AI Treasury Operations
Real-time cash position, liquidity forecasting, FX exposure and payment orchestration — with AI insights and SBV-aligned controls.
Overview
BancoOS gives treasury a live view of cash and exposure, and orchestrates payments across every bank and rail with four-eyes controls.
Industry challenges
- Cash position built manually every morning.
- Liquidity forecasts stale and inaccurate.
- FX exposure scattered across entities.
- Payment controls inconsistent across rails.
The BancoOS solution
Real-time aggregation across accounts, 13-week ML forecasting, FX exposure tracking, and payment orchestration with intraday liquidity monitoring.
Workflow diagram
Business outcomes
- 50% less time on cash-position build.
- ±3% forecast accuracy on 13-week horizon.
- Lower idle balances through better visibility.
- Consistent four-eyes payment control.
Integrations
Bank connectors, ISO 20022, card/wallet rails, core banking and GL.
Security & compliance
Four-eyes approvals, dual control on payment release, tenant isolation, encryption and in-region hosting.
Frequently asked questions
›What does BancoOS automate in treasury?
Cash-position aggregation, liquidity forecasting, FX exposure tracking, payment orchestration and intercompany settlement.
›How is cash position calculated?
Real-time aggregation across every internal and correspondent bank account, with reconciliation-adjusted balances.
›How accurate is the liquidity forecast?
Typical accuracy is within ±3% on a 13-week horizon, using ML on historical flows plus committed pipeline data.
›Which payment rails are supported?
Every major Vietnamese bank, ISO 20022 messaging and card/wallet rails through APIs and file batches.
›How are FX exposures tracked?
Positions aggregate across entities and currencies; alerts fire when exposure breaches policy thresholds.
›Does BancoOS support intraday liquidity monitoring?
Yes. Balances and flows refresh continuously, with alerts on thresholds and cover ratios.
›How are controls enforced?
Four-eyes approvals, dual-control on payment release, and full audit trail on every action.
›Can we run scenarios (stress tests)?
Yes. Copilot supports 'what-if' scenarios on rate shocks, deposit outflows and FX moves grounded in your actual position.
›How long to deploy?
8–12 weeks for the first entity and expand incrementally.
›What ROI do treasury teams see?
Typical results: 50% less time on cash-position build, ±3% forecast accuracy, and lower idle balances through better visibility.
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