Likwidity Quarterly Q423 -How normal is this cycle?
Hi There Welcome to the Q423 edition of the Likwidity Quarterly, where we review the past few months and examine the implications for...
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Ensure that Enterprise Cash Funds are appropriately invested in Bank Deposits with respect:
Our Clients wish to..
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The best available interest rates.
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Bank credit rating
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Available limits
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That group entities are adhering to policies and governance
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That information is visible
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That investment decisions are auditable
That the process of collating and execution is efficient, automated and cost effectives
What we do is..
Provide a software platform that automates price discovery with multiple banks in multiple currencies with a few clicks and incorporates workflow driven management platform and reporting dashboard for risk and funds allocation.
Available as either:
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PaaS (In-house Platform-as-a-Service)
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SaaS (Software-as-a-Service)
An easy to implement and use platform that:
Clients get
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Automates multi-bank price discovery
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Automate workflow for deal execution
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Time-saving efficiencies in recording and updating deal information
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Improves interest income by optimising best rate outcomes
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Governance and auditability over placement of funds
Our Core Services
Higher interest rates are set to dominate markets for a long time.
Likwidity Deposit Platform will enhance your organisation's bottom line with higher interest income. Combined with automated price discovery, efficiency and compliance management tool.
Its time to give your organisation a competitive edge. Price discovery and execution of Bank deposits for many corporates and institutions is still a manual and non-compliant process. Likwidity Corporate Deposit platform brings automation, efficiency, visibility and governance to the process whilst ensuring highest rates on all Bank deposits. Available through a Software-as-a-Service offering or as an In-House Platform-as-a-Service configuration. Only platform with no hidden commissions or brokerage.
Who do we work for:
Suitable for in country or global operations. Large and Mid sized Corporations, Government, Fund Managers, Family Offices, NFP, and any organisation that needs to place deposits with multiple or single banks.
Any organisation that has to search for the best place to invest their excess or surplus cash into Call account or Time/Term Deposits. Likwidity has the completely unbiased platform solution.
Awesome Features
Our Core Features
With extensive experience in developing and operating financial and treasury software, we recognized that the process for organizations to do price discovery and management of short-term cash.
Who do we work with
Large and Mid sized Corporations, Government, Fund Managers, Family Offices, NFP, and any organisation that needs to place deposits with multiple or single banks.
Welcome to Likwidity
Full Featured Platform
Likwidity incorporates numerous additional features to simplify processes including:
Multiple portfolios
Setup own banking panel & relationship managers
Automated interest calculations
Automated maturities process
Ability to aggregate transactions
Comprehensive audit trails
How It Works
WHAT WE DO
We bring automation and transparency into the financial markets. Likwidity provides the 1st Independent and Unconflicted Corporate Deposit Platform. Automated and efficient multi-bank price discovery and management platform for Organisations to effortlessly optimise returns on Cash Funds in Call and Time/Term Deposits. With embedded compliance, governance and auditability to ensure that all actions are auditable whilst maintaining your existing bank relationship. We are not brokers so we do not earn commissions or rebates from Banks. We provide a pure Platform as a Service ("PaaS") or Software as a Service ("SaaS") on a subscription model. For treasury and finance staff involved in cash management, Likwidity provides a very clear ROI with a fast and low cost setup and operation. For more background on Deposits and some of the challenges, see our Blog Page
Digital Efficiency
Benefit from the efficiencies inherent in digital and replace manual processes without losing relationships
Automation
Move away from manual recording and execution to a 1-click automated process with massive time savings
Assurance
Audit trails and security ensures assurance and compliance available for scrutiny
Independence
Pure software service with NO brokerage or commissions. Fully independent
Peace of Mind
Knowing that all transactions will stand up to review and scrutiny by stakeholders
Optimised Returns
Pricing tension that delivers better rate outcomes and a clear ROI
Our Numbers Are Talking
Why Us
Why Us Unlike other providers, we are not brokers. Pure Software Platform with no hidden commissions or brokerage.
Full transparency. No access to Client Funds or Accounts. Deal with your own bank panel and Relationship Managers.
Only Deposit platform to pass due-diligence by Big4 auditors.
Important questions
Frequently Questions
With extensive experience in developing and operating financial and treasury software, we recognized that the process for organizations to do price discovery and management of short-term cash.
