Platform
Everything your treasury needs, in one engine
From data upload to executed deals: forecasting, position solving, execution, payments and reporting on the same data and the same policy.
How it works
One treasury day, from data to execution
TO-ca$h runs the daily treasury cycle end to end. Your team supervises and approves, the engine does the heavy lifting.
All your banks, one picture
Every morning statements (camt.053, MT940, CBI), invoices and forecasts land in one place, across every entity and currency. AI checks the forecast against actuals.
The best move, computed
The engine weighs every option (transfers, FX, deposits, MMF, credit lines) and proposes the deals that cut costs and lift returns, within your policy.
12 deals · 4 entities · 3 ccy
Approve in minutes
Each deal shows rate, tenor, counterparty and expected return. Your team approves with maker-checker control, without opening a spreadsheet.
Executed and reported
Deals booked, payments run, day closed. Management gets the flash report and the savings achieved, the same day.
Modules
Every treasury workflow, one engine
From position solving to budgeting, each module works on live data and your treasury policy. Pick a module to see it.
Solved automatically, every day
Our rule-based engine proposes transfers, FX, deposits, MMF subscriptions and credit drawdowns across all accounts, always within buffers, limits and policy.
Solve Position
| Company | Amount | Deal suggested |
|---|---|---|
| Holding SpA | 40,000,000 | Deposit |
| Iberia SL | −5,200,000 | Bank Transfer |
| US Inc. | 3,450,000 | FX Same Day |
| UK Ltd | 1,800,000 | FX Forward |
| Holding SpA | 31,600,000 | MMF Subscription |
| Nordic AB | −2,100,000 | Intercompany Loan |
From suggestion to booked deal
Approved deals flow into a tracked execution pipeline. Every step (initiating, ongoing, confirmed) is visible in real time.
Execution Monitor
Confirmed
2
Ongoing
2
Initiating
1
Deal pipeline
Bulk payments at the lowest cost
Outstanding payments are grouped, routed through the least expensive account and executed in bulk, with transaction and implied costs made explicit.
Payment Factory
Payments
214
Run time
1m 52s
Txn costs saved
€ 3,940
| Payer · account | Amount | Status |
|---|---|---|
Holding SpA Nordbank EUR | EUR 499,240 | ● Confirmed |
Iberia SL Atlas Bank EUR | EUR 653,990 | ● Confirmed |
US Inc. Atlas Bank USD | USD 1,002,510 | ● Confirmed |
UK Ltd Metro Bank GBP | GBP 212,870 | ● Confirmed |
Holding SpA Nordbank EUR | EUR 88,400 | ● Ongoing |
Top-down plans, approved and tracked
Break the fiscal-year target down by company, division and cash-flow family. Plans go through approval and are tracked against actuals and forecasts.
Budgeting
FY26 target
€ 182.0M
Plans approved
2 / 4
DSO
58 days
| Plan | Status | Target mln |
|---|---|---|
| Group plan FY26 | Approved | 182.0 |
| Industrial division | Approved | 96.4 |
| Services division | Submitted | 61.2 |
| New markets | Draft | 24.4 |
Cash curve
Never lose sight of what's late
Overdue receivables and payables surface automatically, by company, counterparty and currency, so collections and payments are always under control.
Overdue Invoices
To collect
€ 2.16M
To pay
€ 0.21M
Avg. days overdue
14
| Counterparty | Amount | Overdue |
|---|---|---|
| Highland Castings | EUR 653,990 | 23d |
| Crescent Sheet Metal | EUR 499,240 | 16d |
| Vertex Power Systems | USD 1,002,510 | 11d |
| Sentinel Measurement | GBP 212,870 | 7d |
Flash reports, ready when you are
Budget vs actual, cash-flow families, counterparty and currency exposure. Fully customizable and exportable to PDF and Excel.
Flash Report
Budget on Actual
By cash-flow family · EUR mln
| Family | Budget | Actual | Δ% |
|---|---|---|---|
| Operating receipts | 48.2 | 51.0 | +5.8% |
| Suppliers | −31.4 | −30.1 | +4.1% |
| Payroll | −12.0 | −12.2 | −1.7% |
| Financing | −4.6 | −4.3 | +6.5% |
No black box
Decisions you can audit
TO-ca$h doesn't guess. Every decision follows explicit rules, refined over years of corporate treasury practice, and your treasury policy is enforced on each one of them.
- Rule-based: logic built on years of hands-on treasury expertise
- Explainable: every suggested deal shows its rationale and formula
- Under control: maker-checker approvals before anything is executed
- AI and ML where they truly add value: sharper forecasts and guidance, never a black box behind your decisions
Treasury Policy
Group · v3 · approved by CFO
Liquidity buffer per account
min € 2.0M
Max exposure per counterparty
≤ 25% of group cash
FX hedge ratio
70% - 100%
Max deposit tenor
≤ 3 months
Allowed instruments
Deposits · MMF · FX spot & forward
For every role
Value across the whole finance team
One platform, different benefits: strategic visibility for leadership, operational speed for treasury and full control for IT.
CEO
A clear, real-time view of group liquidity to steer strategy.
- Group-wide liquidity view
- Multi-company management
- Forecasts and trend analysis
- Strategic dashboards
CFO
Optimize cash flow and financial strategy with measurable results.
- Personalized dashboards
- Liquidity forecasting
- Budget vs actual analysis
- Flash reporting
Treasurer
Solve the daily position in minutes and focus on high-value decisions.
- Automated position solving
- Explainable deal suggestions
- FX and counterparty risk control
- Credit lines and investments
IT Manager
A lightweight setup with full control over data, access and approvals.
- Bank statements: ISO 20022 (camt.053), MT940, CBI
- Excel and CSV data upload
- Role-based access and approvals
- PDF and Excel exports
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.
Business case
Computed on your own numbers