Money Movements Scheduler

Automated and Scheduled Payments — Overview

The Money Movements Scheduler is a Cobre capability that allows businesses to schedule money movements to be executed automatically at a future date and time, instead of triggering them manually. It enables predictable, repeatable payment operations while preserving the same controls, visibility, and reconciliation model as on-demand money movements.

This feature is designed for companies that need time-based execution of payments as part of their financial workflows.

1. What Cobre Enables with the Money Movements Scheduler

With the Money Movements Scheduler, Cobre allows businesses to:

Schedule future money movements instead of executing them immediately

Automate recurring or planned payouts

Separate payment creation from payment execution

Maintain full transaction visibility and auditability

Apply the same governance and approval controls as manual payments

Scheduled movements are treated as first-class money movements within Cobre’s platform.

2. Scheduled Money Movements in the Cobre Model

A scheduled money movement follows a two-phase model:

Planning phase

The money movement is defined and scheduled

No funds are moved yet

Execution phase

At the scheduled time, Cobre automatically executes the movement

Transactions are generated

Balances are debited or credited

This separation allows businesses to plan payments in advance while keeping execution precise and controlled.

3. Supported Use Cases

The Money Movements Scheduler is particularly useful for:

Payroll and contractor payments

Recurring supplier and vendor payouts

Planned marketplace settlements

Future-dated refunds or reimbursements

Treasury and liquidity planning workflows

By scheduling payments, businesses reduce manual intervention and operational risk.

4. Accounts and Counterparties in Scheduled Payments

Scheduled money movements rely on the same foundational components as immediate payments:

Cobre Balances

Serve as the source or destination of funds

Are affected only at execution time

Counterparties

Represent recipients / beneficiaries

Are defined in advance and reused at execution

This ensures consistency between scheduled and on-demand money movements.

5. Execution Timing & Reliability

The scheduler ensures that:

Money movements are executed at the defined date and time

Execution follows the same validation and processing rules as immediate payments

Failures are isolated and clearly reported

This makes the scheduler suitable for time-sensitive but non-interactive payment flows.

6. Governance, Controls & Approvals

Scheduled money movements benefit from Cobre’s governance framework:

Role-based permissions (Portal only)

Optional maker–checker approval workflows

Full audit trails showing:

Who scheduled the payment

When it was scheduled

When it was executed

This is especially important for finance and treasury teams managing planned disbursements.

7. Transactions, Reporting & Reconciliation

Once a scheduled movement is executed:

Transactions are generated exactly like any other money movement

Transactions appear in:

Transaction lists

Balance statements

Money movement reports

From a reconciliation perspective, scheduled and immediate payments are indistinguishable, ensuring accounting simplicity.

8. Scheduled vs Immediate Money Movements

From a capability standpoint:

Immediate Money Movements

Best for ad-hoc or real-time payments

Scheduled Money Movements

Best for planned, recurring, or future-dated payments

Both share:

The same account model

The same transaction ledger

The same reporting and controls

The scheduler adds automation and predictability, not complexity.

9. Operational Benefits of Scheduling Payments

Using the Money Movements Scheduler allows businesses to:

Reduce manual payment execution

Improve operational efficiency

Lower the risk of missed or late payments

Align payment execution with cash-flow planning

Standardize recurring financial processes

10. Summary — What Cobre Delivers with the Money Movements Scheduler

With the Money Movements Scheduler, Cobre enables:

Automated execution of future-dated payments
Predictable and repeatable payout workflows
Full governance and approval controls
Unified transactions and reporting
Seamless integration with existing money movement capabilities

Cobre abstracts the complexity of time-based payment execution and delivers the scheduler as a reliable, scalable, and auditable automation capability within its broader money movement platform.

Money Movements Scheduler

Automated and Scheduled Payments — Overview#

1. What Cobre Enables with the Money Movements Scheduler#

2. Scheduled Money Movements in the Cobre Model#

3. Supported Use Cases#

4. Accounts and Counterparties in Scheduled Payments#

Cobre Balances#

Counterparties#

5. Execution Timing & Reliability#

6. Governance, Controls & Approvals#

7. Transactions, Reporting & Reconciliation#

8. Scheduled vs Immediate Money Movements#

9. Operational Benefits of Scheduling Payments#

10. Summary — What Cobre Delivers with the Money Movements Scheduler#