Treasury that sees every dollar, in every form, on every rail.
One live position across banks, exchanges, custodians and on-chain wallets. AI agents monitor around the clock and draft policy-governed moves that a human approves, with an audit trail of every decision.
Non-custodial. We read from and instruct the systems you already have; we never hold assets or keys.
- Fiat cash41,206,118.2056.6%
- Stablecoins27,119,410.0037.3%
- Crypto4,474,072.326.1%
- Banks41,206,118.2056.6%
- Exchanges18,920,944.1126.0%
- On-chain wallets12,672,538.2117.4%
- Finovelo Demo US Inc.38,114,009.4052.4%
- Finovelo Demo NL B.V.14,977,020.0520.6%
- Finovelo Demo SG Pte.9,830,117.8813.5%
- 4 more entities9,878,453.1913.5%
| Account | Venue | Balance | USD |
|---|---|---|---|
| JPMorgan operating | Bank | USD 18,402,117.33 | 18,402,117.33 |
| Coinbase treasury | Exchange | USDC 11,250,000.00 | 11,248,875.00 |
| Ethereum settlement wallet | On-chain | USDT 8,910,440.00 | 8,908,658.91 |
| DBS SGD operating | Bank | SGD 6,120,500.00 | 4,713,985.00 |
Treasury systems were built for one kind of money. Companies now hold two.
If your balances live in bank accounts and on exchanges and in wallets, the tools you have today leave you doing the hard part by hand.
Six portals and a spreadsheet
Bank portals, exchange dashboards, a custodian login and a block explorer, stitched together by hand into one number nobody fully trusts.
Stablecoins the TMS cannot see
Treasury systems were built for bank rails. On-chain and exchange balances sit outside them, so the official position is always incomplete.
Reconciliation across fiat and chain, by hand
Month-end means matching wires to on-chain settlements in a workbook, at 18 decimal places, with no audit trail of who changed what.
Risk noticed after the fact
A depeg, a stale venue feed or a concentration breach shows up in a morning check, hours after it mattered.
Rebalancing that takes four logins and a Slack thread
Moving value between a bank, an exchange and a wallet means separate approvals in separate systems and no single record of the decision.
How it works
Four steps, in the order a treasurer lives them. The agent does the watching and the drafting; the human keeps the decision.
One Position
Every bank, exchange, custodian and wallet account read into one live, reconciled position, in your base currency, with drill-down by asset class, venue and entity.
- Fiat cash41,206,118.2056.6%
- Stablecoins27,119,410.0037.3%
- Crypto4,474,072.326.1%
- Banks41,206,118.2056.6%
- Exchanges18,920,944.1126.0%
- On-chain wallets12,672,538.2117.4%
- Finovelo Demo US Inc.38,114,009.4052.4%
- Finovelo Demo NL B.V.14,977,020.0520.6%
- Finovelo Demo SG Pte.9,830,117.8813.5%
- 4 more entities9,878,453.1913.5%
| Account | Venue | Balance | USD |
|---|---|---|---|
| JPMorgan operating | Bank | USD 18,402,117.33 | 18,402,117.33 |
| Coinbase treasury | Exchange | USDC 11,250,000.00 | 11,248,875.00 |
| Ethereum settlement wallet | On-chain | USDT 8,910,440.00 | 8,908,658.91 |
| DBS SGD operating | Bank | SGD 6,120,500.00 | 4,713,985.00 |
Agents that watch
Monitoring agents run around the clock against your policies: issuer caps, venue limits, depeg floors, stale feeds. A breach is raised with the clause it broke and the exposure it created.
Policy “Stablecoin concentration” caps any single issuer at 25% of digital-asset exposure. USDT is at 32.9% while under its 0.99 floor. Exposure above the cap: USD 2,141,118.
Proposals a human approves
The agent drafts the move that restores policy, shows its reasoning and the balances before and after. A treasurer approves or rejects. Either way the decision is recorded immutably.
- From
- Coinbase treasury, USDT
- To
- Coinbase treasury, USDC
- Amount
- USDT 2,150,000.00
- USDT after
- 24.1% of digital
Rationale: brings USDT under the 25% issuer cap with headroom, stays on a venue the policy already allows, and avoids an off-exchange transfer during a depeg window. The approver sees the policy clause, the price used and the balances before and after.
The nightly brief
Each morning, a short plain-language summary of what moved, what broke, what was decided and what needs a human today.
- Total position USD 72.80M, up 0.4% on the day, driven by SGD and a settlement into the Ethereum wallet.
- One policy breach overnight (USDT depeg). Proposal #214 approved at 07:41 UTC and recorded.
- Two feeds went stale and recovered on their own. No manual action needed today.
Governed autonomy, not autonomy.
No agent moves money on its own. What makes Finovelo different is that the policy is expressive enough, and the reasoning visible enough, that approving a proposal becomes a thirty-second check instead of an afternoon of portal logins.
- Policy as the contract
Caps, floors, allowed venues and approval thresholds written once and enforced on every proposal.
- Reasoning you can read
Every alert names the clause it broke; every proposal shows its inputs and the state before and after.
- Append-only audit
Decisions, prices used and balances are recorded immutably, enforced in the database, not just the app.
- Never custody
Finovelo never holds your assets or your signing keys. Approved moves execute in the systems you already use, under their controls.
We work for the treasurer, not the rail.
Finovelo is independent of every bank, exchange, custodian, stablecoin issuer and payment network. Nobody behind us earns more when your balance sits in one place rather than another.
That is the only position from which a system can honestly recommend where your money should be. The moment a treasury tool is owned by a rail, its menu is its parent’s balance sheet.
Where this goes
Treasury is the first stage, and the dataset it produces is the foundation for the rest of the finance function. One live set of positions and decisions, four CFO direct reports who work from it.
- Now
Head of Treasury
Positions, policy, monitoring, governed moves. The live treasury dataset everything else is built on.
- Next
Head of Accounting
General ledger, SOX controls and financial reporting generated from the same positions and decisions.
- Fast follow
Head of Tax
Direct and indirect tax treatment across jurisdictions, computed from the ledger rather than reconstructed after the fact.
- Soon
Head of Strategic Finance
Forecasting, scenarios and guidance driven by AI on the one dataset that is already true.
Built for companies that already hold both.
Fintechs, payment companies and crypto-adjacent businesses
Mid-market teams running treasury on bank portals, custody dashboards and spreadsheets, with no legacy system to rip out and real stablecoin flow today.
Corporates adding digital assets to treasury
Finance teams that need their existing controls, reporting and audit posture to extend to a new kind of asset without a second system.
See your whole position in one screen.
We are working with a small number of treasury teams ahead of general availability. Tell us where your balances live and we will show you the product on a dataset shaped like yours.