Treasury AI shows your cash across every bank account, forecasts the cash coming in and going out over the next 13 weeks, helps you collect on time and prepares supplier payments for approval. Only supplier bank details a second person has verified are paid. Naarvin never moves money: a person uploads every payment file to the bank.
What does Treasury AI do?
Treasury AI keeps cash moving in both directions: it tells you what you hold and what is coming, helps you collect what you are owed, and prepares what you owe for a person to release. It reads the same ledgers as the rest of Naarvin, so the cash figure on the treasury screen agrees with the balance sheet.
| Area | What Treasury AI does |
|---|---|
| Banks | Shows cash across your bank accounts, from the ledger and the latest statements |
| Cash forecast | Shows the cash coming in and going out over the next 13 weeks, week by week |
| Receivables | Shows who owes you and how late, and drafts reminders by stage as invoices fall overdue |
| Cash application | Matches customer receipts to the invoices they pay, including part payments and one receipt for several invoices |
| Payables | Matches bills to purchase orders and goods receipts, and lists every price or quantity exception |
| Payment files | Prepares bank-ready files for approved bills, for a person to upload to the bank |
| Supplier bank details | Holds a changed supplier bank account until a second person verifies it |
| Debt and facilities | Keeps loan, murabaha and tawarruq schedules, and checks covenants against the ledger |
Receivables are aged by customer into current, 1 to 30, 31 to 60, 61 to 90 and over 90 days, and payables the same way by supplier. For cash application, each suggested match says why it was made: the exact amount from the same payer, an invoice number found in the bank reference, or the amount alone, with part payments flagged. One receipt can settle several invoices, part of one, or be held on the customer's account, and anything left stays unapplied until someone applies it.
How does a month run with Treasury AI?
Treasury work runs on a weekly rhythm inside the month. A typical month looks like this.
- Cash, every morningBooks sync on schedule and bank statement files arrive by upload or in a folder. Cash across your accounts is ready before the team starts, with each company's balances in its own currency.
- The 13-week view, every weekCustomer receipts are placed on the date each customer is likely to pay, judged from how late it has paid before, and supplier payments on their due dates. Loan repayments from the debt register, post-dated cheques and tax payments sit on their own lines, and other regular costs are estimated from recent months.
- CollectionsThe collections agent works through overdue invoices. Reminders are drafted from your templates at each stage of lateness, and your team reviews and sends them. Receipts from the bank are matched to the invoices they pay.
- Bills and the payment runBills are matched to their orders and goods receipts within your tolerances. When you set a payment approval route, only approved bills can go into a payment run.
- The payment fileTreasury AI builds a bank-ready file that pays only verified supplier bank details. A person uploads it to the bank, where the bank's own approvals apply.
- Debt and covenants at month endFacility balances and the next repayments come from the debt register, and covenant measures are recalculated from the books, so the headroom you see is the ledger's own.
With two or more companies, money one group company pays another is taken back out of the group's running cash balance in the same week, so group cash is not overstated. Our guide to the 13-week cash flow forecast explains the method in general terms.
Who is Treasury AI for?
Treasury AI is for the people who answer for cash: CFOs and treasurers who need to know how much cash the company will have in six weeks, receivables teams chasing overdue customers, and payables teams who prepare the supplier payment run.
It suits companies with several banks, groups with cash in several currencies, and any business that borrows. Murabaha and tawarruq facilities sit in the same register as conventional loans, with their repayment schedules and covenants, so the forecast knows what is due and the board pack knows the headroom.
What stays with your team?
Naarvin never moves money. It prepares the work, and a person with the authority releases it.
- Approving each payment. Payments route by amount under your authority matrix, and nobody approves their own request.
- Uploading the payment file to the bank. Naarvin does not send it.
- Verifying every change to a supplier's bank details. The person who entered the change cannot verify it; a second person confirms it, ideally by calling the supplier on a number you already hold.
- Sending reminders to customers, and deciding when a customer gets a call instead.
- Applying receipts nobody can identify, and approving any receivable write-off.
- The judgements in the forecast: when a large customer will really pay, and which costs will not recur.
A payment reminder tells a customer what that customer owes and nothing more. Notices to Slack, Teams and webhooks carry names, references and statuses, never amounts.
Which systems does Treasury AI work with?
Treasury AI reads invoices, bills and payments from each company's ERP, such as ERPNext, Odoo, Xero, QuickBooks Online, Zoho Books, Oracle NetSuite or SAP. Purchase orders and goods receipts are needed for the three-way match; where a connection has none, the match says so rather than passing the bill.
Bank statements come in as files from your banks, uploaded or delivered to an SFTP folder. Payment files go out as ISO 20022 XML (pain.001) or as a CSV, depending on what your bank takes, and a person uploads them. Cash applied in Naarvin reaches your ledger through a receivables journal drafted for the ERP, which needs an approved journal posting first.
How do you start with Treasury AI?
Our team connects one of your companies and its bank statements, sets up your authority matrix with you, and walks through the first forecast and payment run with your team. Plans are on request; see pricing or book a demo.
Questions people ask
Does Naarvin move money or connect to our bank to pay?
No. Naarvin never moves money. It prepares payment files that a person uploads to the bank, and it works from the statement files your banks provide.
How does the 13-week forecast decide when customers will pay?
Each open invoice is placed on its due date moved by how late that customer has paid on average. Where there is too little history, or you ask for it, the due date itself is used. Supplier payments sit on their due dates.
What stops a fraudulent change to a supplier's bank account?
A changed bank account stays pending until a different person verifies it, and only verified accounts are paid. Payment files also flag bank details that were verified recently, so the approver looks twice.
Can Treasury AI handle murabaha and tawarruq facilities?
Yes. Loans, murabaha and tawarruq facilities sit in the debt register with their schedules, and covenants are checked against the ledger. Repayments feed the 13-week forecast.
Do reminders go to customers automatically?
Reminders are drafted at each stage of lateness from your own templates, and your team reviews and sends them. Each one tells a customer only what that customer owes.