Treasury Management
Float positions, liquidity buffers, and settlement flows
Float Position by Currency
Current float holdings across all currencies
Total Float Under Management
₵12.45M
Across all currencies
Safeguarding Account Balance
₵12.45M
Partner bank confirmed
Reconciliation Delta
₵0.00
Must be zero or flagged
Pending Settlement Queue
₵875.0K
Awaiting merchant payout
Float Breakdown by Currency
| Currency | Float Amount | Status |
|---|---|---|
🇬🇭 GHS Ghanaian Cedi | ₵5,200,000.00 | Reconciled |
🇳🇬 NGN Nigerian Naira | ₦3,800,000.00 | Reconciled |
🇿🇦 ZAR South African Rand | R1,950,000.00 | Unverified |
🇺🇬 UGX Ugandan Shilling | USh980,000.00 | Reconciled |
🇺🇸 USD US Dollar (FX Buffer) | $520,000.00 | Discrepancy |
Liquidity Buffer
Minimum Required Buffer
10%
Current Buffer
12.4%
₵1,543,800.00
Buffer Status
30-Day Buffer Trend (%)
Fund Flow Architecture
DEMOCustomer Pays
NFC / QR / Link / Bank
ElRoiPay Routing Engine
Validates, scores, selects rail
Ledger Entry Created
Double-entry bookkeeping
Safeguarding Trust Account
Partner Bank — segregated
Float Pool
Aggregated customer funds
Settlement Queue
Batched for payout
Merchant Payout
Credited to bank account
FX Conversion Pool
Multi-currency
Customer Pays
NFC / QR / Link / Bank
ElRoiPay Routing Engine
Validates, scores, selects rail
Ledger Entry Created
Double-entry bookkeeping
Safeguarding Trust Account
Partner Bank — segregated
Float Pool
Aggregated customer funds
Settlement Queue
Batched for payout
Merchant Payout
Credited to bank account
FX Conversion Pool
Multi-currency
Safeguarding Compliance: Customer funds are legally segregated from ElRoiPay operating capital at all times. This structure complies with EMI safeguarding requirements under PSD2, Bank of Ghana PSP rules, and CBN Payment Service Bank regulations.