The UnifiedCash fleet minimizes the cost, risk and movement of physical cash across its entire lifecycle — forecasting demand, running cash-center operations, reconciling and settling, and recirculating surplus across a national network so it serves a deficit instead of returning to the central bank. Two complementary products deliver it: CashCenter runs the day-to-day cash-center operations of a licensed operator, and UnifiedCash is the national orchestration layer that nets and recirculates cash across every participant. The core is jurisdiction-agnostic, with Saudi Arabia (SAR / SAMA) as the first market.
The problem
Moving physical cash is high-risk, multi-party and heavily regulated. A single operator juggles forecasting, armored transport chain-of-custody, declared-vs-counted discrepancies, counterfeit quarantine, vault inventory, SLA windows, settlement and central-bank reporting — usually across disconnected systems. And above the operators, surplus and deficit are scattered across banks with no neutral brain that sees them all, so cash makes round-trips it never needed to make.
Fleet capabilities
The offer is end-to-end optimization, not a single feature. Each pillar spans both products — the CashCenter operations node and the UnifiedCash orchestration layer — with an honest Live / Planned status. Clearing is one pillar of seven, not the headline.
Predict demand and position cash, vaults and crews ahead of need — the front of the lifecycle.
Run the full physical money-moves lifecycle as one connected, event-driven backbone.
Close the loop on every movement — match what was declared to what was counted, then settle.
The networked win: surplus serves deficit instead of round-tripping through the central bank.
Cut the cost, distance and idle inventory of cash at every level of the network.
Auditable custody and prudent FMI risk so the cash utility is regulator-grade.
Give the central bank the network view it supervises — recirculation rate and the monetary picture.
The two products
The fleet is one lifecycle delivered by two complementary platforms. CashCenter owns the physical operations at the base; UnifiedCash nets and recirculates across the network above. Each is a full, independently running platform that integrates over the shared clearing plane.
The full money-moves lifecycle for a licensed cash-center operator serving banks and merchants — an event-driven choreographed saga where every riyal is traceable from an ATM low-cash signal to a posted settlement and a customer invoice. 58 entities across 12 domain microservices.
The neutral software brain of a SAMA-style Unified-Cash-Centers programme, sitting above the operator nodes. It nets each participant's surplus against every deficit so cash recirculates locally instead of round-tripping to the central bank — then settles, manages FMI risk, and reports the whole cash cycle to the regulator. The proven L0–L6 spine.
Inside the orchestration layer
This is the internal anatomy of the orchestration layer (the "Clear & recirculate", "Reconcile & settle", "Risk", and "Supervise" pillars above), not the whole fleet — the operations node delivers the rest. The L0–L6 spine is built and proven live; network forecasting (L1) and the production- hardening steps (a real SARIE/RTGS connector, physical DB-per-participant) are on the roadmap. Status is shown honestly per layer.
The network's single book — every participant × center × denomination × fitness, event-sourced from participant feeds and SAMA issuance/destruction.
Seasonal surplus/deficit prediction by location and horizon — Ramadan, Eid, Hajj and salary-cycle demand — feeding a network long/short map that drives cycle timing. (CashCenter already forecasts single-operator demand today — see the Forecast & plan pillar.)
Roadmap — not yet live; the only spine layer still ahead.The brain: nets surplus against deficit per (denomination × fitness), deciding recirculate / hold / return-to-SAMA with a draw-from-SAMA tally.
Each participant's net versus the clearing house, settled for finality on the RTGS rail. Delivery-versus-payment fires automatically when physical legs confirm — payment follows delivery.
Live on a pluggable RTGS adapter; a real SARIE connector drops into the same seam — planned.Net-debit limits (a hard block at dispatch), a prefunded guarantee fund, and a default waterfall — defaulter collateral → guarantee fund → clearing-house skin-in-the-game → mutualized survivors.
The network view the regulator supervises: the headline recirculation rate, the monetary picture, fitness/destruction by grade, per-participant flows and the FMI risk summary — filed as immutable snapshots.
Every participant sees only its own positions, limits, fund tranches, obligations and defaults — enforced in the database via PostgreSQL row-level security; the operator sees the whole network.
Live as RLS Chinese walls; physical DB-per-participant is the next hardening step — planned.Fleet architecture
Operations nodes like CashCenter run the physical cash lifecycle; the UnifiedCash orchestration layer nets and recirculates across all of them over a shared, secured clearing plane. The only things that cross the participant boundary are contract messages — positions inward, instructions outward.
What's next
Operations and clearing are live end-to-end. The road ahead is predictive timing at both levels, a real settlement rail, physical isolation, and more participants on the network.
Deepen CashCenter demand forecasting → route/capacity optimization, and add UnifiedCash L1 network surplus/deficit forecasting to schedule cycles ahead of demand.
A live national settlement rail behind the existing pluggable adapter seam — replacing the finality stub with the real thing.
Physical isolation with soft cross-participant references — the deployment-hardening evolution of the RLS Chinese walls already enforced today.
Onboarding additional banks and operators onto the clearing plane — each with its own access-isolated topic and credentials.
Access
The fleet exposes two products. UnifiedCash has three trust-boundary planes (operator, regulator, participant); CashCenter has its operations portal (customer + operator). Each is a separate sign-in — authorised access only.
Run cycles, dispatch physical legs, settle, and manage FMI risk across the whole network.
Open consoleSupervise the recirculation rate, the monetary picture, and FMI risk across all participants.
Open dashboardEach bank's private window: its positions, instructions, settlement and risk — walled from every other.
Open portalA bank customer's cash-operations portal — request cash, track & trace deliveries, claims, statements and acknowledgements.
Open portalThe cash-center operator's console — forecasting, orders, vault, CIT logistics, reconciliation and settlement.
Open console