What Is a Real-time Cash Position?

A real-time cash position is an up-to-the-minute view of how much cash your company holds across every bank account, entity, and currency, updated continuously as transactions clear, not calculated once a day from a batch export.

Real-Time vs. End-of-Day Cash Position

Most treasury teams work from an end-of-day position: a snapshot pulled from bank statements after the banking day closes. That data is always historical. A real-time position ingests intraday bank data (MT940, BAI2, or API bank feeds) and updates your position as transactions flow through.

Why It Matters

• Catch overdraft risk before it happens

• Know exactly when funds are available to invest

• Confirm payments have cleared without calling the bank

• Actively manage intraday liquidity

Palm connects directly to your banks and ERP to deliver a continuously updated cash position, by entity, currency, region, or account, without batch exports or overnight delays.

Related Terms: Cash Visibility | Cash Pooling | Bank Reconciliation | Liquidity Management