Automate and optimize your treasury
save money and time, every day
TO-ca$h solves your daily treasury position (cash allocation, hedging, investments and payments) and executes it automatically: lower financial costs, higher returns on idle cash and hours of manual work given back to your team. An AI engine built on decades of treasury experience.
Flash installation · Treasury policy mapping · AI-powered & explainable
Not ready for a demo? Take the 2-minute treasury check-up
Treasury Position
Group · 14 entities · 23 banks
Group cash
€148.2M
today
30-day low point
€131.6M
97.8% forecast acc.
Excess liquidity
€71.6M
above €60M buffer
Expected yield
€183.1k
next 30 days
Cash Forecast
Trusted by
Bitia
End to end
From seeing the numbers to capturing the value
Visibility
Know what is happening
Cash, forecasts and risks of the whole group in one picture, every morning.
Optimization
Determine the best decision
The engine weighs every alternative and proposes the deals that cut costs and lift returns.
Execution
Capture the financial value
Approved deals are executed automatically: the savings actually land in your accounts.
Most tools stop at visibility. TO-ca$h goes all the way to the value.
Free treasury check-up
How efficient is your treasury?
Answer a few yes/no questions and get your efficiency score, area by area, with what you could gain.
Beyond the engine
Everything around it, ready from day one
Live in days, not quarters
We start from the bank statements and spreadsheets your treasury already uses. No IT project, no ERP change, no months of consultants.
Your policy, enforced by default
Buffers, counterparty limits and hedge ratios are coded once and respected on every single deal, so the board sleeps well.
Every deal comes with its numbers
Rate, tenor, counterparty and expected return on each proposal: your treasurer signs off in seconds, with a full audit trail.
Shaped around your group
Reports, dashboards and workflows built on your entities and your board's questions, at no extra cost.
Onboarding
New client · multi-entity group
Upload bank files and spreadsheets
camt.053, MT940, CBI, Excel
Map entities, accounts and banks
Group hierarchy and account roles
Encode your treasury policy
Buffers, limits, hedging, instruments
First position solved
Deals suggested and approved
What it solves
Built to solve treasury's real problems
Six engines on the same data and the same policy, each one answering a question your treasury asks every day.
“How much cash will we really have in 30 days?”
AI Forecasting & Assistance
AI sharpens your forecasts against actuals and guides your team through the platform, day to day.
“Where should our cash sit today?”
Cash Management
Automated cash decisions, transactions and optimal allocation, always within liquidity buffers.
“Are we exposed on FX and counterparties right now?”
Risk Management
Rule-based hedging that delivers the best possible cover within your treasury policy constraints.
“How do we pay everyone at the lowest cost?”
Payments
Fully automated execution that finds the least expensive way to settle every outstanding payment.
“Is idle cash earning what it could?”
Investments
Excess liquidity allocated to deposits and MMFs for the best yield, without compromising liquidity or counterparty risk.
“What does the board need to see, today?”
Reporting
Dynamic, fully customizable reporting for internal and external stakeholders.
Results
A performing treasury
TO-ca$h outperforms traditional treasury with measurable economic benefits, frees the team from low-value routine work and finally makes treasury strategic for the business.
1.5 h
to complete the full treasury day, from reconciliation to reporting
10 min
to execute all treasury deals automatically
2 min
to run all payments
7-9%
of transacted volumes: the cost of treasury errors you stop paying
Your next treasury move is waiting
Get a business case on your own numbers: what TO-ca$h costs, and what it saves you every year in financial costs and working hours.