Finance · Module
Treasury & Cash
Cash position, a 13-week forecast and liquidity alerts across every bank and entity
Treasury & Cash is a planned W4 add-on that shows daily cash across banks and entities and builds a 13-week forecast from receivables, payables, payroll and taxes. It proposes actions; it never moves funds on its own.
Knowing your cash
Founders and CFOs often cannot see cash for the next quarter. Treasury & Cash, planned for Year 3 (W4), keeps a register of every bank account across entities with signatories (as a record), purpose, overdraft or cash-credit limits and status. Daily balances come from bank feeds, Account Aggregator or imported statements, each with a freshness indicator, and roll up by entity, bank and currency.
A 13-week forecast from real records
Because receivables, payables, payroll and taxes already live in One3, the forecast is built from them rather than typed in. Receipts come from open receivables with predicted pay dates, subscriptions and mandates. Payments come from payables due, payroll runs and tax liabilities. Each week's forecast is snapshotted, and actual-versus-forecast accuracy is tracked by category, so you can see how good the forecast has been.
Liquidity alerts fire when a minimum cash threshold per entity or account is projected to be breached, with the drivers shown. When a shortfall is projected, the module proposes which payables to defer within vendor terms, which collections to focus on and which sweeps to make; statutory dues are never proposed for deferral. Inter-account sweeps and transfers are only proposals: execution goes through the bank with R4 approval.
Exposure and instruments
At GA the module adds an FX exposure register of foreign-currency receivables, payables and balances by currency and maturity; a hedge register for forwards obtained from banks (record only, verify); and a register of deposits and permitted instruments with maturity and interest accrual (verify). Borrowings with covenant monitoring, bank guarantees and letters of credit, and direct host-to-host bank connectivity are planned later (W5).
The Treasury & Cash Analyst Digital Employee refreshes the forecast weekly, writes variance commentary, flags idle cash and unexpected large debits, and prepares proposals. It never moves funds.
Features
What Treasury & Cash includes
Bank account register
Every bank account across entities with signatories recorded, purpose, OD/CC limits and status.
Cash position
Daily balances from feeds, Account Aggregator or statements with freshness indicators, by entity, bank and currency.
13-week cash forecast
Receipts from AR with predicted pay dates, subscriptions and mandates; payments from AP, payroll and taxes.
Forecast versions and accuracy
Weekly snapshots with actual-versus-forecast tracking by category.
Liquidity alerts
Minimum cash thresholds per entity or account, with projected-breach alerts and their drivers.
Payment prioritisation proposals
On projected shortfall, proposes payables to defer within vendor terms, never statutory dues.
Sweeps and transfers proposals
Proposed inter-account transfers to meet thresholds; execution only via the bank with R4 approval.
FX exposure register
Foreign-currency receivables, payables and balances by currency and maturity.
Hedge register
Record of forward contracts and other hedges from banks, with maturity alerts (verify).
Deposits and investments register
Fixed deposits and permitted instruments with maturity and interest accrual (verify).
Borrowings and covenants
Planned later: loan register, repayment schedules and covenant monitoring from actuals.
Workflow
Weekly cash review
- 1
Balances refresh from banks with freshness shown.
- 2
The analyst agent refreshes the 13-week forecast.
- 3
Accuracy against last week's forecast is computed.
- 4
Commentary is drafted for the CFO.
- 5
Projected breaches raise alerts with drivers.
Workflow
Handling a projected shortfall
- 1
A threshold breach is projected.
- 2
The module proposes payable deferrals within terms, a collections focus list and sweeps.
- 3
The CFO reviews the proposal.
- 4
Any transfer or payment runs through the bank with R4 approval.
AI
AI skills and Digital Employees
Receipt timing forecast
Predicts receipt timing from AR predictions and mandate schedules; aggregation stays deterministic.
Forecast commentary
Weekly commentary and accuracy review drafted for the CFO.
Shortfall proposals
Proposes deferrals, focus lists and sweeps; never statutory dues; execution is human.
Idle cash and large debit flags
Advisory alerts on unexpected large debits and idle balances.
Digital Employees that use this module
They act through the same governed Actions as people; risky steps wait for approval.
Frequently asked questions
When is Treasury & Cash planned?
Year 3 (W4), as an add-on.
Can it move money between accounts?
No. It proposes sweeps and transfers; execution goes through your bank with R4 human approval.
Where does the forecast come from?
From records already in One3: receivables with predicted pay dates, subscriptions, mandates, payables, payroll and taxes.
Can I see how accurate the forecast is?
Yes. Weekly snapshots are compared with actuals by category.
See Treasury & Cash in your workflow
Tell us about your team and the outcomes you want. We will walk you through the apps, the Digital Employees and the plan for your industry.