FP&A & Treasury · Office of the CFO

The treasury that decides.

Not another dashboard over your spreadsheets. OptiCash sees the whole cash position, decides what to do with it, and — inside guardrails you set — acts.

−20–40%Idle cash

−30–80 bpsCost of capital

−5–15%DSO

→ 0Days in deficit

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What it replaces

Today, your cash runs on spreadsheets and gut feel.

Every finance team we meet is doing world-class work on tools that cannot carry it. It is true of a manufacturer, a retailer, a bank and an energy trader alike — whatever you make, sell or move, the cash decisions rhyme.

The spreadsheet became the system of record

The real cash position lives in a workbook that one analyst understands. It breaks quietly, it reconciles to nothing, and it is always a day behind the question.

The decisions run on intuition

Which supplier to stretch, which gap to fund, where to place the surplus — called from experience, defended from memory. Nobody can reconstruct why, least of all six months later in an audit.

Nobody sees the whole board

Collections, funding, FX and investment each optimize alone, over the same finite cash. The conflict between their decisions is real money — and it is invisible.

OptiCash replaces both — the workbook and the guess. Every number computed, every decision defensible, nothing typed in by hand.

The journey · Three layers

See. Decide. Act. Adopt them in that order.

Each layer stands on its own and earns the next. Start by putting the treasury on one page. Turn it into decisions you can defend. Then, only when you are ready, let those decisions act.

Layer 01
See
Opti Command Center
One book for the whole treasury — positions, forecasts and reports, live and reconciled.
Layer 02
Decide
Opti Brain
Eleven optimizers, each solving a stated objective under your real constraints — and showing its work.
Layer 03
Act
Opti Autopilot
Describe an event; Opti re-solves the affected desks and returns an approval-gated plan.

LAYER 01Opti Command Center · See

See the money. Operate the book.

The surfaces your team works in every day, over a single system of record. Enter a fact once and every KPI, report and dashboard reads the same book — no re-keying, no spreadsheet drift, no arguing about whose number is right.

CFO Cockpit

Board-grade KPIs — runway, buffers, covenant headroom, cost of debt — computed live from the book, with an honest as-of stamp.

Workflows

Your FP&A and treasury cycles — budget, reforecast, maker-checker approvals — as guided, auditable steps instead of a chain of emails.

Data Hub

The system of record itself. Every table, every column — browse, filter and edit, with writes routed through the same rules the product enforces.

Reporting

A library of reconciling reports and dashboards, scoped to an entity or across the whole book, exportable to the last decimal.

Guides

In-product walkthroughs and glass-box explainers. Every calculated field traces back to its formula and its source row.

What's unique

One book, and it reconciles. Most finance stacks are a system of record plus five exports that drifted. Here, the cockpit, the reports and the workflows all read the same rows — so the number on the board pack is the number in the ledger, with an honest as-of stamp on it.

LAYER 02Opti Brain · Decide

Eleven optimizers. One coherent cash plan.

Beneath the cockpit sit eleven closers across four desks. A closer is not a rule or an alert — it is a constrained optimizer that maximizes or minimizes a stated objective, subject to your treasury's real limits, and writes a decision it can defend.

Config

Tune each closer — objective weights, limits, policy floors — without touching code. The model is a dial you hold, not a black box you inherit.

Closer Workbench

One closer at a time: what it read on the left, what it decided on the right, and the option it ranked and rejected. The answer to “why should I believe this?”

Desk Relations

The desks share finite pools — a facility's headroom, the same day's cash, the buffer floor. This maps where one desk's decision helps or costs the desk beside it.

Runs

The real run history, on each closer's own cadence. “Did not run”, “ran and decided nothing” and “failed” stay three visibly different things.

What's unique

It optimizes, and it shows its work. The decisions come from solvers with objective functions and constraints — deterministic, reproducible, verified — not a language model's best guess. Every figure in the run history is a real execution; not one amount or benefit was typed by hand. And because the desks share pools, Opti Brain reasons about the conflict between decisions — something a stack of single-purpose tools structurally cannot see.

Opti Brain · The decision team

Eleven closers, across four desks.

Hire the closers you need, one at a time. Each owns a class of cash decisions, makes the call under your rules, and hands your people an action they can approve in seconds.

Liquidity Desk

Never miss an obligation, never carry idle cash, always have a defense ready.

The Liquidity Lead

CASH

“I keep your cash where it's needed, when it's needed — and never leave a dollar sitting idle.”

Decisions it makes

Position & sweep cash across accounts, entities, and borders
Set target and minimum balances per account
Structure cash pooling — physical, notional, or hybrid
Flag accounts to consolidate or close

Tracks:idle cash % · days in deficit (target 0) · transfer cost per $ moved · sweep efficiency

Supports:Cash & Liquidity Management · Group Treasurer / Cash Manager

The Payments Lead

PAYMENTS

“I decide who gets paid, how, and in what order — so scarce cash always lands on what matters most.”

