Hands-Free Treasury Automation
Treasury management software the practice runs across every client without an enterprise TMS rollout.
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Let AI Agent run your treasury
One prompt. Multiple tools. Real outcomes.
Update daily cash
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.
Trusted by the world's best
“Each customer request used to take 4 hours of manual work across 3 different systems. Now with Minded over 80% of payment requests take less than 10 minutes and our VIP customers have never been happier.”
“We serve 40% more clients per bookkeeper with no new hires. AI files the tax forms and drafts the documentation. Each bookkeeper gets 12 hours a week back for review and advisory work.”
“We dropped Excel sheets and finance emails for automating payments and invoices for 50K restaurants. AI worked on top of SAP without migration.”
Integrate with your existing software
Seamlessly integrate treasury automation workflows with your existing tools, ERP, and communication channels.
Benefits
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 u
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
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
Activate your tools without APIs
Forget about asking your CTO to shift priorities, let your agents operate like your humans do and deliver real value to your customers from day 1.