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How It Works

Each clearing system connection (BIC) maintains separate nostro 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.

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Balance Thresholds

You configure four values that control the engine’s behavior:
SettingDescription
SCT MinimumMinimum balance for the SCT nostro account
INST MinimumMinimum balance for the INST nostro account
Transfer AmountAmount moved between accounts during an automatic transfer
Critical MinimumCalculated as SCT Minimum + INST Minimum + Transfer Amount. Below this, the system won’t rebalance
Warning BalanceTarget minimum balance across both accounts. Breaching it sends a notification, but transfers still work. Must be at or above the Critical Minimum

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Configuration

Configure liquidity settings through the Dashboard under Settings > Liquidity.

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Enable Auto-Liquidity

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

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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.

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Automatic Transfers

When auto-liquidity is enabled and a scheme balance drops below its minimum, the engine:
  1. Checks if the opposite scheme account has enough surplus (its own minimum + transfer amount)
  2. If yes, initiates a transfer of the configured amount from the surplus account to the deficit account
  3. 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.

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Notifications

Configure webhook URLs to receive alerts when balance thresholds are breached or when automatic transfers occur.
WebhookFires when
Low balance notificationTotal balance drops below the Warning Balance or Critical Minimum, or a scheme balance is below its minimum and funds cannot be transferred
Transfer notificationAn automatic liquidity transfer is initiated or changes status

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Low Balance Notification

Payload
{
  "alertType": "RECOMMENDED_TOTAL_MINIMUM_BREACHED",
  "ibans": ["LT123456789", "LT987654321"],
  "minimumBalance": 100,
  "currentBalance": 99
}
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alertType
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
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ibans
array
required
IBANs of the impacted nostro accounts
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minimumBalance
number
required
The configured limit that was breached
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currentBalance
number
required
The balance at the time of the alert

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Liquidity Transfer Notification

Payload
{
  "transferId": 1,
  "sepaMessageId": "sepa-message-id",
  "debtorAccount": "LT123456789",
  "creditorAccount": "LT987654321",
  "amount": 10,
  "currency": "EUR",
  "status": "CREATED"
}
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transferId
integer
required
Liquidity transfer identifier
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sepaMessageId
string
Identifier of the SEPA message carrying the transfer
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debtorAccount
string
required
Source nostro account IBAN
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creditorAccount
string
required
Destination nostro account IBAN
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amount
number
required
Transfer amount
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currency
string
required
Currency code (ISO 4217)
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status
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.

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API Reference

Get Nostro Balances

View current nostro account balances

Initiate Transfer

Manually transfer funds between nostro accounts

Transfer History

View past liquidity transfers

Account Statements

View nostro account statements
Last modified on July 10, 2026