Your Corporate Clients are Scaling Globally. Your Account Infrastructure isn't.
Enterprises today enter new markets digitally, transact in real time, and manage treasury across dozens of geographies, yet most are still constrained by account-per-country banking structures that fragment liquidity, slow market entry, and create compliance blind spots. Virtual Accounts Infrastructure changes that equation. By decoupling local account capabilities from physical presence, banks can give corporate clients unified liquidity, real-time visibility, and instant access to domestic payment rails without the overhead of in-country entities.
This paper, authored by Justin Karl Silsbury, Lead Product Manager at Infosys Finacle, sets out the 7 structural imperatives accelerating VAI adoption, real-world use cases across 8 markets, and the path to a borderless liquidity operating model.
Borderless market entry
Enable corporate clients to collect and pay locally without in-country entities or accounts.
Real-time treasury
Continuous liquidity pooling and intraday visibility across all markets from a single hub.
Multi-rail connectivity
Native integration across FedNow, UPI, SEPA Instant, PIX, PAPSS, and regional schemes.
Regulatory-grade control
Fund segregation, auditability, and KYC/AML harmonized across geographies without physical accounts.
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