Treasury Management Software Development

Treasury management software for cash, authority, and exposure across banks.

We build multi-bank positions, liquidity, forecast, payment-control, debt, investment, intercompany, and FX workflows when a standard treasury platform cannot fit the bank footprint or operating model. The first release usually starts with visibility and reconciliation before any payment instruction or wider risk workflow.

See our work

Bring the problem, the current workflow, or the existing code. We reply with a practical next step within one business day.

The brief

Start with what is not working.

Good software decisions begin with the constraint, not a list of features or a preferred technology.

01

Does treasury open several bank portals and repair yesterday's position before it can make today's decision?

02

Are payment authority, liquidity, debt, intercompany, or FX exposures tracked in separate files with no common cut-off?

Plain answer

Treasury management software consolidates bank positions and supports liquidity, cash forecasting, payment controls, debt, investments, intercompany balances, and FX exposure. RaftLabs builds it when standard platforms cannot fit a material bank, authority, or risk workflow. A visibility-first release starts at $45,000 and usually takes 14 to 20 weeks.

Treasury had seven bank balances. It did not have one cash position.

The newest statement used yesterday's cut-off, one account sat in another entity, and an FX transfer appeared in two files with different values. The portals were correct on their own. The decision failed between them.

Focused delivery baseline

starting visibility release
$45K
A bounded bank and account set
typical focused timeline
14-20 weeks
Includes connectivity proof and parallel run
initial control boundary
Read first
Payment instruction follows separate acceptance

RaftLabs does not currently publish a named treasury-management outcome case. These figures describe delivery scope, not a promise of cash savings, connectivity, payment security, or forecast accuracy. The first release should measure position differences, missing or late feeds, manual adjustments, unmatched transactions, preparation time, access exceptions, and accepted reconciliation.

Build custom treasury software when the bank footprint or authority model cannot fit a standard platform.

Start with visibility and reconciliation. Do not make payment instruction the first proof that the data is right.

A fit
01

Cash, transactions, debt, intercompany, or FX information must be reconciled across several banks, entities, or currencies.

02

A material connectivity, authority, liquidity, exposure, or reporting workflow cannot fit a standard treasury product.

03

Treasury, finance, security, banking, and audit owners can approve sources, access, controls, and acceptance.

Not a fit
01

A standard treasury platform can meet the bank, payment, risk, reporting, and support needs.

02

The immediate need is only a bounded cash forecast or wider budget and operating plan.

03

Bank access, payment authority, source cutoffs, reconciliation, or incident ownership remain unresolved.

Choose the right cash and planning route

NeedBest fitBoundary
Consolidate banks and control liquidity, payments, debt, and FXTreasury managementPositions, connectivity, authority, exposure, settlement, and audit
Forecast near-term receipts, payments, and balancesCash flow forecastingCash events, timing, assumptions, scenarios, and variance
Plan revenue, cost, headcount, capital, and management outcomesFP&A softwareDrivers, budgets, scenarios, actuals, and reporting
Record cash transactions, journals, balances, and closeERP or accounting systemAuthoritative financial transactions and ledger

Scope

What belongs in a visibility-first treasury release

  • 01

    Bank, account, and entity model

    Map banks, accounts, entities, owners, currencies, purposes, availability, restrictions, cutoffs, identifiers, and effective changes without losing historical context.
  • 02

    Cash position and reconciliation

    Load balances and transactions through approved routes, normalise timestamps and currency, prevent duplicates, explain differences, and preserve the accepted position for each cut-off.
  • 03

    Liquidity and forecast view

    Combine current cash with approved near-term events, facilities, minimum balances, restricted cash, scenarios, and thresholds while keeping assumptions separate from facts.
  • 04

    Exposure and obligation tracking

    Show approved debt, investment, intercompany, currency, interest, maturity, covenant, and counterparty data at the level treasury needs to act.
  • 05

    Authority, alerts, and audit

    Limit account access, route approvals, record overrides, flag missing data or threshold breaches, and keep the record behind each amended position.