Decisions it makes

Sequence the day's payment run by criticality and cutoff
Choose per-obligation action — pay full, partial, installment, or defer
Protect payroll and tax as hard, first-in-line obligations
Generate the supplier note when an action is non-standard

Tracks:% obligations met by tier · late penalties · supplier-relationship score · payable-days impact

Supports:Disbursements / AP Treasury · Payments & Disbursement Manager

The Gap Resolver

GAP

“When the forecast turns red, I cover the gap the cheapest way there is — before it ever becomes a missed payment.”

Decisions it makes

Pick the cheapest, most-reversible source mix to close a shortfall
Set draw amount and order across overdraft, revolver, deposit break, intercompany
Cover today only — or the next N days in one move
Lay out the replenishment plan to restore headroom

Tracks:all-in cost of resolved gap (bps) · time to resolution · covenant headroom · unresolved gaps (target 0)

Supports:Short-Term Liquidity · Treasury / Funding Desk

The Defense Lead

DEFENSE

“When cash gets tight, I know exactly what to defer, trim, or cut — to buy you the most runway with the least damage.”

Decisions it makes

Order the defensive levers — CAPEX defer, project hold, dividend, tax timing
Recommend execute / defer / scale / cancel per discretionary commitment
Set the trigger bands that escalate soft defenses to hard ones
Draft the board, lender, and shareholder communications

Tracks:runway extension · strategic-damage index · time-to-restore deferred commitments

Supports:Liquidity Stress & Runway · CFO / Treasurer

Funding & Banking Desk

Lower the cost of capital and run bank relationships by design.

The Funding Lead

FUNDING

“I raise every new dollar at the lowest all-in cost — right instrument, right currency, right lender.”

Decisions it makes

Choose instrument, currency, tenor, and counterparty for new funding
Pick the currency that creates a natural hedge, not new risk
Shape the draw to protect the maturity ladder and covenants
Weigh every pathway your treasury policy permits

Tracks:cost of new debt vs benchmark · covenant headroom · saving vs the obvious single-instrument default

Supports:Capital Raising · Treasurer / Head of Funding

The Debt Manager

DEBT

“I watch your loan book around the clock and move to refinance, extend, or repay the moment the math says go.”

Decisions it makes

Hold, refinance, extend, reschedule, prepay, or call — per tranche
Time the action to market windows and penalty step-downs
Target covenant resets and pricing-grid amendments
Check rating impact before any structure changes leverage

Tracks:refinancing NPV savings · weighted-avg cost of debt (bps) · maturity-ladder concentration

Supports:Debt Portfolio · Treasury / Capital Markets

The Banking Lead

BANKING

“I decide how much business each bank earns — by value to you, not by who called first.”

Decisions it makes

Set wallet share per bank by service category
Route each transaction type to the lowest-cost provider
Manage concentration — diversify away from over-exposure
Designate primary banks per region and rationalize accounts

Tracks:banking cost % of revenue · concentration index (HHI) · cross-sell credits realized

Supports:Bank Relationships · Treasury / Relationship Management

Working Capital Desk

Release the cash trapped in the operating cycle.

The Collections Lead

RECEIVABLES

“I get your money in faster, customer by customer — without ever scaring off the ones worth keeping.”

Decisions it makes

Pick the per-customer action — collect, escalate, discount, factor, restructure
Price early-pay discounts against each customer's behavior and margin
Adjust credit limits as risk scores move
Protect strategic accounts from blunt collection actions

Tracks:DSO · bad-debt % of revenue · cost of receivables mgmt per $ collected · credit-driven churn

Supports:Receivables / Credit · Credit & Collections Manager

The Payables Lead

PAYABLES

“I stretch what you owe to the smart limit — and never push a supplier into trouble.”

Decisions it makes

Route each supplier — standard pay, SCF, term renegotiation, pre-buy
Time every payment to the best point inside contractual terms
Capture pre-buy savings when the cash-and-carry math wins
Screen supplier health so DPO never breaks the supply chain

Tracks:DPO · SCF utilization · procurement savings captured · supplier-health exposure

Supports:Payables / Supply Chain Finance · AP & SCF Manager

Risk & Return Desk

Contain currency risk on one side, put surplus to work on the other.

The Currency Lead

“I keep currency swings from ever reaching your P&L — hedged to your policy, never to a gamble.”

