Capital tied up across markets
Each market requires its own prefunded balance, leaving capital scattered across multiple accounts instead of available for use elsewhere.
Centiglobe Connect
One Central Collateral Pool Instead of Prefunding the Whole World
Centiglobe Connect is the cross-border payment network built for collaboration, powered by network-based tokenized deposits. Consolidate scattered prefunding into a single centralized collateral account and put trapped liquidity back to work.
Illustrative case: Mid-size payment institution
effects of Centiglobe central collateral model
- $192,900
- Total annual savings
- $700,000
- Released capital from prefunded accounts
- 70%
- Less capital tied up
- 88%
- Reduction in annual running cost
- 101
- 10 prefunded accounts become 1 account to reconcile
The problem
The Scattered Prefunding Model Taxes Your Balance Sheet Every Single Day
In a scattered model cash is trapped in multiple markets to cover required prefunding, including peak demand. The cost is not only capital – it is fees, headcount and risk.
High operational overhead
Multiple prefunding accounts require continuous balance monitoring, funding management and reconciliation, consuming significant time and resources.
Costly to fund and maintain
Multiple accounts generate recurring banking fees and require regular funding transfers and additional top-ups, adding cost every time liquidity needs to be repositioned.
Scattered model
- Many local buffers funded + additional for peak demand
- Continuous top-ups for all scattered accounts per year
- Many accounts, profiles and reconciliations
CENTIGLOBE CONNECT MODEL
- One centralized collateral account recycled 24/7
- Limited bulk top-ups per year
- One account, one audit trail
The solution
Why Central Collateral Matters
Centiglobe Connect holds your collateral once and makes it fungible across every corridor and partner in the network. Value moves directly member-to-member using tokenized deposits, enabling fungible liquidity across the network and predictable, instant payments without traditional banking cut-off times.
- Replaces multiple prefunding accounts with one central collateral account.
- Reduces capital usage and operational overhead.
- Provides fungible liquidity across all corridors and partners.
- Removes dependency on multiple correspondent banks and intermediaries.
- Supports predictable, instant cross-border payments with no cutoff times.
How the flow works
- 1
Fund once, centrally
Deposit funds into a single central collateral account on Centiglobe Connect.
- 2
Settle member-to-member
Pay any counterparty in the network directly with your digital account funded with tokenized bank deposits.
- 3
Rebalance, don't re-fund
Rolling reuse between members tops your digital account back up without new collateral deposits.
- 4
Make the surplus work for you elsewhere
Invest the surplus – enable you to scale to other markets or invest for capital returns.
Advantages
Six Benefits of Shared Collateral Made Digital
Lower capital requirements
A single centralized collateral account covers peak liquidity dynamically across time zones and markets, instead of overfunding local accounts just in case.
Simplified operations
One main ledger and one relationship cut administrative workload, unnecessary bank fees, and audit and compliance friction.
Rolling reuse of deposited funds
Centiglobe rebalancing gives low-cost, fast top-ups of your digital account. No need to deposit new collateral.
Scale your business
Scale your business – use freed up capital to grow into new markets and increase payment volumes.
Reduced top-up transfer costs
Bulk movements from one central account beat frequent, fragmented top-ups across numerous banking relationships.
Lower counterparty risk
Exposure concentrates with fewer global banking partners, so financial stability and standards are easier to monitor. Collateral secures your position.
Business case
What Central Collateral Is Worth in a Year
One institution, four savings areas, at a glance – then build your own case below.
Illustrative use case — annual saving
Total annual savings
$192,900
Running cost reduction
88%
Capital freed up
$700,000
A mid-size payment institution with 10 prefunding accounts of $100,000 each, 500 top-up transfers a year and a 10% cost of capital.
- Running cost today
- $139,000
- Centiglobe model
- $16,100
- Difference — running cost saved per year
- $122,900
Operations, account fees and top-up transfers across 10 prefunding accounts.
One central position with less operational effort and fewer, cheaper rebalances.
WHERE THE SAVINGS COME FROM
Four savings areas add up to the $192,900 annual savings and 88% reduction in annual running cost.
Capital efficiency savings
$70,000
- Scattered model
- 10 accounts × $100,000 = $1 million tied up
- Centiglobe model
- 1 central position = $300,000 tied up, $700,000 freed at 10%
Operational overhead savings
$62,400
- Scattered model
- 10 h/week × 52 weeks × $150/h
- Centiglobe model
- 2 h/week × 52 weeks × $150/h
Bank account fee savings
$36,000
- Scattered model
- 10 accounts × $300/month × 12
- Centiglobe model
- 1 central account × $0/month × 12
Top-up transfer cost savings
$24,500
- Scattered model
- 500 transfers × $50
- Centiglobe model
- 100 rebalances × $5
Grand total direct savings per year
$192,900
Build Your Own Case
Start blank or load an illustrative example. The Centiglobe side updates automatically from your inputs.
Choose a starting point
Begin with a blank custom case, load an Illustrative use case or end-customer example.
Your model today
Custom case – drag or type to adjust.
Capital efficiency
In a scattered model capital is tied up in every market to make sure funds are there when needed. One central, fungible collateral position lets the same capital be reused again and again.
Annual saving
$0
0
How many accounts you fund around the globe today.
$0
Average capital you need to keep in each account.
10%
Your annual cost of capital.
Centiglobe model
- Prefunding accounts
- 1
- Central collateral needed
- $0
Operational overhead
Monitoring balances, managing funding needs and reconciling many accounts is time-consuming. A central position consolidates that work into one funding position.
Annual saving
$0
0 h
Weekly staff time for monitoring, funding and reconciliation.
$0
Your internal cost per hour.
52
Centiglobe model
- Operational time
- 0 h/week
- Positions to reconcile
- 1
Bank account fees
Every prefunding account adds recurring account and banking costs. A central setup reduces this to one account.
Annual saving
$0
$0
Recurring account and banking cost per account, per month.
12
Centiglobe model
- Accounts maintained
- 1
- Monthly account cost
- $0
Top-up transfer costs
Scattered accounts need regular replenishment plus extra top-ups for peak periods. Fungible collateral and netting mean fewer, cheaper rebalances.
Annual saving
$0
0
How often you top up an account × how many accounts.
$0
Typically the cost of a Swift transfer.
Centiglobe model
- Rebalances per year
- 0
- Fee per rebalance
- $0
Grand total direct savings per year
$0
Plus $0 of capital freed up.
Running cost reduction
0%
Capital efficiency savings
$0
Today
Centiglobe
Operational overhead savings
$0
Today
Centiglobe
Bank account fee savings
$0
Today
Centiglobe
Top-up transfer cost savings
$0
Today
Centiglobe
Capital tied up today
$0
Centiglobe model
$0
Next step
Bring Your Corridor Map. We'll Model the Collateral Release. And Your Total Savings.
A 30-minute session with our team is enough to size the capital, fee and operational impact of central collateral for your institution.