Cash moves fast. Now you can, too.
AI-native cash intelligence
Cash4 powers AI-driven liquidity intelligence to analyze balances, cash flows, and forecasts, surfacing risks and opportunities early so treasury can make faster, smarter liquidity decisions.
Positioning
Forecasting
Cash Flow
Real-Time Data
Cash positioning
Treasury4 offers a 360-degree real-time view of total global liquidity by automating the ingress of data from banks and investment portals.
- Comprehensive Liquidity Views: Aggregate balances across DDAs, time deposits, money market funds, and fixed-income securities in one view.
- Target Balance Management: Set and monitor account-level thresholds to manage surplus and deficit positions across entities and currencies.
- In-Day Visibility: API and Swift connectivity automatically pull prior- and current-day statements from global banks.
- Manual Adjustments: Add expected transactions or adjustments to reflect a complete daily position.
- Structured Liquidity Integrations: Automated connections to Intrafi (ICS/CDARS) and ICD provide visibility into principal, accrued interest, and FDIC allocations.
Cash forecasting
The platform moves beyond manual spreadsheets by utilizing machine learning (ML) and AI-driven modeling to predict future cash flows.
- Machine Learning (ML) Predictions: T4 uses ML models trained exclusively on a customer's dedicated historical data (via a single-tenant architecture) to forecast recurring patterns.
- Scenario Planning: Users can compare manual forecasts, T4 predictions, and historical actuals within interactive dashboards to assess forecast reliability and performance.
- Training Transactions: A unique feature allows users to export data to an internal, private LLM (Chat GPT) to apply complex logic or "asks" (e.g., "increase accounts receivable for three weeks") and re-import the resulting model into the forecast.
Direct cash flow
Generating a direct cash flow statement should not require a weekend in Excel. Cash4 builds your reports from the transaction level, bridging the gap between your bank data and your ERP.
- Direct Cash Flow Generation: Build direct cash flow statements from transaction-level data, eliminating manual Excel reconciliations.
- AI-Driven Variance Analysis: Detect seasonality and hidden trends by flagging deviations from historical cash patterns.
- Forecast vs. Actual Comparison: Compare real-time bank activity against rolling forecasts to identify liquidity gaps or surpluses early.
- Advanced Analytics: Leverage clean, structured data for modeling and stakeholder-ready reporting within the platform.
Cash reporting & analytics
Turn transaction-level data into clear, executive-ready liquidity insight. Cash4 transforms bank activity, forecasts, and entity data into structured reports that support faster decisions and stronger governance.
- Real-Time Liquidity Dashboards: Monitor balances, flows, and trends across entities, banks, and regions in one consolidated view.
- Variance & Trend Analysis: Use AI-driven analytics to detect seasonality, anomalies, and deviations from historical patterns.
- Drill-Down Transparency: Move from summary metrics to individual transactions with full traceability.
- Standardized Global Reporting: Ensure consistent classification and reporting logic across all banks and entities.
- BI-Ready Data: Access clean, structured data through embedded Snowflake infrastructure and built-in Sigma analytics.
AI-native cash intelligence
Cash4 powers AI-driven liquidity intelligence to analyze balances, cash flows, and forecasts, surfacing risks and opportunities early so treasury can make faster, smarter liquidity decisions.
Data isolation that reduces risk
Every client runs on a dedicated Snowflake environment, ensuring your treasury data is fully isolated, secure, and never co-mingled.
Embedded Sigma analytics sit directly on your dedicated Snowflake instance, delivering real-time dashboards and advanced modeling out of the box—no integrations, no BI lift, no delays.
Cash4 vs. legacy systems
Legacy treasury management systems (TMS) were built for a "batch" world, relying on manual uploads and overnight processing. Cash4 operates in real-time, replacing static data with a live, automated ecosystem.
Cash4
Legacy Systems
AI-assisted categorization applies configurable rules and pattern recognition to improve classification accuracy over time.
Manual tagging and spreadsheet logic required each reporting cycle.
API-first and host-to-host integrations pull near real-time balances and transactions from banks, ERPs, and investment platforms.
Manual CSV/BAI2 uploads require logging into multiple portals and managing inconsistent formats.
Automated dashboards consolidate balances across entities and currencies.
Daily balance gathering, FX updates, and spreadsheet validation consume valuable time.
Normalized account data linked to legal entities via Entity4 integration for structured visibility.
Accounts sit in disconnected systems with no reliable entity mapping.
Rolling liquidity forecasts combine real-time actuals and historical trends to surface gaps early.
Static models rely on stale data and manual assumptions.
System-generated audit logs and FBAR/SOX-ready reporting eliminate manual work during compliance reviews.
Audit prep requires chasing statements, emails, and spreadsheet versions.
Automated variance detection and variance tracking surface unexpected cash movements earlier.
Discrepancies often appear only during month-end reconciliation.
Accurate, audit-ready reports with Analytics Studio, powered by Sigma and built on cash data structured in Treasury4.
Finance must clean and restructure data before it’s usable.
If you want to stop reacting to cash crunches and start preventing them, read "Predictive Cash Forecasting: Why It's Worth the Switch—And How to Get CFO Buy-In" for the ROI argument your CFO needs to hear.
Go live in 5 weeks, from kickoff to full cash visibility
Cash4 goes live in just 5 weeks. From bank integrations and data validation to rule configuration and team training, we guide you from onboarding to fully operational dashboards.
Spend less time gathering data and more time using it
See how Cash4 automates your morning position, cash flow statements, and compliance reporting so you can focus on optimizing liquidity instead of chasing numbers.
FAQs
