New · Treasury Risk Analyzer

Can your company safely make this payment today?

Treasury Risk Analyzer answers the question finance teams and AI agents ask before money moves, with a clear verdict, PAY, REVIEW or DO NOT PAY, backed by a cash forecast, FX exposure and treasury risk.

Deterministic calculationsExplainable verdictsAPI & MCPDecision support only
See the live demo →Start a pilot

How it answers

The same EUR 750,000 invoice. Three treasuries.

The live demo checks one supplier invoice against three cash situations. Each verdict is computed on the spot by the engine, the same one AI agents call through the API.

PAY

Comfortable treasury

Cash stays well above the minimum buffer for the whole month after the payment.

REVIEW

Tight treasury

Cash stays positive but dips below the buffer around payroll. A human should look before paying.

DO NOT PAY

Insufficient treasury

Paying today would push cash below zero before the end of the month.

Open the live demo

Four services, one engine

What it calculates

Payment decision

“Can we safely make this payment today?”

PAY, REVIEW or DO NOT PAY for a given invoice, with the lowest projected cash, the FX impact and the reasons behind the verdict.

Liquidity forecast

“Will we keep enough cash over the coming weeks?”

Day-by-day cash projection, lowest point and date, buffer breach, HEALTHY / WARNING / CRITICAL status, optional DSO, DPO and DIO.

FX exposure

“How exposed are we to currency movements?”

Gross and net exposure by currency, natural hedges, impact of an adverse move and which currency to hedge first.

Treasury risk

“How risky are the assets our treasury holds?”

Volatility, Value at Risk, Expected Shortfall, concentration by asset, currency and sector, and stress scenarios.

Read the plain-language documentation

Who it is for

Built for the people who release payments

Finance software vendors

Accounts payable, accounts receivable, treasury or accounting platforms that want a payment-decision feature for their customers, via API or white label.

Finance teams building AI agents

Controllers and CFO offices whose agents prepare or release payments and need a reliable, explainable check before money moves.

SMEs with tight cash or FX exposure

Companies paying many suppliers, in several currencies, that want to know before paying whether the buffer will hold.

Why finance teams can rely on it

Calculated, not generated.

Deterministic

Standard treasury and risk formulas, applied the same way every time. No language model produces a number.

Explainable

Every verdict ships with the figures behind it, the methodology, warnings and limitations, in structured form.

In your control

Decision support only: it never moves money and never connects to payment tools.

FAQ

Common questions

No. Treasury Risk Analyzer is decision support only. It never connects to payment tools and never moves money: your team or your agent decides and executes.
No. Every figure is computed by a deterministic engine: same input, same answer, every time. Each response includes the methodology, warnings and limitations, so it can be checked or audited. An AI agent can then interpret the result.
Any software or AI agent that can send its data through an API (or MCP, for AI agents) can use it. A read-only Qonto connection is in pilot; other connections (Pennylane, Agicap and others) are built on request.
Figures are used for the calculation and are not stored. The bank connection is read-only and can be removed at any time.
With a 4-week pilot on one real use case, for example checking every validated supplier invoice before payment, with a success criterion agreed at kickoff. Companies and software vendors are invoiced in EUR by Kyootek.

See it on your own payments.

A 4-week pilot on one real use case, with a success criterion agreed up front.

Start a pilot →See the live demo