
Does How does ILM integrate with payment systems?
ILM integrates with RTGS, ACH, and other payment infrastructures to monitor throughput, manage liquidity usage, and compare projected versus actual cash flows.
