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See total liquidity position including invested cash alongside operational cash

Investment Thesis

Customers (Personio, ON) and prospects both track investments separately in spreadsheets alongside operational cash. Combining these into a single view eliminates manual reconciliation, reduces error-prone spreadsheet maintenance, and enables more confident investment duration decisions. This is a key differentiator vs existing TMS tools that treat investments and cash as separate worlds.

Desired Outcomes

Current Focus

These are the outcomes we're actively investing in.

# Desired Outcome Evidence
1 Reduce effort to distinguish operational cash from invested cash Personio, ON, Palm Internal
2 Minimize confusion about total available liquidity Personio, ON, Palm Internal
3 Increase visibility into cash + cash equivalents in one view Personio, ON
4 Minimize the uncertainty when deciding investment duration Personio, Palm Internal

Already Addressed

Existing features that help get this job done.

Desired Outcome Status Feature
Minimize time spent manually entering investment data in Google Sheets ⚠️ Partial Investments Visibility
Reduce risk of forgetting a maturity date and accidentally rolling over ⚠️ Partial Investments Visibility
Increase visibility into total investment position across counterparties ⚠️ Partial Investments Visibility
Minimize time spent logging into multiple bank portals to check balances ✅ Solved Cash Position & Balances
Increase confidence that service entities are adequately funded ✅ Solved Cash Position & Balances

Not Yet Addressed

Known outcomes we're not focusing on yet.

Desired Outcome Evidence
Increase visibility of when invested cash becomes available (forecast integration) Personio
Reduce frequency of overly conservative investment decisions due to lack of data Personio, Palm Internal
Auto-generate investment forecast impacts from instrument terms Palm Internal
Monitor counterparty credit ratings to maintain compliance with investment policy Personio

Current Approach

Stage: Bicycle (Deliver)

Building unified cash + investments view with split visualizations. Investment positions show alongside operational cash in overview dashboard, forecast chart, and KPIs. Static design validated with Personio and ON — now delivering production-ready implementation.

What's Validated

  • Cash vs investments split in overview — "Really good to have in a unique view all the different levels of cash" (Personio, 2026-01-28)
  • Forecast chart with split — "Looks very good" (ON, 2026-01-28)
  • KPIs showing split — Direction validated by both customers
  • Flat-line projection for investments (not ML-predicted) — Agreed approach for near-term

Next Milestone

Ship unified cash + investments view to production. GraphQL endpoint for combined data still needed.

Feedback Log

Date Company Validated Summary File
2026-01-28 Personio Yes Direction validated, split view praised, ready to ship View
2026-01-28 ON Yes Direction validated, unified view praised, ready for next stage View