Cash Management Knowledge Graph — CH + EU + UK

Open-source documentation graph mapping how banks deliver cash management to corporate clients in Switzerland, the European Union, and the United Kingdom.

314 markdown files, 17 dirs, Obsidian-compatible. Cross-linked to companion graph at paycodex-onchain for DLT/EVM-based equivalents.

What this is

Stack-agnostic + vendor-aware documentation across:

• 7 sectors — onboarding, products, tech integration, daily ops, relationships, pricing, risk
• 16 worked vertical slices — SCT Inst, SDD, QR-bill, cross-border SWIFT/gpi, RTGS (CHAPS/T2/SIC), Bacs DD, FPS, liquidity, securities cash-leg, CBDC, cards, trade finance, BaaS, FX hedging, ESG-linked, Open Banking
• 91 concept atoms — payment rails, services, controls, regulations, operators
• 21 regulations with deadline tracker
• 16 operators (CH/EU/UK supervisors + scheme operators + global utilities)
• 33 vendor profiles — payment hubs, sanctions/fraud, TMS, core banking
• 5 cross-rail comparison matrices — rails, direct debit, instant payments, receivables
• NFR catalog — availability, performance, security, scalability, observability, DR, compliance
• ISO 20022 message catalog — pain, pacs, camt, admi, sese
• 300+ acronym glossary

Quick start

# Open in Obsidian (recommended)
git clone https://github.com/lopezpalacios/paycodex
# Open the cloned directory as an Obsidian vault

# Or browse on GitHub — all linking renders in web UI

# Or use VSCode with Foam / Markdown All-in-One extensions

How to read

Persona	Start here
Newcomer	README.md → 01-onboarding.md → walk sectors
Engineer	Pick a vertical slice (e.g., SCT Inst) → state → entity → architecture → controls → runbook
Architect	vendors/README.md + architecture/sct-inst-physical-vendor-map.md + decisions/
Compliance	regulations/deadline-tracker.md + relevant control catalog
Strategist	comparisons/rails-matrix.md + EXECUTIVE-DECK.md

Executive overview

See EXECUTIVE-DECK.md — Marp-format slide deck.

Render to PowerPoint or PDF:

npm i -g @marp-team/marp-cli
marp EXECUTIVE-DECK.md --pptx -o exec.pptx
marp EXECUTIVE-DECK.md --pdf -o exec.pdf

Companion DLT/EVM graph

paycodex-onchain — same products, EVM-based DLT implementation:

• 100 ranked use cases (easy → hard)
• 24 runnable Solidity snippets (Foundry-compatible)
• 4+1 cash leg comparison (stablecoin / tokenized deposit / wholesale CBDC / retail CBDC / tokenized MMF)
• T-REX (ERC-3643) compliance patterns
• Bank integration patterns for Temenos, SAP, Oracle, Mambu, Thought Machine

Sectors

1. Onboarding — KYC, credit, legal, RFP
2. Products — accounts, receivables, payables, liquidity, FX
3. Tech integration — H2H, SWIFT, ISO 20022, APIs, TMS
4. Daily ops — morning routine, intraday, exceptions
5. Relationships — TSO, TMO, service, RM
6. Pricing & revenue — account analysis, ECR, fees
7. Risk & controls — entitlements, fraud, sanctions, resilience

Worked vertical slices (full implementation depth)

Payment rails:

• SCT Inst — EUR instant
• SDD — SEPA Direct Debit
• QR-bill receivables — Swiss AR reconciliation
• Cross-border SWIFT/gpi
• CHAPS / T2 / SIC RTGS
• Bacs DD — UK direct debit
• FPS — UK Faster Payments
• Liquidity management
• Securities cash-leg — T2S DvP
• CBDC — wholesale + retail tracker

Adjacent product lines:

• Cards
• Trade finance — LC, BG, D/C
• Embedded finance / BaaS
• FX hedging
• Open Banking
• ESG-linked treasury — see concepts/esg-linked-loan.md

Regulations

Full list with deadline tracker. Key:

PSD2/PSD3 · Instant Payments Regulation · WTR · AMLA · DORA · GDPR · Swiss AMLA · FinSA/FinIA · FADP · Basel III · MiFID II · EMIR · CSDR · FATCA/CRS · MiCA · Digital Euro · SFDR · CSRD · EU Taxonomy · CBDC tracker

DLT/EVM companion + factory

This graph has three companion repos for cash management on DLT:

• paycodex-onchain — knowledge graph: same products mapped to EVM-based DLT (permissioned + permissionless)
• paycodex-factory — runnable Hardhat project with 24 contracts, 14 TypeScript tests, gas reports, GitHub Actions CI
• paycodex-rules-poc — rule-driven interest-bearing deposit factory: Hardhat + AssemblyScript WASM + Besu IBFT2 (Docker). 8 canonical interest rules (simple, compound, tiered, floating, KPI-linked, floor/cap, two-track ECR, CH withholding). WASM-Solidity parity tested.

flowchart LR
    Inc[paycodex<br/>incumbent rails KG<br/>this repo] -->|cross-links| DLT[paycodex-onchain<br/>EVM patterns KG]
    DLT -->|sources snippets| Factory[paycodex-factory<br/>Hardhat + TS + CI]
    Factory -->|gas + tests| RES[(RESULTS.md)]
    RES --> DLT
    Inc -->|rule schema| Rules[paycodex-rules-poc<br/>WASM + Solidity + Besu]
    DLT -->|patterns| Rules

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Reference

• Glossary — 300+ acronyms
• Comparison matrices — rails, direct debit, instant, receivables
• ISO 20022 catalog — pain, pacs, camt, admi, sese
• NFR catalog — availability, performance, security, etc.
• Vendor profiles — 33 vendors

Contributing

See CONTRIBUTING.md. PRs welcomed for regulatory updates, new rails, vendor changes, additional patterns.

License

• Code (any .sol, scripts) — MIT
• Documentation (markdown) — CC-BY-SA-4.0