A net settlement system is a payment system between banks, where a large number of transactions are accumulated, usually waiting until the end of each day to be settled through payment instruments like: wire transfers, direct debits, cheques, .... These systems also provide clearing functions to reduce interbank payments but are sometimes exposed to liquidity risks. Monitoring, and optimizing the interbank exchanges through suitable tools is useful for the proper functioning of these systems. The goal is to add to these systems an intelligent software layer integrated with the existing system for the improvement of transactions processing and consequently avoid deadlock situations, deficiencies and improve system efficiency. We model and develop by multi-agent an intelligent tracking system of the interbank exchanged transactions to optimize payments settlement and minimize liquidity risks.