One platform for cash, payments, forecasting and more. Built for modern finance teams that move fast and operate at scale.
A CFO’s morning routine: coffee and 
Group-wide cash visibility, cash flow forecasting, pooling and intercompany funding. Available cash is net of blocked and pledged amounts; balances arrive intraday from open banking services. Every figure carries its source and the assumption behind it.
DetailsLoan and deposit portfolio with repayment schedule generation — annuity, equal principal, bullet, grace period. Principal, interest, banking tax and commission in separate columns. Sensitivity range on floating rates. Credit limits split cash and non-cash. Bank guarantee and letter of credit portfolio. Intercompany loans, pooling and sweep.
DetailsGross exposure by currency, hedged portion and net open position. Derivative contracts and their valuation source. Bank concentration, counterparty and open position limits. Covenant tracking with four distinct states — passed, breached, could not be tested, inconclusive. Financial ratios and the cash conversion cycle.
DetailsAutomatic categorisation of bank transactions through a rule engine, with counterparty resolution. Matching of bank transactions to ledger entries, each with a confidence score. Chart of accounts mapping, cost accounting method split, financial statement derivation.
DetailsMaturity ladder and a 90-day due-date calendar. Discount simulator: effective cost broken down by rate, day count, value date, banking tax and commission. Cheques pledged or discounted are tracked separately — in the portfolio but not liquid. Bounced cheque tracking, endorsement, due-date rolling for holidays.
DetailsInstructions from four sources: manual entry, planned cash flow, loan instalments and payables coming due. Multi-signature approval by amount band, with segregation of duties. The same item cannot enter two batches. Bank-format file generation and bank responses tracked per instruction.
DetailsA value that cannot be calculated stays empty and says why. A figure calculated on an assumption carries that assumption beside it. When the data was read is visible on every screen.
Ziraat Bankası
İş Bankası
Yapı Kredi
Garanti BBVA
VakıfBank
QNBZiraat Bankası41.3%TRY 76,100,000İş Bankası22.3%TRY 41,000,000Garanti BBVA16.3%TRY 30,000,000Yapı Kredi12.0%TRY 22,100,000
Akbank8.2%TRY 15,000,000Bank, company and counterparty names, and all amounts, have been anonymised.
Maturity ladder, discount simulator (banking tax, commission, ACT/365 – ACT/360, value date), bounced cheque tracking, endorsement. Pledged and discounted cheques stay in the portfolio but are not liquid.
Financial statements derived from the Turkish uniform chart of accounts; the two cost accounting methods are kept distinct.
An expired guarantee does not release your limit — it stays in force until the original is returned to the bank. Limits blocked for years surface here; the claim process is tracked too.
Cheques and notes follow commercial code rules; loan instalments follow the convention in their own contract. The two are not the same. The reason for each roll is kept on record.
Taxes and levies are included in loan and deposit calculations. The credit levy is zero on commercial loans.
A separate rate policy per transaction type: reporting, forecasting, intercompany, accounting. Intercompany transactions never use the market rate — if no contractual rate is declared, the amount is not converted and nothing is invented. So two entities do not reconcile differently every day.
Connections are ready with more than twenty banks in Türkiye. Intraday balances and transactions from open banking services, reconciliation from statement files, bank-format files for payment instructions. Even after a connection is live, no account enters the totals until its mapping is verified.
Ledger movements, invoices, journal entries and the trial balance are read from the ERP; the cash forecast is fed by these records and financial statements are derived from the trial balance. Reconciliation follows the Turkish chart of accounts, and unmatched entries never enter the totals.
The bank side runs on ready connections. On the ERP and accounting side a transfer layer is in place: standard file transfer, scheduled jobs and a REST service. Your own channels are decided together during onboarding.
Supported formats for statement and balance transfer; no account enters the totals until its mapping is verified.
Transfer of ledger movements, invoices, journal entries and the trial balance; driven by the chart of accounts mapping.
In a multi-entity treasury, who can see what and who can approve what is defined in the product’s first layer.
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