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I don’t like change. Is it worth it?With interest rates rising sharply, the net benefit has increased dramatically and if you have average cash balances of $2m and above, then yes, it is definitely worthwhile. The higher your balances, the more you stand to gain. The days where idle cash is left with your transactional bank can no longer be overlooked and will increasingly be open to scrutiny. Our data historically has shown spreads between the Big-4 of approximately 43 basis points and even higher when you take international, mid-tier and smaller Banks into the mix. Have a look at the spreads and rates over here (Web Rates Compare | Likwidity) and you can see how much money you are leaving on the table. Automation is becoming the new standard and you should not be left behind !
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What organisation will benefit from using Likwidity ?In general, any organisation that has surplus/idle cash from time-to-time that needs to be optimally invested and who also has more than 1-banking relationship. Ideally placing a minimum of $2m at a time in bank deposits (Call, Notice or Term/Time Deposits)
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We only have 1-bank relationshipLikwidity is an automation and price-discovery platform that streamline the process of managing and maintaining a record of bank deposits and could work for a single-bank entity, the fuller benefit of multi-bank price discovery is best suited to organisations with more than 1-bank. Our view is that all corporates should be multi-banked to ensure risk diversification. See how your organisation compares with others as regards banking partners with our quick poll (How Many Banks is optimal ? (google.com))
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How many banks can I transact with?You can request a quote from up to 20 banks per transaction, and are able to transact with virtually any bank, locally and offshore.
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We already have a bank panel in place. Will using Likwidity software affect these relationships?Using Likwidity software does not change or impact any existing banking relationships. Instead, it helps you to systemise your current dealings / processes in the deposit space. Our platform allows you to continue to transact with your banks, whilst also providing you access to potential new banking partners. The key to Likwidity’s platform is improved transparency through business process automation, full audit trails, improved compliance practices and reporting. Our systems help you automate what is typically one or more manual processes. Our ultimate aim is to foster pricing tension within the deposit market, which in the medium to long term can only mean better rates for our clients, both in the Private and Public sector.
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What about Commissions?We have no intermediary or fee arrangement in place with any banks and we do not earn any commissions or rebates. We charge a monthly fee for our platform so we can work on a zero-commission model, have no-conflict of interest and be able to provide the best rates available in the market.
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How does Likwidity help with the impact of COVID-19?Many organisations now have a remote-working policy and this has dramatically impacted oversight of business processes. The best way of ensuring consistency, security and adherence to policies is by having a systemised process and system to deliver results with full visibility, audit trails and compliance.
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Does it mean we have to setup new bank accounts?Your existing banks will be setup on your Likwidity dashboard, and you retain full control over which other banks you choose to invite or not. The bank relationships are entirely in your control. Some banks will quote on new client opportunities, but these can only be acted upon once bank relationships are put in place on the system.
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Access to Funds or accountsLikwidity NEVER has access to any bank accounts or client funds. All settlements and funds are directly between Client and Bank. Likwidity application purely does price discovery and administration of deposit workflow process, interest calculations, risk allocations.
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We already use a deposit platform. How is Likwidity better?Great, you already see the benefit in using a deposit a platform. Likwidity is different from other platforms on the market because we are the only independent solution. We have no conflicts of interest because, unlike our competitors, we do not get paid any commissions or have any affiliations with banks. Even after accounting for our nominal monthly fee, you should see a benefit of up to 50%. We prioritise our customers results and because we are not affiliated with any banks, you are not limited to just dealing with the banks on “our panel”. Being a technology platform, we enable you to transact with any bank of your choosing and whom you have a relationship with. We also do not provide advisory services, and therefore are not involved in moving funds, eliminating settlement risks or potentials for delay.
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Why should we pay for the service when others don't charge?Our fees are flat, standard and transparent, whereas Commission-based platforms typically charge anywhere between 5-25 basis points per transaction in commissions. You as the client will typically not see what fees/ commissions are paid by the bank. Additionally, different banks pay different commissions, making it hard to decipher what the true rate could have been. This is never disclosed to you - the end Client. Also, commission based platforms will only ever allow you to deal with banks that are on their “panel”. As Likwidity is a technology provider, not a Broker, this allows you to deal with any bank you want.
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So who is Likwidity ?As you can see on the about page, the founder has deep experience in developing and operating treasury and financial platforms with annual volumes in excess of $100bn. The executive team is also supported by a very strong advisory board and Likwidity has also passed a due-diligence by PWC.
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