Planixs’ New Instant Payment Capabilities Bring Real-Time View of Liquidity for European Tips Customers

Planixs, the global leader in real-time treasury, liquidity management and insight solutions, today announces the launch of instant payment liquidity capabilities for European TIPS customers. This capability enables PSPs using Europe’s instant payments scheme to access real-time, AI-driven insights to manage their liquidity risk and understand liquidity usage.

The Growth of TIPS Transactions

TIPS (TARGET Instant Payment Settlement) is the instant payment scheme within the Target infrastructure that enables payment service providers (PSPs) like banks to receive and initiate Euro customer payments. Instant payments are set to account for 13% (€36.8 billion) of all transactions by 2028.

Despite the anticipated exponential growth in TIPS usage, PSPs within TIPS have limited insight into their actual and forecasted use of liquidity in TIPS. Planixs is filling this gap, allowing all PSPs within TIPS to capture, consume and utilise messages from the payment scheme and generate liquidity insights.

Planixs’ TIPS capabilities

In August 2025, Planixs released Realiti RT, a next-generation real-time treasury solution suite delivering enhanced performance, enterprise-grade resilience, and an intuitive new user interface. The first addition to the RT release is the capability to consume, action and provide insights into TIPS transactions in real time, enabling PSPs to:

• Track the PSP’s intraday TIPS account balance in real-time and be alerted automatically if balances breach thresholds.
• Understand historical patterns of liquidity usage to support decisions over how much liquidity to move between TIPS and other central bank accounts.
• Provide access to the underlying data to exploit new AI-driven capabilities, such as forecasting future liquidity positions and identifying anomalies in behaviour as they occur.

Built with Banks for Banks

Realiti’s TIPS capabilities were built with industry input and a major European Bank as the anchor customer. This dedication to building enterprise-grade solutions with banks for banks has resulted in Planixs being the global market leader in real-time treasury solutions, ensuring Realiti’s capabilities are aligned to the industry’s priorities and needs.

“We’re very excited about building TIPS functionality onto Realiti RT” said Neville Roberts, Planixs’ CEO. “Our TIPS liquidity capabilities are a market first. Instant payments pose a challenge to PSPs who are trying to manage liquidity effectively. But with access to liquidity data in real time, PSPs can respond quickly and work smarter by accessing the rich underlying data. We aim to provide the industry standard tool for all PSPs using TIPS.”