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Cash Visibility

Overview

Cash visibility refers to the ability to see and understand current and near-term cash positions across accounts, entities, and currencies. This includes knowing actual balances, understanding what's cleared vs pending, and having confidence that the cash position view is accurate and current.

For treasury teams, cash visibility is the foundation for daily operations - you can't manage cash you can't see. It enables funding decisions, FX trades, investment choices, and the confidence to "close yesterday and look at today."

For detailed ICP context and terminology, see fundamentals.md

Top Jobs & Desired Outcomes

Full history: jobs.md

1. Check cash positioning across all bank accounts each morning ✓

Desired Outcomes: - Minimize the time spent logging into multiple bank portals to check balances - Reduce the frequency of discovering overdrafts after they've already happened - Increase confidence that service entities are adequately funded

Sources: On x3, Sonder (Confirmed) - "Every day we look at where we finish the prior day"

2. Confirm treasury-initiated payments went through daily ✓

Desired Outcomes: - Minimize the time to identify delayed or failed payments - Reduce the risk of missing critical payment failures - Increase confidence that funded accounts have correct balances

Sources: ON x2 (Confirmed) - $8M Canada payment failure: "no one noticed... not even the Americas team"

Key Pain Points

Full history: pain-points.md

  • 150 accounts blindness - With so many accounts to review, teams become "fully blind" and don't know where to focus (Source: ON)
  • Daily verification is manual - Must check if funded accounts have correct balances each morning (Source: ON)
  • No prioritization of accounts needing attention - All accounts appear equal; need tool to highlight top accounts to focus on (Source: ON)
  • Failed payments go unnoticed across regions - $8M payment failure only discovered when balance doubled (Source: ON)

Key Opportunities

  • Anomaly-focused home page - First thing you see flags accounts at risk
  • Balance alerts - Automatic notification when balances are unexpected
  • Entity-level views - Focus on specific entities (AG, holding, EMEA) that matter most

Open Questions

  • [ ] What balance thresholds trigger concern vs are normal fluctuation?
  • [ ] How to handle timing differences (payments in flight)?

Last updated: 2026-02-04 | Sources: 10 transcripts (view all)