Custom channel propositions for daily business banking
Composable platform and tailored services
Business Banking services
Federated channel development Advisory and Solution designsManaged services & innovation
Deployment flexibility Security Market-driven innovationAgentic business banking
Banks face a workflow-layer threat from direct-to-corporate fintechs at the exact moment business clients expect AI-native experiences. TreasurUp's answer is a composable banking platform, a domain-AI intelligence engine, and approval-gated agents, deployed inside the bank's own brand, cloud, and choice of model.
Trusted by leading institutions including
From atomic services to full solution suites and complete portals: web, mobile, ERP/TMS, and APIs. Cross-border payments, liquidity management and FX trading, among other modules. Banks enter at any level: full suite, specific modules, or individual services via API.
Domain AI as a shared platform capability, not a bolted-on product. Rule and optimisation engines, smart insights, AI/ML cash-flow forecasting with multi-scenario modelling, and a natural-language query layer over the bank's own data.
Agents that prepare, never autonomously execute, actions across cross-border payments, liquidity management and FX trading. A human approval gate sits on every material step, for both business clients and bank staff.
Approval-gated execution is the design point, not a phase to be outgrown.
Branding, data, model choice and deployment topology are configurable per bank.
DORA, model risk, audit trails and explainability are platform spec, not afterthoughts.
Why now, four shifts converge
Hyper competition from fintechs, big tech and white-label banking is quietly moving daily workflows off bank rails.
Regulatory clarity: the EU AI Act, DORA and updated model-risk guidance give a defined path to deploy.
New asset classes, such as stablecoins under MiCA, tokenised deposits and CBDC pilots, enter corporate treasury.
Asymmetric cost of waiting: this year's movers set the bar; next year's followers buy from a smaller field.
Every agent action with financial, regulatory or accounting impact passes through an explicit human approval, logged with the agent's reasoning chain, the input data, the alternatives considered, and the decision. The platform does not expose autonomous-execution APIs for material actions. This is structural, not a configurable setting, and where automation increases over time, it happens through better agent quality and tighter scope, never by removing humans from material decisions.
TreasurUp's orchestration layer is model-agnostic by design. The bank, or a partner infrastructure, supplies the compute and foundation model; TreasurUp supplies the domain logic, the agents, and the approval gates on top.
The full platform deploys inside the bank's own cloud account. Data never leaves the bank's perimeter; TreasurUp ships software, the bank operates it.
The bank chooses the foundation model, a private model, or a multi-vendor mix. Orchestration integrates with the chosen endpoints.
TreasurUp-hosted orchestration, bank-hosted data and inference. The speed of a managed platform without compromising data residency.
Where agents run today
TreasurUp's agent roster is scoped to the three transaction categories where the daily relationship is most contested: cross-border payments, liquidity management, and FX trading. Each agent prepares an action; the owner or the bank approves it.
Cross-border payments
Combines FX rate sourcing with routing rules and compliance checks, and prepares the payment for approval before anything settles.
Liquidity management
Multi-scenario cash-flow forecasts from ERP and bank data, with the reasoning behind every figure, feeding sweep and pooling recommendations the owner approves.
FX trading
Identifies exposures from confirmed orders, invoices and forecast cash flows, checks them against the company's hedge policy, and ranks a proposal the owner approves.
FAQ
No. Every agent action with financial, regulatory or accounting impact passes through an explicit human approval, logged with the agent's reasoning chain, the input data, the alternatives considered, and the decision. The platform does not expose autonomous-execution APIs for material actions. This holds across all three transaction categories: no autonomous trade execution, no autonomous limit changes, no autonomous credit decisions, and no cross-institution agent-to-agent flows.
Because an agent is only as good as the platform and data beneath it. The composable banking platform runs the channels and modules for cross-border payments, liquidity management and FX trading; the intelligence engine is the shared domain AI, rules and forecasting capability every agent draws on. Agentic Daily Business Banking is the third layer on top, which is why it can go live as a configuration and rollout step rather than a new procurement.
TreasurUp's orchestration layer is model-agnostic by design, and three deployment shapes are available. Single-tenant deploys the full platform inside your own cloud account, with data never leaving your perimeter. Bring-your-own-LLM lets you choose the foundation model, a private model, or a multi-vendor mix. Hybrid combines TreasurUp-hosted orchestration with bank-hosted data and inference, for the speed of a managed platform without compromising data residency.
Governance is platform spec, not an afterthought. Components are catalogued by criticality and resilience-tested, with incidents streamed to the bank's SIEM under DORA alignment. Model risk management covers model inventory, validation datasets, drift and accuracy monitoring, override and rollback. Every query, retrieval, reasoning step, proposal, approval and executed action is captured end to end, and reasoning is shown in plain language at the point of decision, not buried in logs.
These are the three transaction categories where the daily relationship is most contested. Business owners already route them to fintechs and ERP or accounting tools one workflow at a time, and each workflow that leaves is a relationship the bank no longer owns. They are also where TreasurUp's composable platform already runs live at other banks, so the agentic layer extends what is live today rather than starting from a blank page.
Let's align on the stack
TreasurUp's agents run on any bank-chosen model and cloud. Bring your cross-border payments, liquidity management and FX trading workflows to a working session, and leave with a scoped proof-of-concept plan.