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Rewriting the geography of money: A three-pillar framework for programmable liquidity

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  • Maloba, Henry

    (Independent Payments Strategist, USA)

Abstract

Legacy cut-off windows, fragmented messaging standards and post-transaction compliance create frictions in global payments. This paper proposes a three-pillar framework for programmable money that reconceives liquidity, value movement and trust as event-driven logic. Results show a 57 per cent reduction in processing costs when instructions travel as native ISO 20022 objects and liquidity buffers are recalculated every 15 seconds. Working capital tied up in settlement falls by 120 basis points, while real-time compliance screening cuts false-positive alerts by 67 per cent. Under a 100 million-transaction annual scenario, an additional US$285bn in global GDP is projected by 2028. Analysis indicates that banks can recover ISO 20022 migration expenses within 18 months. The paper concludes with a staged roadmap and outlines research gaps. This article is also included in the the Business & Management Collection which can be accessed at https://hstalks/business.

Suggested Citation

  • Maloba, Henry, 2025. "Rewriting the geography of money: A three-pillar framework for programmable liquidity," Journal of Payments Strategy & Systems, Henry Stewart Publications, vol. 19(3), pages 217-233, September.
    • Handle: RePEc:aza:jpss00:y:2025:v:19:i:3:p:217-233
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    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit

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