See your liquidity
Understand book balances, holds, available cash and projected positions across entities and currencies. Check sources and timestamps before acting.
TREASURY AI
Know the position.
Prepare for what comes next.
Treasury intelligence and decision support, grounded in observed bank and stablecoin positions.
Discuss your use caseA CONTINUOUS OPERATING CYCLE
Money moves around the clock.
Your decisions need context.
Bring cash, obligations and forecasts together so your team can respond to funding needs with a clearer picture.
STM’s treasury capabilities connect book, available and projected positions with liquidity forecasts, stress scenarios and controlled recommendations.
Treasury overviewILLUSTRATIVE DATA
Available liquidity · USD$2.48mBank + stablecoin positions
Projected liquidityNext 7 days
TodayDay 3Day 5Day 7
Plan before a funding gap.Forecasts inform decisions. Your team stays in control.
FOUR CONNECTED TASKS
From visibility to an informed action.
Anticipate funding needs
Explore liquidity forecasts, uncertainty ranges and possible shortfalls. Historical patterns inform the forecast; they do not guarantee future cash flows.
Evaluate your options
Test stress scenarios, compare allocation suggestions and review concentration, intraday liquidity and liquidity coverage views.
Keep decisions controlled
Bring a recommendation into a draft transfer. Apply checks, mandates and customer approvals before the chosen bank or custodian executes.
ILLUSTRATIVE SCENARIOS
Three scenarios. A clearer view of liquidity.
Compare how payment timing and expected receipts change the projected cash position. These examples use illustrative arithmetic, not an STM forecast or financial recommendation.
ILLUSTRATIVE USD VALUES
One starting position
- Available today
- $500,000
- Operating buffer
- $200,000
Each scenario starts with the same available cash. Add expected receipts and subtract upcoming obligations to see the projected balance against the buffer.
Planned payment schedule
Expected receipts of $150,000 and upcoming obligations of $200,000 leave a projected balance of $450,000.
$250,000 above the operating buffer.
Supplier payment brought forward
Expected receipts remain $150,000 while upcoming obligations rise to $500,000, leaving a projected balance of $150,000.
$50,000 below the operating buffer. Review payment timing and funding options.
Expected receipt delayed
With no receipts in the period and upcoming obligations of $200,000, the projected balance is $300,000.
$100,000 above the operating buffer. Confirm the timing of the delayed receipt.
INTELLIGENCE WITH OVERSIGHT
Recommendations lead
to reviewed decisions.
Forecasting and scenario analysis support the treasury team. Allocation suggestions follow the same drafting, approval and external-execution controls as other instructions.
Available capabilities include statistical forecasting and treasury analytics. A conversational treasury assistant is a planned evolution.
Illustrations on this page use synthetic data. Source freshness, model assumptions and deployment configuration affect the insights available.
Your funds. Your authority. Your organisation and its chosen banks and custodians retain the accounts, keys and execution. STM coordinates, observes and reconciles.
THE NEXT CONVERSATION
Let’s put real-time finance
to work for you.
Start with a workflow. Explore what changes with STM.