The Scheduler automates recurring money movements between your accounts, eliminating manual transfers and reducing operational overhead. Whether you're managing payroll, supplier payments, or internal treasury operations, schedules ensure funds move precisely when needed—every time.How It Works#
Schedules execute automated transfers based on your defined parameters. When execution time arrives, the system creates individual money movements for each source account, processes them through the appropriate payment rail (SPEI, Bre-bi, FastPay), and provides full traceability through batch IDs that link all related transfers. This automation frees your team from repetitive manual tasks while maintaining complete control and visibility over your treasury operations.Key Capabilities#
Flexible recurrence patterns — Configure schedules to run every minute, hourly, daily, weekly, monthly, or at custom intervals using precise cron-based scheduling that matches your business cycles.
Two transfer modes — Choose between fixed amount transfers for predictable obligations or account sweeping that automatically moves all available funds, adapting to different operational needs.
Precise timing control — Set exact execution times with timezone specification, ensuring transfers process when your operations require them.
Multi-account orchestration — Schedule movements from multiple source accounts simultaneously to any destination, supporting complex treasury workflows.
Approval integration — Optionally require checker approval for movements generated by schedules, maintaining your governance controls even for automated transfers.
Supported Configurations#
The Scheduler works with specific account and counterparty combinations based on your operational geography:Mexico — Schedule transfers from CLABE accounts to CLABE counterparties via SPEI.
Colombia — Schedule transfers from checking, savings, or Cobre balance accounts to checking, savings, Cobre balance, or electronic deposit counterparties.
Creating a Schedule#
Access the Scheduler through the Movements section in the sidebar, then click + Create to begin.Schedule Identification#
Schedule alias (optional) — Assign a descriptive name that helps your team quickly identify the schedule's purpose (e.g., "Weekly payroll funding" or "Daily settlement transfers").
Payment description (optional) — Add context that appears in transaction records for each generated money movement, supporting reconciliation and audit trails.
Account Configuration#
Source accounts — Select one or multiple accounts from which funds will transfer. When you configure multiple source accounts, the schedule creates separate money movements for each account at execution time, all linked by a common batch ID for easy tracking.
Destination account — Specify where funds should arrive. This must be a counterparty within your Cobre infrastructure that matches the allowed destination types for your geography.
Transfer Amount#
Choose how the schedule determines transfer amounts:Total available amount — Transfers the complete balance from each source account at execution time. This account sweeping mode automatically adjusts to whatever funds are available, ideal for consolidating balances without manual calculation. Configure this by selecting "Total available amount" in the Portal.
Specific amount — Transfers the exact amount you specify from each source account on every execution. Use this for predictable obligations like rent payments or recurring supplier contracts where the transfer value remains constant.
Recurrence Settings#
Define when and how often the schedule executes:Repeat every — Set the frequency interval (e.g., "1 Day" for daily execution, "7 Days" for weekly, "1 Hour" for hourly consolidation). The Portal translates your selection into a precise cron schedule that controls execution.
At — Specify the exact execution time. Schedules process at this time on each recurrence cycle.
Timezone — Select the appropriate timezone for execution. This ensures schedules run at the intended local time, particularly important for multi-region operations or when coordinating with business hour requirements.
Approval Requirements#
If your organization uses maker-checker controls, you can configure whether movements generated by this schedule require approval before processing. This setting ensures automated transfers still respect your governance framework.Click Finish to activate your schedule.
How Schedules Execute#
When a schedule's designated time arrives:1.
Money movements are created — The system generates individual money movements for each source account you configured, applying either the fixed amount or sweeping the available balance.
2.
Batch linking — All movements from a single execution receive a unique batch ID, making it simple to track related transfers even when processing multiple accounts.
3.
External tracking — Each movement includes the scheduler ID in its external_id field, maintaining clear traceability back to the originating schedule.
4.
Processing — Movements enter the standard money movement lifecycle, processing through the appropriate payment rail with full status tracking and error handling.
5.
Visibility — All generated movements appear in your Transactions view with complete metadata, including your payment description, execution date, and tracking information.
If any functional errors occur during processing (insufficient funds, invalid account status, etc.), the money movement object is still created with the error details included, ensuring you have complete visibility into both successful and failed executions.
Managing Schedules#
The Schedules list provides comprehensive visibility into all automated transfers. Each schedule displays:Alias — Your assigned identifier
Origin Accounts — Source account IDs (with count indicator if multiple)
Destination Account — Target counterparty ID
Target Amount — Transfer amount or "Total amount" indicator for sweeping mode
Frequency — Execution pattern (e.g., "Cada minuto", "A las 14:00, sólo el lunes")
Status — Current state (Active/Inactive)
Creation Date — When the schedule was established
Deactivating Schedules#
To stop a schedule from executing, delete it from the list. The schedule's active flag is set to false, immediately preventing future executions while preserving the historical record of past movements generated by the schedule.
Use Cases#
Payroll Preparation#
Schedule funds to move from your main operating account to payroll accounts before processing dates, ensuring sufficient balance without last-minute manual transfers. Use fixed amounts when payroll is predictable or sweeping mode to consolidate all available funds.Supplier Payment Batching#
Automate regular payments to recurring suppliers with fixed amount schedules that match contract terms, reducing administrative work while maintaining payment reliability and creating predictable cash flow.Liquidity Management#
Set up hourly or daily sweeps that consolidate balances from multiple subsidiary accounts into a central treasury account, optimizing your working capital position and reducing idle balances across your infrastructure.End-of-Day Reconciliation#
Schedule sweeps at market close to consolidate trading or operations accounts, ensuring your treasury view accurately reflects available funds before the next business day.Multi-Entity Consolidation#
When managing multiple legal entities, schedule regular sweeps from entity-specific accounts to group treasury accounts, simplifying cash visibility and reducing trapped liquidity. 