Decisions it makes

Set the hedge ratio per currency pair and tenor
Net offsetting exposures into natural hedges first
Choose the instrument — spot, forward, NDF, option, layered strip
Time conversions where the flexibility exists

Tracks:FX P&L variance vs policy ceiling · hedge cost % of notional · coverage ratio per pair

Supports:FX Risk · Treasury / Markets

The Investment Lead

YIELD

“I put every idle dollar to work at the best safe yield — and never touch the cash you'll need tomorrow.”

Decisions it makes

Deploy surplus across deposits, MMFs, repo, and intercompany lending
Build deposit ladders matched to the cash forecast
Diversify within counterparty and instrument limits
Structure maturities so a future gap never triggers a break penalty

Tracks:yield vs benchmark · buffer breaches (target 0) · weighted-avg maturity · counterparty concentration

Supports:Short-Term Investment · Treasury / Investment Desk

LAYER 03Opti Autopilot · Act

Opti acts — under contract, never before.

The top layer turns the Brain outward. Describe a real treasury event in plain words; Opti interprets it, re-solves the affected closers as a test run, and hands back a recommendation you review and keep — or, within a signed contract, let it commit.

Scenarios in plain words

“A revolver was cut.” “Rates spiked 150bps.” Describe the event; Opti scopes it to the entity or account, re-solves the affected desks, and quantifies the impact — reasoning visible end to end.

The autonomy dial

Three settings: Advise, Review & approve, and Auto. Auto stays unavailable until you sign a Guardrail Contract — Opti ships inert.

Guardrail Contracts

The written bounds an action must satisfy to commit on its own. Anything that changes state needs a single-use token, minted only inside a contract.

Test-run isolation

Every simulation runs the real solvers against a sandbox and persists as a test run — never silently against the live book. Maker never equals checker.

What's unique

Autonomous, but governed. Opti is grounded in the same deterministic optimizers as the Brain, so its recommendations are reproducible and explainable rather than improvised. And it cannot act until you let it: default-inert, contract-gated, single-use tokens, maker-checker enforced, every step audited. It is the rare autonomous treasury layer you could actually put in front of an auditor.

Your rules, on every decision

You set the guardrails once. Every closer obeys them, every time.

A guarantee a spreadsheet can never give you — the rulebook is built into the math, not bolted on after.

Cash-buffer floor

Never below your same-day reserve, on any account, in any move.

No speculation

Hedging only, never a position — currency risk contained, never gambled.

Concentration limits

Caps the maximum share placed with any one bank or counterparty.

Covenant headroom

Leverage, ICR and minimum-cash covenants respected on every action.

Maker-checker, always

Every state change is approved by a second pair of eyes. Maker never equals checker.

ESG & policy ceilings

The hard ceilings your policy sets — enforced before any action ships.

Why it's different

Six things a dashboard can't do.

It decides, not just displays

Where a dashboard shows a balance and leaves the call to you, a closer returns the ranked action — and the cost of the one it rejected.

Glass-box by construction

Every decision traces to its objective, its constraints and its source rows. There is no “the model said so” — the workbench shows the math.

Real numbers, never typed

Every run and decision is an actual solver execution, reproducible and verified against known-good vectors. Not seeded demo data dressed up as a run.

It sees cross-desk contention

The desks share finite pools, so Opti Brain reasons about the conflict between decisions — a truth no stack of single-purpose tools can see.

It runs at treasury's real speed

Money that must clear today, plans that hold a horizon, structure that reshapes over months. Three cadences at once, not one flattened weekly cycle.

Governed autonomy

Maker-checker, a full audit trail, guardrail contracts and an autonomy dial. Opti acts only within bounds you have signed.

Against the market

Where each category stops — and where OptiCash keeps going.

Capability comparison between spreadsheets, a traditional TMS, a generic AI copilot, and OptiCash.
Capability	Spreadsheets	Traditional TMS	Generic AI copilot	OptiCash
System of record for cash	partial	Yes	No	Yes
Reports & live dashboards	manual	Yes	No	Yes
Decides — constrained optimization	No	No	guesses	Yes
Explains the math (glass-box)	if you built it	No	opaque	Yes
Models cross-desk contention	No	No	No	Yes
Acts — under guardrails	No	rule macros	ungoverned	Yes
Maker-checker & full audit	No	Yes	No	Yes

A TMS is a system of record. A copilot is a system of suggestion. OptiCash is a system of decision — it records, it reports, it decides with the math, and it acts within bounds you sign.

See it in action

OptiCash, end to end.

Where FP&A meets autonomous treasury intelligence.

Get started

See it decide on numbers like yours.

Tell us where your treasury is today. We'll walk you through the three layers on a book that looks like yours — and show you the math behind every call.

A working session, not a slideware pitch
Your constraints, your policy, your guardrails
A straight answer on scope, effort and fit

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Stop deciding your cash in a spreadsheet.

One book. Three layers. Decisions you can put in front of an auditor — on your own numbers, before any integration commitment.

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