Agentic treasury for embedded banking

Reconcile under the program, settlement window by window.

Neobanks, wallets, and embedded banking hold money across program accounts with partner-bank settlement windows underneath. Agents keep it reconciled and visible, with humans in the loop.

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Built for neobanks, wallets, and embedded-banking programs

TreasuryPath · program ledger settling

› Are all program accounts settled and reconciled for today's window?

Of 6 program accounts, 5 are settled and clean. One partner-bank window shows a $58K difference still in flight, expected to clear by end of day. No action needed unless it is still open at cutoff.

Watch to cutoff Open the ledger

The problem with stored funds

Under a stored-value or embedded-banking product, money sits across program accounts with partner-bank settlement windows and constant reconciliation underneath. A gap that lingers past a window is a real problem. Agentic treasury reconciles the program continuously and watches every settlement window, so differences surface while there is still time to act.

01 What the agents do

Visibility under the program.

The agents keep the program ledger clean and every settlement window in view.

Program reconciliation

Every program and partner-bank account reconciled continuously, with differences flagged.

Settlement-window visibility

Each window watched to cutoff, so an in-flight difference surfaces before it becomes an issue.

Partner-rail fit

Works with your partner banks and rails, including Airwallex, rather than replacing them.

A move you just approve

When a difference needs action, the agent drafts it and explains it. You approve.

How control works

1 Read-only to start

→

2 You set the policy

→

3 Every move approved

→

4 Full audit trail

$49K

Cost of idle cash

Per $1M at 0.1% vs ~5%, yearly

$113K

Saved at Trophy Point

Per year, via autosweep

Minutes

To a live position

Connect read-only and see it

SOC 2

Type II

Independently audited

The reality for finance teams

“We spend 60 hours a month checking balances, updating spreadsheets, and processing payments. We just lost two people, and we have a mandate to use AI, not add headcount.”

Head of TreasuryScaling payroll platform

02 Questions

Banking & stored funds, answered.

What is agentic treasury for embedded banking?

It is AI agents that reconcile money across program and partner-bank accounts continuously, watch each settlement window, and surface differences in time to act, with a human approving any move.

How does it handle settlement windows?

Each partner-bank window is watched to cutoff. If a difference is still in flight, the agent flags it with the expected clear time so your team can decide whether to act.

Does it replace our partner banks?

No. It sits over your existing program accounts and partner rails to keep them reconciled and visible. Payment services for US customers are provided by Airwallex US, LLC (NMLS #1928093).

03 By segment