How it works

From bank footprint to controlled treasury position

  1. Phase 1
    01

    Define accounts, decisions, and authority

    Map banks, accounts, entities, currencies, cutoffs, positions, forecasts, payments, debt, investments, FX, intercompany, reports, owners, and acceptance.

  2. Phase 2
    02

    Prove connectivity and reconciliation

    Verify approved APIs, statements, aggregators, identifiers, balances, transactions, timestamps, access, security, retention, and accepted prior positions.

  3. Phase 3
    03

    Build the visibility-first treasury layer

    Create positions, reconciliation, liquidity views, forecast inputs, exposures, limits, approvals, alerts, reporting, audit, and exception handling.

  4. Phase 4
    04

    Parallel-run and extend safely

    Compare with approved bank and treasury records, resolve differences, test access and failures, train owners, then assess payment instruction separately.

Risk

What the treasury specification must settle

Connectivity coverage
Verify every bank, account, data type, permission, refresh point, cut-off, authentication path, fallback, and support owner.
Payment authority
Separate preparation, approval, signing, transmission, bank execution, confirmation, reconciliation, and incident response.
Currency and time
Approve valuation sources, timestamps, time zones, holidays, value dates, rounding, translation, and the cut-off used for each position.
Availability and recovery
Define missing feeds, stale data, duplicate transactions, bank outages, rejected instructions, rollback, continuity, and manual operation.

Scope and price

A visibility-first treasury release starts at $45,000.

Begin with a bounded bank and account set, positions, reconciliation, liquidity views, access, alerts, reporting, and audit.

A broader treasury platform can grow toward $70,000 to $130,000; payment instruction follows separate security and control acceptance.

Starting investment

Starts at $45,000

A focused release usually takes 14 to 20 weeks. More banks, entities, currencies, payment paths, debt, investments, intercompany, or FX workflows extend the plan.

Visibility before movement

The first release proves positions, transactions, cutoffs, and reconciliation before any payment instruction is considered.

Authority stays separated

Preparation, approval, signing, execution, confirmation, and reconciliation remain distinct responsibilities.

Related finance software services

Common questions

Treasury management software consolidates cash positions across banks and supports liquidity decisions, forecasts, payment controls, debt, investments, intercompany balances, FX exposure, limits, reporting, and audit. The exact scope varies widely, so a first release should name the treasury decisions it will support.

Cash flow forecasting estimates future receipts, payments, and balances over a defined horizon. Treasury software also owns the current multi-bank position and may govern liquidity, payment authority, debt, investments, intercompany funding, FX exposure, counterparties, and settlement. A focused forecast can feed treasury without becoming the whole platform.

Yes, where a bank, approved aggregator, host-to-host channel, or statement route is available and permitted. Each connection needs its own coverage, authentication, consent, format, timing, limits, error handling, and support owner. A claim of universal bank connectivity is not credible without verifying the actual footprint.

It can prepare and transmit approved instructions through supported bank or payment interfaces, but the bank remains the executing institution. Payment scope needs separation of duties, dual or policy-based approval, limits, signing, fraud controls, confirmation, reconciliation, incident response, and a visibility-first proof before money moves.

A visibility-first release starts at $45,000 and usually takes 14 to 20 weeks. It covers a bounded bank and account set, positions, transactions, reconciliation, forecast inputs, access, alerts, reporting, audit, parallel run, and handover. Payments, more banks, debt, investments, FX, or complex intercompany work increase scope.

Work with us

Bring the cash position treasury rebuilds from bank portals.

Share the banks, accounts, entities, currencies, cutoffs, reports, forecast, authority, payments, debt, FX, exceptions, and accepted prior position. We will define a visibility-first release.

  • Scope and cost agreed before work starts. No surprises. No obligation.
  • Working prototype within 3 weeks of kickoff.
  • Pay by milestone. You see progress before each invoice.
  • 60-day post-launch warranty. Bug fixes, UI tweaks, and deployment support. No retainer.
  • All conversations are NDA-protected.