Cash & Liquidity
Real-time cash. Forecasts that update themselves. Liquidity on autopilot.
Every balance across every bank, entity, and currency — consolidated live, forecast 13 weeks out, and rebalanced so idle cash never sits where it earns nothing. The work treasury used to rebuild in spreadsheets every morning, running continuously instead.
Real-time cash position
Connect every bank — via SWIFT, host-to-host, or API — and Nilus builds the consolidated cash position continuously. Balances and transactions land automatically, get categorized by AI-trained rules, and roll up across accounts, entities, and currencies into one live view. The daily position grid flags any day that falls below your target buffer before it becomes a problem.
- Live balances across every account, entity, and currency — no portal logins
- AI auto-tagging of every transaction by cash-flow category
- Daily position grid with below-target days flagged automatically
- Three-month trend lines with a narrative explaining why cash moved
13-week rolling forecast
The forecast is built from your actual transaction history, not a static spreadsheet model. It projects 13 weeks of inflows and outflows by category, then self-corrects against variance as real data arrives — so the forward view tightens over time instead of drifting. Layer in scenarios to stress the plan against delayed collections, a drawdown, or an FX move.
- Built from actual transactions and refreshed continuously
- Self-corrects against forecast-vs-actual variance
- Scenario planning and liquidity stress testing
- Cash runway and forecast-by-bank views out of the box
Sweeping, pooling & concentration
Define the rules once — target balances, minimums, priority accounts — and Nilus concentrates idle cash where it earns and funds the accounts that need it, without manual transfers. Physical and notional pooling structures are modeled so you can see concentration across the entire group at a glance.
- Rule-based sweeping to target balances
- Physical and notional cash pooling
- Idle-cash detection across the group
- Automated cash rebalancing with a full audit trail
Idle balances swept to where they earn — automatically.
In-house banking & netting
Run an internal bank for your entities: net intercompany flows, fund subsidiaries from a central pool, and settle positions internally instead of moving money through external rails. Fewer external transfers means lower fees, less FX leakage, and less cash stranded in the wrong entity.
- Intercompany netting of payables and receivables
- Central funding of entities from a single pool
- Fewer external transfers — lower fees and FX leakage
- Intercompany positions and loans tracked in one book
Three external transfers become one internal net.
The agentic layer
Agents do the work. You make the calls.
Schedule them, or just ask. The agents below work this module continuously — building the position, watching for risk, and surfacing what needs a decision. You come in to review the analysis and approve, instead of assembling it by hand.
Cash Position Tracker
Consolidates balances from every connected account into one live view, with trend lines and a narrative on why cash moved.
Cash Forecast by Bank
Projects forward cash by bank and account so you see where liquidity builds and where it runs short.
Cash Runway
Tells you how long current cash lasts under your real burn — recalculated as actuals land.
Daily Liquidity Alerts
Flags below-target days and unusual swings before they turn into a scramble.
Liquidity Pattern Spotter
Surfaces recurring patterns in inflows and outflows you would otherwise miss.
Cash Rebalancing
Moves idle balances to where they earn and funds accounts that need it, within your rules.
See it on your real data in 24 hours.
Connect your real bank accounts. No sandbox, no slide deck — your position, forecast, and idle cash, live.