Treasury & Embedded Investing · Use case

Automate corporate treasury

Scope this use caseTalk to us

Short answer

Treasury automation moves a company's idle cash into short-term instruments and back, following rules, with reporting finance teams can rely on. Providers differ in instrument access, liquidity, and how well they connect to your accounts and accounting.

What this use case is

Treasury automation moves a company's idle cash into short-term instruments and back, following rules, with reporting finance teams can rely on. Providers differ in instrument access, liquidity, and how well they connect to your accounts and accounting.

Who builds this

Corporate finance platforms
B2B fintechs
Scale-ups managing their own cash
Business account providers

What your customer sees

  1. 1Sets a minimum operating balance
  2. 2Excess cash invested automatically
  3. 3Daily reporting of positions and returns

How Treasury & Embedded Investing solves it

1

Rules set for minimum balances

Rules set for minimum balances

2

Excess cash moved to instruments

Excess cash moved to instruments

3

Positions tracked

Positions tracked

4

Cash returned when balances fall

Cash returned when balances fall

5

Reporting to finance and accounting

Reporting to finance and accounting

Want to have

  1. Instrument access
  2. Rule-based sweeps
  3. Liquidity terms
  4. Position reporting
  5. Accounting exports

Optional

  1. Multi-entity
  2. Multi-currency
  3. Forecast integration

Design decisions

Control

Rules-based
Manual approval

automation versus oversight.

What to put in your RFP

Instruments

  • Instruments

Rules

  • Rules

Liquidity

  • Liquidity

Reporting

  • Reporting

Integrations

  • Integrations

Commercials

  • Commercials
Add these to an RFP

How to evaluate providers for this use case

  1. 1Liquidity
  2. 2Reporting
  3. 3Integration with your banks and accounting

Pitfalls

  • Investing cash needed for payroll
  • Reporting that finance cannot reconcile

What providers will ask you

  1. Cash balances and flows
  2. Entities and currencies
  3. Policy

Other Finlane categories that cover parts of this

This use case is solved mainly with Treasury & Embedded Investing. These categories cover specific parts of it and can be tendered alongside it.

FX & Cross-Border Payments

Currency treasury and hedging

Banking-as-a-Service

Operating accounts

Frequently asked questions

Other Treasury & Embedded Investing use cases

Offer yield on customer balances

Sweep idle client cash into money market funds, T-bills or high-yield savings with clear disclosures.

Embed retail brokerage

Let users buy fractional shares, ETFs or crypto from inside your product on a partner's licence.

Run a savings or goal-based product

Let users create savings pots with interest, funded by a licensed partner bank or fund.

Scope automate corporate treasury with Treasury & Embedded Investing providers

Scope this use case