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Deployment flexibility Security Market-driven innovationPayments & liquidity management
Payments and liquidity are the heartbeat of business banking, and the fastest lever you have for fee income, balance growth and wallet share. TreasurUp gives your transaction banking business one composable module that puts payments and liquidity in front of every client, so the next term deposit or credit line conversation starts itself.
Trusted by leading institutions including
The challenge
Payments and liquidity are your two highest-frequency products, and several gaps between them quietly limit the fee income and wallet share you could be capturing.
What TreasurUp gives the bank
A composable payments and liquidity module that plugs into your bank's existing business channel, giving your transaction banking business the capabilities to compete on cash management without a multi-year build. Every part is embedded under your brand, so it reads as your own transaction banking offering.
Payments
Liquidity visibility
Forecasting
The agentic block
Payments initiation, liquidity visibility, target balancing and manually built forecasts all run on rules-based logic and client input alone. A bank can adopt the module without switching on any AI at all. The agent is what a bank adds when it wants the forecast and the resulting recommendations generated automatically.
Value to the bank
A projected surplus, shortfall or recurring receivable becomes a term deposit, credit line or FX hedging conversation, triggered by the client's actual cash position rather than a quarterly campaign list.
Target balancing and consolidated visibility give clients a reason to hold and route more cash through your bank. Multi-bank connectivity makes your bank the client's primary view of its finances, even for accounts held elsewhere.
SMB and mid-corp clients become servable at advisory quality without growing RM headcount in proportion, and switching cost rises once a client's forecasts and scenarios live inside your channel.
The module is already running in production at other banks, so you embed a proven capability against this year's roadmap rather than specifying target balancing and forecasting from a blank page.
Because TreasurUp works only with banks, every improvement made for one bank's module benefits the shared capability your bank draws on next, without your team carrying the maintenance burden.
Reliable, compliant and secure by design, with DORA, MiFID II and GDPR treated as design constraints from the architecture phase, not a retrofit for your compliance function.
Proof
8.9/10
TreasurUp Bank Satisfaction Survey, 2025.
9+
Including Nordea, Handelsbanken, Rabobank, KBC, OP, LBBW and Sparkassen.
2016
ISO 27001 certified, running at over 99.95% uptime.
How it works, where it sits
Payments and Liquidity Management is delivered as a component of TreasurUp's composable platform, embedded into your bank's existing channel shell so it ships against your roadmap instead of running as a separate product.
Business banking clients
SMBs, mid-corps and large businesses managing payments and liquidity
Engagement layer
Business banking portal · Bank's mobile app · Embedded touchpoints via ERP and accounting marketplaces
Orchestration & capability layer
Cash flow forecasting · Liquidity rules engine · Target balancing and sweep logic
Integration layer
Connectivity with core banking and payment rails (SEPA, SWIFT), and the client's ERP and accounting systems (SAP, Oracle, Exact)
Core banking
Bank's core ledger
Payment rails
SEPA · SWIFT
Client ERP systems
SAP · Oracle
Client accounting systems
Exact · other systems
A typical rollout runs through TreasurUp's standard four phases: discovery and fit, architecture and foundations, first capability live, then federated delivery where the module ships alongside your bank's own bespoke features under one shared backlog. Most teams start with payments initiation and liquidity visibility, then add forecasting and scenario planning once the first module is proving value. This module connects directly to TreasurUp's Foreign Exchange solution, since a forecast that surfaces a multi-currency receivable is also the moment an FX hedging conversation becomes relevant, and to Front-office Sales Support via Client Pulse, since the recommendations this module surfaces are what a relationship manager acts on.
FAQ
It turns each client's own cash position into a dated, specific cross-sell trigger for your RMs, and gives clients a reason to consolidate more cash and payment activity with your bank. A sustained surplus flags a term deposit conversation, a projected shortfall flags a credit line, and a multi-currency receivable flags an FX hedge, each generated from the client's real forecast rather than a campaign list. Target balancing and consolidated visibility give the client a functional reason to route more balances through your accounts.
Because AI-generated forecasting, target balancing, other-systems connectivity and cross-sell logic tied to a live cash position are already built and running in production at other banks, buying converts a multi-year build into a delivery your team can plan against this year. Your engineering effort goes into your bank's differentiated capabilities under the same federated model, while TreasurUp owns and maintains the parts common across banks. You keep the channel, the brand and the client relationship throughout.
It sits inside your existing channel as a composable module, not a separate product with its own login, so it extends your current offering rather than replacing it. It connects to your existing core banking and payment rails and to the client's ERP and accounting systems, and surfaces cross-sell opportunities against products you likely already sell. The module fills the forecasting, target balancing and consolidated-visibility gaps most suites don't cover today.
Most engagements begin with a discovery and fit phase of two to four weeks: workshops, a channel audit, and capability mapping against your product suite and roadmap. Banks typically bring payments initiation or liquidity visibility live first, since it proves the architecture fastest. Cash flow forecasting and the cross-sell recommendations layer on top once that foundation is live, with the build risk already retired before your team starts.
Your bank keeps regulatory ownership throughout. TreasurUp designs, builds and operates with DORA, MiFID II and GDPR treated as constraints from the architecture phase, and as an ICT third-party provider to the bank under DORA, delivers to that contractual obligation directly. Your compliance and risk teams set the requirement, and TreasurUp delivers to it, rather than the module arriving as a retrofit to reverse-engineer.
It's built to grow the pie. The recommendations it surfaces, term deposits, credit lines, FX hedges, point RMs toward products your bank already prices and sells, generated at the moment a client's cash position supports the conversation, so it increases conversion and frequency rather than introducing a competing product. The stickiness effect, a higher switching cost once a client's cash flow runs through your channel, also protects the balances and fee income you already hold.
Book a business case session and leave with a mapped view of your current payments and liquidity setup, the fee income and balance opportunity specific to your client base, and a first-milestone delivery plan.