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Treasury management
CFOs, group treasurers, and shared-service centres — one pane of glass, fewer spreadsheets, safer pay-runs.
Treasury still fights fragmented bank portals, overnight files, and manual matching. Where corporate account-access agreements exist, StixBNK streams positions and transactions, feeds reconciliation engines, and can initiate batched supplier payments with references that map cleanly to your ERP.
Use case 1
Real-time cash visibility
Objective
Replace end-of-day SWIFT / host reports with continuous balances across operating, payroll, and tax accounts — normalised into your TMS or data warehouse.
Flow
- Corporate admin connects each entity’s banks through governed consent.
- StixBNK syncs balances and intraday movements.
- FX and notional pooling logic applied in your treasury layer.
- Dashboards show global cash headroom and trapped cash alerts.
Impact
DecisionsFund sweeps and investments on live data
RiskEarlier visibility into account anomalies
Use case 2
Automated reconciliation
Bank lines arrive faster than AP can match them. Pair structured transaction data from StixBNK with your open payables: rule-based matching first, ML assist for noisy merchants, exceptions queued for humans.
Techniques
- Reference, amount, and date tolerances
- Fuzzy vendor name clustering
- Learning from accountant overrides
Impact
↓ ~80%Manual matching effort in pilot programmes
CloseFaster month-end when bank clears early
Use case 3
Automated supplier payments
Upload approved invoice batches, run dual approval inside your ERP, then let StixBNK fan out SEPA or instant payments with unique end-to-end IDs — each line traceable in the webhook stream.
Flow
- AP exports validated invoice file or API payload.
- Treasury signs release in your workflow tool.
- StixBNK executes the payment batch with split references.
- Status files / webhooks update ERP and vendor portal.
Impact
TimeHours of wire prep → minutes orchestrated
ErrorsFewer mis-keyed IBANs vs. manual entry
