Treasury management software the practice runs across every client without an enterprise TMS rollout.
Let AI Agent run your treasury
Update daily cash
"Update this morning's cash position for this client in Xero. Pull bank balances from every account the client uses through the configured open-banking provider, add expected receipts from the sales ledger that should hit today, deduct the day's scheduled payments and reflect facility headroom. Compute the prior-day variance and flag clients whose position has moved more than the agreed threshold. If a forecast receipt did not land overnight, ask me whether to chase the customer or to roll the receipt to the next day. Pause before publishing a position that breaches a covenant. Ask me where the practice files the daily cash policy. Save a note for the practice manager listing positions, variances and risk flags."
Monitor facilities
"Monitor facility utilisation across the practice's client book in QuickBooks. For each client, track overdraft against the agreed limit, invoice finance drawdown against the funded balance and any other revolving facility. Compare against covenant tests and concentration limits the practice has on file. Flag clients within the agreed buffer of a limit, a covenant or a concentration cap. If a facility is approaching renewal or repricing, ask me whether to prepare the renewal pack or to wait. Pause before flagging a covenant breach to the partner. Ask me where the practice keeps the facility documents. Save the facility tracker and the renewal calendar to Google Drive ready for the senior."
Watch FX exposure
"Watch FX exposure for this client in Sage 50. Maintain a per-currency net position from open receivables, open payables, scheduled receipts and any committed FX contract the practice has on file. Compute the unrealised gain or loss at the published rate and the cash impact if today's rate held. Where the net exposure moves outside the client's policy band, prepare a hedge proposal for senior review with the cost of hedging clearly stated. If a position needs an interim hedge before the senior can review, ask me whether to draft instructions or to wait. Pause before acting on any hedge. Save a note for the practice manager listing positions, unrealised P&L and any client at policy boundary."
Deploy surplus
"Recommend surplus cash deployment for this client in FreeAgent at the start of the period. Apply the practice's deployment policy: minimum operating buffer, deposit account ladder by maturity and any specific instrument the client has approved. Compute the surplus above the buffer and surface deployment options with the expected return, the term, the early-break terms and the counterparty risk profile. If the client's surplus exceeds the FSCS protection limit on a single counterparty, ask me whether to split across providers. Pause before any deployment instruction. Save a note for the practice manager listing recommendations, returns and items awaiting senior decision."
Up to 80% lower cost to serve per group
Cash sweeps, FX exposure, intercompany funding and short-term forecast refresh stop landing on senior time per group. The AI Agents repeat the treasury motion across every entity, which is where the up to 80% lower cost to serve per group comes from, with the partner reviewing limit breaches and judgement.
Treasury that learns each client's facility set and FX profile
Treasury is mostly per-client memory. Minded carries each client's bank accounts, facility limits, covenant tests, FX policy band and approved deployment instruments. The next daily position lands on the maintained framework. Tie this to cash flow forecasting with AI so the 13-week view and the daily position share assumptions.
One treasury flow across Xero, QuickBooks, Sage 50 and FreeAgent
A real practice runs treasury for clients on Xero, QuickBooks, Sage 50 and FreeAgent at the same time. The same daily-cash, facility, FX and deployment motion runs natively in every ledger. See bank reconciliation with AI and vendor payments with AI for adjacent work.
How is this different from Kyriba, GTreasury or enterprise TMS?
Kyriba and GTreasury are enterprise treasury management systems built for global corporates with hundreds of accounts and complex hedging. Minded sits at the practice level for owner-managed clients with a handful of accounts and a few facilities, running the same daily-cash and facility motion without the enterprise rollout cost.
How does the agent calculate the daily cash position?
Each morning the agent pulls bank balances across every account the client uses, adds expected receipts from the sales ledger, deducts the day's scheduled payments and reflects facility headroom. The position is published to the agreed channel with the prior-day variance and any risk flags.
Can the agent monitor overdraft and invoice finance utilisation?
Yes. The agent tracks overdraft utilisation against the agreed facility limit, invoice finance drawdown against the funded balance and any other revolving facility. Approaching covenants and concentration limits trigger a flag for the senior with the supporting working paper.
How is FX exposure handled across receipt and payment currencies?
The agent maintains a per-currency net position from open receivables, open payables and any committed FX contracts. Where the net exposure moves outside the client's policy band, the agent flags the position and proposes a hedge for senior review rather than acting on it.
What does the agent recommend for surplus cash deployment?
Surplus cash deployment follows the practice's policy: minimum operating buffer, deposit account ladder and any specific instrument the client has approved. The agent surfaces options and the expected return; the actual deployment decision stays with the senior or the named signatory at the client.