Bulk Money Movements

High-Volume Payouts and Collections — Overview

Bulk Money Movements is a Cobre capability designed to help businesses move money at scale. It allows companies to initiate, control, and track large volumes of money movements—payouts or payins—through a single coordinated operation, while maintaining full visibility, control, and reconciliation at the individual transaction level.

This feature is especially valuable for companies that operate mass disbursements or collections as part of their core workflows.

It is available in Colombia and Mexico.

1. What Cobre Enables with Bulk Money Movements

With Bulk Money Movements, Cobre allows businesses to:

Execute hundreds or thousands of money movements in one operation

Support multiple local rails (e.g., SPEI, Fast Pay, ACH, Bre-B) depending on country

Maintain individual traceability for each movement

Apply approval and governance controls before execution

Reconcile bulk operations using standardized reports

Bulk operations are fully integrated into Cobre’s money movement and ledger model.

2. Bulk Money Movements in the Cobre Model

A Bulk Money Movement in Cobre represents a container operation that groups many individual money movements under a single request.

From a conceptual standpoint:

Each bulk operation contains multiple individual money movements

Each individual movement behaves like a standard local money movement

Each movement generates its own transactions

The bulk object provides aggregate visibility (status, totals, counts)

This design ensures scale without sacrificing auditability.

3. Supported Use Cases and Flows

Bulk Money Movements can be used for both outgoing and incoming flows, depending on the rail and country.

Common payout use cases:

Payroll and contractor payments

Marketplace seller settlements

Supplier and vendor disbursements

Mass refunds or reimbursements

Common collection use cases:

Batch payins link generation for recurring operational collections

Cobre allows businesses to choose the appropriate rail per movement while keeping everything under a single bulk process.

4. Accounts, Counterparties, and Scale

Bulk Money Movements rely on the same core components as single money movements:

Cobre Balances

Act as the origin or destination of funds

Are debited or credited per individual movement

Counterparties

Represent recipients or payers

Can be reused across thousands of movements

This reuse of primitives ensures that scaling volume does not increase operational complexity.

5. Approval Workflows and Governance

Bulk Money Movements support enterprise-grade controls, including:

Optional maker–checker approval flows

Ability to review a bulk operation before execution

Centralized decision-making (approve or reject)

This is critical for finance and treasury teams managing high-value or high-risk operations.

6. Execution, Status, and Transparency

Once a bulk operation is executed:

Each individual money movement progresses through its own lifecycle

Successes and failures are tracked independently

Partial completion is supported (some movements may succeed while others fail)

Cobre provides visibility at two levels:

Bulk level: overall status, totals, counts

Movement level: per-recipient outcome

This ensures transparency without overwhelming operators.

7. Transactions, Reporting & Reconciliation

Every individual money movement inside a bulk operation generates Transactions, which:

Affect the corresponding Cobre Balances

Appear in standard transaction lists

Are included in money movement and balance reports

Cobre also provides bulk-aware reporting layouts, allowing businesses to:

Reconcile bulk payouts efficiently

Match internal payroll or settlement files

Audit individual outcomes within large operations

8. Reliability, Error Handling & Recoverability

Bulk Money Movements are designed for operational resilience:

Individual movement failures do not block the entire bulk

Errors are isolated and clearly reported

Failed movements can be retried or handled separately

This makes bulk operations suitable for mission-critical financial workflows.

9. Bulk Money Movements vs Single Money Movements

From a capability standpoint:

Single Money Movements → Best for ad-hoc or low-volume operations

Bulk Money Movements → Best for high-volume, repeatable workflows

Both share:

The same account model

The same transaction ledger

The same reporting and controls

Bulk Money Movements simply optimize scale and efficiency.

10. Summary — What Cobre Delivers with Bulk Money Movements

With Bulk Money Movements, Cobre enables:

High-volume payouts and collections
Unified execution across multiple local rails
Individual traceability at scale
Enterprise-grade approval workflows
Robust reporting and reconciliation
Operational resilience and transparency

Cobre abstracts the complexity of mass financial operations and delivers Bulk Money Movements as a scalable, secure, and auditable capability within its broader money movement platform.

Bulk Money Movements

High-Volume Payouts and Collections — Overview#

1. What Cobre Enables with Bulk Money Movements#

2. Bulk Money Movements in the Cobre Model#

3. Supported Use Cases and Flows#

Common payout use cases:#

Common collection use cases:#

4. Accounts, Counterparties, and Scale#

Cobre Balances#

Counterparties#

5. Approval Workflows and Governance#

6. Execution, Status, and Transparency#

7. Transactions, Reporting & Reconciliation#

8. Reliability, Error Handling & Recoverability#

9. Bulk Money Movements vs Single Money Movements#

10. Summary — What Cobre Delivers with Bulk Money Movements#