Process 2: Query + Hold Cash (Buy Securities)

Query cash balance and hold funds for securities purchase.

Message Type

camt.048 - Intra Balance Movement Instruction
camt.025 - Receipt (Response)

Purpose

The Securities Company queries the cash balance and simultaneously requests to hold (block) a specific amount to ensure the customer has sufficient funds to pay for the securities purchase transaction.

REQUEST - Broker → UFG → Custody Bank

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.048.001.05">
  <IntraBalMvmntInstr>
    <MsgHdr>
      <MsgId>BRK00-HOLD-20250126-001</MsgId>
      <CreDtTm>2025-01-26T11:00:00Z</CreDtTm>
    </MsgHdr>
    <InstrId>HOLD-VN30-20250126-001</InstrId>
    <ReqdExctnDt>
      <Dt>2025-01-26</Dt>
    </ReqdExctnDt>
    <CshAcct>
      <Id>
        <Othr>
          <Id>0821234567</Id>
        </Othr>
      </Id>
    </CshAcct>
    <SttlmAmt Ccy="VND">1500000000</SttlmAmt> <!-- Hold Amount -->
    <CdtDbtInd>DBIT</CdtDbtInd>
    <Purp>
      <Cd>SECU</Cd> <!-- Securities Purchase -->
    </Purp>
    <SplmtryData>
      <PlcAndNm>OrderDetails</PlcAndNm>
      <Envlp>
        <OrderRef>ORD-VN30-001</OrderRef>
        <Symbol>VN30F2501</Symbol>
        <Quantity>100</Quantity>
        <Price>15000000</Price>
        <Side>BUY</Side>
      </Envlp>
    </SplmtryData>
  </IntraBalMvmntInstr>
</Document>

Key Fields Explanation

Field	Description
InstrId	Instruction ID - identifier for the hold request
SttlmAmt	Settlement Amount - amount to hold
CdtDbtInd	Credit/Debit Indicator - DBIT = debit
Purp	Purpose - SECU = Securities
SplmtryData	Supplementary Data - additional order info

RESPONSE - Custody Bank → UFG → Broker

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.025.001.05">
  <Rct>
    <MsgId>
      <MsgId>CUSTODY00-ACK-20250126-001</MsgId>
      <CreDtTm>2025-01-26T11:00:01Z</CreDtTm>
    </MsgId>
    <ReqHdlg>
      <StsCd>PACK</StsCd> <!-- Partially Accepted = Sufficient -->
      <!-- Or RJCT = Rejected = Insufficient -->
    </ReqHdlg>
    <OrgnlMsgId>
      <MsgId>BRK00-HOLD-20250126-001</MsgId>
    </OrgnlMsgId>
    <SplmtryData>
      <PlcAndNm>HoldDetails</PlcAndNm>
      <Envlp>
        <HoldRef>HOLD-CUSTODY-001</HoldRef>
        <Status>ACCEPTED</Status> <!-- ACCEPTED or REJECTED -->
        <HoldAmount Ccy="VND">1500000000</HoldAmount>
        <ValidUntil>2025-01-26T16:00:00Z</ValidUntil>
      </Envlp>
    </SplmtryData>
  </Rct>
</Document>

Status Codes

Code	Meaning	Description
PACK	Partially Accepted	Sufficient balance - Hold successful
RJCT	Rejected	Insufficient balance - Hold failed

Hold Expiry

Hold requests have a default expiry of 4 hours (for T+0 trading). After this time, if no settlement occurs, the funds are automatically released.

Use Cases

1. Place Buy Order

When a customer places a buy order, the securities company holds the funds immediately to ensure payment.

2. Place Derivative Order

For derivative transactions, hold margin requirement.

3. Pre-settlement Check

Before T+2 settlement, reconfirm hold is still valid.

Flow Diagram

Technical Notes

Hold Duration

• Default: 4 hours for T+0 trading
• T+2 securities: Can extend to settlement date
• Derivatives: Per margin regulations

Hold Reference

Custody Bank returns HoldRef for tracking. Broker needs to save this reference for:

• Release hold (when cancelling order)
• Query hold status
• Modify hold amount

Concurrent Holds

An account can have multiple hold requests simultaneously for different orders.

Total Balance: 10,000,000,000 VND
├── Hold 1: 1,500,000,000 VND (Order VN30-001)
├── Hold 2: 2,000,000,000 VND (Order HPG-002)
└── Available: 6,500,000,000 VND