# TreasuryPath - The Financial OS for scaling platforms

> TreasuryPath is an AI cash-management team for platforms that move money. Agents watch your cash across every bank, entity, and currency, forecast what is coming, sweep idle cash to yield, fund shortfalls early, and move money on the best rail, with humans in the loop. Built by operators from Gusto, Currencycloud, Visa, and Finastra. SOC 2 Type II earned.

Website: https://treasurypath.com
Get started: https://treasurypath.com/platform/
API Documentation: https://docs.treasurypath.com/

---

## About TreasuryPath

TreasuryPath is built for platforms that move money but are not fintechs: marketplaces, lending platforms, payroll and EOR, and similar businesses scaling from $10M to $100M in ARR. Payments are a back-office flow, not the core product, so treasury gets neglected and runs on bank portals and spreadsheets, and cash sits for days between collection and payout.

The product leads with agentic cash/treasury management: connect read-only, and the agents show you everything they are optimizing. The One Account is the upgrade clients grow into once the agents have earned their trust: a single account that collects, holds, earns, and pays out, end to end, with money held and moved through regulated payment partners (a sponsor bank and state money-transmitter licenses), custody in transit only.

### Founders

- **Jeff Forkan** - CEO & Co-Founder. Led the bank, PSP, and embedded-fintech relationships behind Gusto Global. Background at Finastra and Currencycloud. Helped build Gusto Global from $0 to $25M ARR.
- **Adam Dilek** - CTO & Co-Founder. Led the engineering behind Gusto's global money movement. Co-founded RemoteTeam (acquired by Gusto in 2021). Building fintech products since 2017.

### Team Background

The founding team has worked at Gusto, Currencycloud, Finastra, RemoteTeam, Visa, and Fireblocks.

### Mission

Give scaling platforms the treasury and payment backend they need to grow cleanly, without hiring a treasury team. Visibility, forecasting, yield, and money movement in one agent-run account, with humans in the loop.

### Core Values

- **Trust & Security**: Safeguard customer data and funds with rigorous controls and transparent practices
- **Speed with Quality**: Ship quickly without compromising reliability or user experience
- **Customer-First**: Obsess over real problems and measure success by customer outcomes
- **Simplicity**: Reduce complexity so teams can focus on the work that matters

---

## Platform Overview

TreasuryPath addresses the full lifecycle of money movement: visibility, forecasting, yield, payments, and control. It starts as an AI cash-management layer (read-only) and upgrades into the One Account for custodial money movement.

### Cash Flow Forecasting

TreasuryPath's AI forecasting predicts future cash positions with precision. It helps finance teams spot surpluses early, fund shortfalls before they hit, and keep liquidity strong. Real-time cash visibility across every bank and entity, with automated alerts.

### AI Agents

TreasuryPath deploys specialized agents that run the account around the clock; humans stay in the loop:

- **Cash Position**: Maintains a live position across every bank, entity, and currency.
- **Forecast**: Projects the cash clock and flags shortfalls early.
- **Yield Optimizer**: Sweeps idle cash into the best eligible vehicle.
- **Risk Sentinel**: Flags anomalies, duplicates, and policy breaches before money moves.
- **Payments**: Drafts and routes payouts on the best rail, within your policy.

### The One Account (the upgrade)

Once the agents have earned trust, the One Account lets them move the money too: collect, hold, earn, and pay out, end to end. Money is held and moved through regulated payment partners, with custody in transit only.

- **Orchestration**: Collect across every bank and PSP through one account, one source of truth, a live position.
- **Hold + Earn**: Hold the float in transit and earn yield instead of letting it sit idle between collection and payout.
- **Multi-rail payout**: Pay out on the best rail (ACH, wire, SEPA, RTP, FedNow, stablecoin) with FX across corridors, routed for cost, speed, and corridor.
- **Agent-native**: Opened and wired via API and MCP. The customer's own agents can open, fund, and operate the account.

### Developer API

TreasuryPath provides a developer-first payment infrastructure with AI-powered routing and optimization. Embed payment capabilities directly into your platform with the REST API.

