Automatic Liquidity

How It Works

Each clearing system connection (BIC) maintains separate settlement accounts for SCT (SEPA Credit Transfer) and INST (SEPA Instant). The liquidity engine periodically checks these balances against your configured minimums and takes action when needed.

Automatic liquidity is available for CENTROlink. To move liquidity manually, see Transfers between settlement accounts; to move excess liquidity out, see Withdraw to safeguarding.

Balance Thresholds

You configure four values that control the engine’s behavior:

Setting	Description
SCT Minimum	Minimum balance for the SCT settlement account
INST Minimum	Minimum balance for the INST settlement account
Transfer Amount	Amount moved between accounts during an automatic transfer
Critical Minimum	Calculated as SCT Minimum + INST Minimum + Transfer Amount. Below this, the system won’t rebalance
Warning Balance	Target minimum balance across both accounts. Breaching it sends a notification, but transfers still work. Must be at or above the Critical Minimum

Configuration

Configure liquidity settings through the Dashboard under Settings > Liquidity. These settings are not available through the API; the transfers the engine creates can be followed with Get liquidity transfers.

Enable Auto-Liquidity

Navigate to Settings > Liquidity
Enable Auto-Liquidity
Set SCT Minimum, INST Minimum, and Transfer Amount
Optionally set a Warning Balance above the critical minimum
Save the configuration

What-If Calculator

The settings page includes a what-if calculator. Enter hypothetical SCT and INST balances to see what the engine would do - which alerts fire, whether a transfer is triggered, and in which direction. Use the sliders to explore thresholds.

Automatic Transfers

When auto-liquidity is enabled and a scheme balance drops below its minimum, the engine:

Checks if the opposite scheme account has enough surplus (its own minimum + transfer amount)
If yes, initiates a transfer of the configured amount from the surplus account to the deficit account
The transfer is sent to the clearing system as a dedicated liquidity transfer instruction, not a regular customer payment - it is recorded as an Adjustment transaction and cannot be cancelled or returned

Transfers only execute during the clearing system’s operating window. For SEPA via CENTROlink, this is typically 08:00-18:40 EET on business days.

Notifications

Configure webhook URLs to receive alerts when balance thresholds are breached or when automatic transfers occur.

Webhook	Fires when
Low balance notification	Total balance drops below the Warning Balance or Critical Minimum, or a scheme balance is below its minimum and funds cannot be transferred
Transfer notification	An automatic liquidity transfer is initiated or changes status

Low Balance Notification

Payload

{
  "alertType": "RECOMMENDED_TOTAL_MINIMUM_BREACHED",
  "ibans": ["LT123456789", "LT987654321"],
  "minimumBalance": 100,
  "currentBalance": 99
}

string

required

Which limit was breached. One of: RECOMMENDED_TOTAL_MINIMUM_BREACHED, ABSOLUTE_TOTAL_MINIMUM_BREACHED, SCT_MINIMUM_BREACHED_NO_TRANSFER, INST_MINIMUM_BREACHED_NO_TRANSFER

array

required

IBANs of the impacted settlement accounts

number

required

The configured limit that was breached

number

required

The balance at the time of the alert

Liquidity Transfer Notification

Payload

{
  "transferId": 1,
  "sepaMessageId": "sepa-message-id",
  "debtorAccount": "LT123456789",
  "creditorAccount": "LT987654321",
  "amount": 10,
  "currency": "EUR",
  "status": "CREATED"
}

integer

required

Liquidity transfer identifier

string

Identifier of the SEPA message carrying the transfer

string

required

Source settlement account IBAN

string

required

Destination settlement account IBAN

number

required

Transfer amount

string

required

Currency code (ISO 4217)

string

required

Transfer status. One of: CREATED, SENT_TO_CLEAR, ACCEPTED, REJECTED, COMPLETED

Set the Minutes between notifications value to control how often repeated alerts are sent for the same condition. This prevents notification floods when balances remain low.

Test your webhook URLs using the Test button next to each URL field in the settings page before saving.

API Reference

Account balances

View current settlement account balances

Initiate transfer

Move funds between settlement accounts or withdraw to safeguarding

Liquidity transfers

View past liquidity transfers and withdrawals

Account statements

View settlement account statements

Getting Started

Integration Guide

Account Management

SEPA Instant/SCT

SEPA Direct Debit

SWIFT Payments

Payment Information

Investigations (Preview)

Liquidity management

Bank Information

Webhooks

How It Works

Balance Thresholds

Configuration

Enable Auto-Liquidity

What-If Calculator

Automatic Transfers

Notifications

Low Balance Notification

Liquidity Transfer Notification

API Reference

Account balances

Initiate transfer

Liquidity transfers

Account statements

​How It Works

​Balance Thresholds

​Configuration

​Enable Auto-Liquidity

​What-If Calculator

​Automatic Transfers

​Notifications

​Low Balance Notification

​Liquidity Transfer Notification

​API Reference

Account balances

Initiate transfer

Liquidity transfers

Account statements

How It Works

Balance Thresholds

Configuration

Enable Auto-Liquidity

What-If Calculator

Automatic Transfers

Notifications

Low Balance Notification

Liquidity Transfer Notification

API Reference