Streamlining Exception Handling for Instant Payments

In the ever-evolving world of banking and fintech, compliance is a critical aspect that cannot be overlooked. With the increasing emphasis on regulatory standards and the need to combat financial crimes, a revolutionary platform has emerged to simplify and streamline compliance processes for all stakeholders involved.

 “90 % of transactions now reach end banks within just one hour—yet exception investigations still take as long as they did five years ago.” swift.com

Even with SWIFT GPI slashing settlement times, unresolved exceptions (due to sanctions hits, missing documents or AML flags) force manual handoffs, driving up operational and liquidity costs (banks spend up to $20 M/year on fees and penalties) and frustrating customers. swift.com

Swift’s enhanced Case Management, built on ISO 20022 and UETR, uses richer structured data, smart routing, automated reminders and end-to-end tracking to cut investigation times by up to 80 % and save the industry over $600 M annually in operational and liquidity costs. swift.com

LEDGE accelerates and embeds exception management by:

• Tokenized Exception Events: Every AML check, sanction hit or document request is encapsulated in a cryptographically signed LEDGE token that travels with the payment message—ensuring each exception is traceable and tamper-proof.

• AI-Powered Case Prioritization: Our AI models analyze incoming exception tokens, assign an AML risk score and compile full transaction context—so your team can address the highest-risk cases first and resolve them in seconds.

• Unified Exception Dashboard: A single, real-time console surfaces every payment’s history and its associated exception tokens across SWIFT GPI and instant-pay rails—giving operations and compliance teams end-to-end visibility for instant resolution.

 See how LEDGE transforms exception management into a service differentiator—Request a demo and keep every payment moving.—Book your demo today.