Know your cash.Put it to work.
A live position across every entity, currency and partner, a 13-week forecast that learns from your ERP, and sweeps that move idle naira into short-dated money-market funds overnight.
Group position
One number,refreshed every minute.
- LiveBalances from Zaya accounts plus your other providers through statement import (MT940, CSV, or the open-finance APIs where they exist).
- Forecast13-week cash forecast built from AP and AR in SAP or Dynamics, with variance against last week's view.
- YieldSweep surplus into money-market funds and T-bills through licensed partners, with same-day liquidity.
- LimitsCounterparty limits per partner so no single institution holds more than your policy allows.
ILU HOLDINGS PLC · GROUP09:41 WAT
Multi-entity, multi-currency
An account forevery subsidiary.
Open NGN, USD, GBP and EUR Zaya accounts for each entity under the group's single onboarding. Each gets its own NUBAN, IBAN or sort code, its own signatories and its own statements, with the group above it all.
Naira
NIP instant transfers 24/7, NIBSS direct debit, Pay with Transfer collections and virtual account numbers per customer.
US dollar
Receive export proceeds and pay suppliers over SWIFT gpi, with each payment tracked end to end.
Pound sterling
Local UK details on Faster Payments for your London entity, payroll and rent included.
Euro
SEPA Instant and SEPA Direct Debit for European suppliers and buyers.
Collections
Issue a virtual NUBAN to each distributor, so incoming money reconciles to them automatically.
MT940, CAMT.053, CSV, every 15 minutes.
06 · Cash pooling
Sweep the groupinto one header.
Physical zero-balance or target-balance sweeps from each subsidiary to the group header account, on the schedule you choose. Every movement books an intercompany loan with interest at your transfer-pricing rate.
TONIGHT'S SWEEP · 17:00₦6.4bn
05 · FX and hedging
Lock the ratebefore it moves.
Streaming spot from licensed dealers, plus forwards and non-deliverable forwards up to 12 months to cover import bills and dividend payouts. Every booking is checked against your hedging policy before it is sent.
QUOTE · SPOT0:15
Sell ₦ · Buy $ · 1 USD in NGN
Sell ₦ · Buy £ · 1 GBP in NGN
Sell ₦ · Buy € · 1 EUR in NGN
- SpotTwo-way prices on NGN, USD, GBP, EUR, GHS, KES and ZAR, with CBN reporting handled for you.
- ForwardDeliverable forwards up to 12 months, with partial drawdowns against an LC schedule.
- NDFNon-deliverable forwards settled in naira for exposures you can't deliver.
- PolicyHedge ratios per entity. Zaya flags any unhedged exposure above your threshold every Monday.
- ReportMark-to-market and hedge-effectiveness reports for IFRS 9, exported each month-end.