Know where your cash earns the most. Prove why you put it there.
Likwidity automates how bank and credit union treasury teams compare counterparties, place surplus liquidity within policy limits, and document every decision for examiners.
Pure SaaS. No brokers.
Same institution, same day, same balance
Base overnight account
Top-tier overnight account
Left on the table
0.60%
3.96%
336 bps
Source: one corporate credit union's published rate sheet, Sept 17, 2026. Rates shown for illustration; tiered access can require capital contributions.
Deposits are growing. Cheap deposits are not.
Funding mix and liquidity placement, not funding volume, are what examiners and ALCO now ask about.
3.32 %
US bank net interest margin in Q2 2026, up just 1 basis point, even as deposits rose for an eighth straight quarter.
FDIC Quarterly Banking Profile, Q2 2026
54% to 47%
Interest-bearing non-maturity deposits as a share of community bank deposits, Q2 2022 to Q1 2026.
Mercer Capital, Bank Watch, June 2026
43%
Share of US commercial bank deposits that are uninsured, the balances that move fastest when rates or confidence shift.
St. Louis Fed, Q4 2025
4.9% vs %4.3%
Credit union loan growth against insured share growth over the year to Q2 2026, a tightening liquidity cushion.
NCUA, Q2 2026 system performance data
The Gap
Perfect information, suboptimal decisions.
Forecasting and cash visibility tools tell your team where liquidity sits and where it is heading. They stop short of the decision: which counterparty pays the most for it, what your limits allow, and what you can show an examiner afterward.
For most bank and credit union treasury teams, that decision still runs on phone calls, rate sheets, spreadsheets and a calendar reminder for every maturity.
Likwidity closes the gap between knowing and doing, without changing a single banking relationship.
See it. Compare it. Place it. Prove it.
Likwidity is the one platform that runs all four in a single automated workflow.
01
See it.
Know where surplus liquidity sits across accounts, counterparties and maturities, in one dashboard instead of one spreadsheet per portfolio.
02
Compare it.
Send one request to 10+ banks and review the quotes side by side, with ratings and limits, instead of working the phones.
03
Place it.
Place deposits at the best risk-adjusted rate inside your investment policy, counterparty limits and approval hierarchy.
04
Prove it.
Every quote, approval and placement is logged. The audit trail your board, ALCO and examiners ask for is a by-product, not a project.
Likwidity does not move your funds.
No settlement risk or delay. You keep your existing banks and relationships, and placements go directly to the counterparty you choose.
Built for your treasury team
How banks and credit unions use Likwidity
Liquidity and deposit management
Place excess liquidity with the counterparties that pay the most, within the limits your board has approved. Replace the single-channel habit with a documented, repeatable comparison.
For treasurers, CFOs and ALCO members
Branches, entities and mergers
After a merger, duplicate counterparties, mismatched policies and idle balances in every branch or business unit need one standard. Run the same workflow across units on one group portal, without a heavy treasury system.
For combined institutions and multi-entity groups
Market data for participating banks
Projected for 2028. as more banks join Likwidity for corporate cash optimization, institutions that participate gain access to marketplace data, including how their own rates compare with the market.
For funding and deposit leaders
Examiner-ready by design
A cash decision with no trail is hard to defend in an exam.
Likwidity builds the evidence in as you work, from the first quote request to the maturity notice.
Approval hierarchies
Enforced before any placement
Counterparty limits
Concentration monitored live
Allocation by rating
Credit rating monitoring
Automated notices and interest
Maturity ladder
Quotes, approvals, and placements
Full audit trail
Questions treasury teams ask first
Does Likwidity hold or move our cash?
No. Likwidity is software and does not move funds, so there is no settlement risk or delay. Placements go directly to the counterparty you choose.
Who needs to be trained?
Non-specialist finance staff can run the workflow and reach the same standardized, documented outcome as a senior treasurer.
Do we have to change our banking relationships?
No. Likwidity works with the relationships you already have and the policy limits you already set.
What is the marketplace data in 2028?
As more banks join Likwidity for corporate cash optimization, participating institutions will have access to market data, such as how their rates compare.
Do we need a treasury management system?
No. Likwidity runs on its own and can optionally integrate with your ERP, TMS or portfolio systems.
Do we have to use it for corporate clients?
No. Treasury use for your own liquidity stands on its own. Participating in corporate cash optimization is optional and is what unlocks the data phase.