One account that collects, holds, earns, and pays out.
You've seen the agents optimize your cash. The One Account is the upgrade where you let them move it: every payment, end to end, with a human approving every move.
The fuzzy middle is where money leaks.
You move money between two sides, but you're not a fintech. Payments aren't your core, so treasury gets ignored and runs on bank portals and spreadsheets, and cash sits for days between collection and payout.
Duct-taped until it breaks
Early on, a bank, a couple of PSPs, and a spreadsheet get the job done. Scaling from $10M to $100M in ARR is exactly when that breaks: payouts by hand, balances checked one login at a time, forecasts rebuilt in spreadsheets every week. More volume just means more manual work and more chances to miss something costly.
Collect. Hold. Earn. Pay. End to end.
One end-to-end account. Banks do one job, PSPs do one, a TMS does one. The One Account does all four.
Orchestration
Collect across every bank and PSP through one account, with a single source of truth and a live position.
Hold + Earn
Hold the float in transit and earn yield on it instead of letting it sit dead between collection and payout.
Agentic optimization
Agents forecast the clock, sweep idle cash, fund shortfalls early, and flag risk. A human approves every move.
Multi-rail payout
Pay out on the best rail: ACH, wire, SEPA, RTP, FedNow, and stablecoin. Routed for cost, speed, and corridor.
Wire it in. Your agents run it.
Connect via API and MCP. The same account your own agents can open, fund, and operate, in your product and on your stack. A human still approves every move.
Cost center becomes margin.
Time reclaimed
Finance stops babysitting the middle. The account reconciles, forecasts, and moves money on its own, so the team is out of the spreadsheets.
Idle cash, put to work
Every $1M of float left at 0.1% instead of ~5% costs you about $49K a year. The account sweeps it to yield automatically.
Payouts become margin
Mark up payment fees to your own clients. A cost center turns into a revenue line.
A payment platform, not just cash software.
Most tools only watch your money. TreasuryPath actually holds and moves it, securely, through regulated payment partners, with a human approving every move.
You can't, and shouldn't, rebuild this.
| The alternative | The gap |
|---|---|
| Bank portals + spreadsheets | No audit trail, breaks at scale, can't earn on the float, can't monetize payouts. |
| Enterprise TMS (Kyriba) | Too slow and too expensive. Built for the Fortune 500, not for scaling platforms. |
| Payment API (Modern Treasury) | Needs an engineering team. Doesn't hand finance a position, a forecast, or payout monetization. |
| The TreasuryPath One Account | Collect, hold, earn, and process end to end. Human-approved. No engineering team required. |
Insight to movement, live.
Forecasting earned the team's trust. They switched on autosweep, and the processing account went live.
Lending platforms
Times the draws, funds shortfalls early, sweeps idle reserves to yield.
One-sided marketplaces
Collect, hold, earn on the float in between, then pay out.
Payroll & EOR
Global payouts, float managed to payday, any currency.
Put the real backend in now.
While it's a project, not a crisis. Connect your banks and get the One Account running in minutes.