#### Example: Create a Payment

Request: POST /api/v1/payments

```json
{
  "amount": 25000,
  "currency": "USD",
  "destination": {
    "country": "JP",
    "currency": "JPY"
  },
  "aiOptimize": ["cost", "speed"]
}
```

Response: 200 OK

```json
{
  "id": "pay_abc123...",
  "status": "processing",
  "rail": "SWIFT-Express",
  "eta": "2.3s",
  "rate": {
    "usd_jpy": 146.8,
    "amount_jpy": 36750
  },
  "ai_optimization": {
    "cost_saved": "12%",
    "speed_gain": "3.2x"
  }
}
```

#### API Features

- **Real-time processing**: Process payments instantly
- **AI optimization**: Automatically route through lowest-cost providers
- **Enterprise security**: Bank-grade encryption and compliance built-in

Full API documentation: https://docs.treasurypath.com/

### Infrastructure & Scale

- **SOC 2** Type II earned
- Money held and moved through regulated payment partners (sponsor bank + state money-transmitter licenses), custody in transit only
- **$1.5B+** annual payment flow run by the founding team at Gusto Global
- **95%+** reconciliation accuracy

---

## Use Cases

### For CFOs and Finance Leaders

TreasuryPath gives finance leaders at multi-national AI and tech companies an intuitive treasury management platform. Real-time cash visibility across all accounts, AI-powered forecasting, automated compliance, and smart FX hedging - all without spreadsheets or manual reconciliation.

### For Developers and Tech Platforms

TreasuryPath provides developer-first payment infrastructure with AI-powered routing and optimization. Embed payment capabilities directly into your platform. One API for global money movement across SWIFT, ACH, local rails, cards, crypto, and stablecoins.

---

## Frequently Asked Questions

**What is TreasuryPath?**
TreasuryPath is a unified payments and treasury management platform for global companies. It combines real-time cash visibility, AI-powered payment routing, and intelligent treasury agents in one platform. Built by the team behind Gusto's cross-border payroll.

**Who is TreasuryPath for?**
TreasuryPath serves two audiences: CFOs and finance leaders at multi-national tech companies who need cash visibility, forecasting, and FX management, and developers who need payment infrastructure APIs to embed global money movement into their platforms.

**What countries does TreasuryPath support?**
TreasuryPath moves money on the best rail: ACH, wire, SEPA, RTP, FedNow, and stablecoin, with FX across corridors. Agents route every payout for cost, speed, and corridor.

**Who founded TreasuryPath?**
TreasuryPath was founded by Jeff Forkan (CEO) and Adam Dilek (CTO). Jeff built Gusto's cross-border payroll from $0 to $20M ARR. Adam co-founded RemoteTeam (acquired by Gusto in 2021) and has been building fintech products since 2017.

**How does TreasuryPath's AI cash flow forecasting work?**
TreasuryPath's AI forecasting predicts future cash positions with precision by analyzing historical patterns and real-time data across all connected accounts. It helps finance teams spot surpluses early, make smarter financing decisions, and keep liquidity strong with automated transfers and anomaly alerts.

**What are TreasuryPath's AI agents?**
TreasuryPath deploys specialized agents, with humans in the loop: Cash Position (live position across banks and entities), Forecast (projects the cash clock, flags shortfalls early), Yield Optimizer (sweeps idle cash to yield), Risk Sentinel (anomalies, duplicates, policy breaches), and Payments (drafts and routes payouts on the best rail).

**Does TreasuryPath have a developer API?**
Yes. TreasuryPath provides a developer-first REST API with AI-powered routing and optimization. You can embed payment capabilities directly into your platform with a single API for global money movement across SWIFT, ACH, local rails, cards, crypto, and stablecoins.

**What payment rails does TreasuryPath support?**
TreasuryPath moves money on the best rail: ACH, wire, SEPA, RTP, FedNow, and stablecoin, with FX across corridors, through a single unified API. Agents route every payout for cost, speed, and corridor, with humans in the loop.

**How does TreasuryPath compare to traditional treasury management systems?**
Unlike traditional TMS platforms that focus only on cash visibility, TreasuryPath unifies payments and treasury in one platform with AI agents that automate operations 24/7. It supports both fiat and crypto rails, provides developer APIs for embedding payments, and uses AI to optimize routing, reduce costs, and prevent shortfalls.

---

## Contact & Access

- **Website**: https://treasurypath.com
- **The One Account**: https://treasurypath.com/platform/
- **API Docs**: https://docs.treasurypath.com/
- **Twitter/X**: https://x.com/treasurypath
- **LinkedIn**: https://www.linkedin.com/company/treasury-path/