Integrations
Connects to the tools you use
Set up connections through ERP.AI and Proto workflows, with every change logged.
- Financial Risk Management
- Banking provider
- Balance source
- Accounting system
- Identity source
Financial Risk Management · Available now
Example screen with sample data
Trace treasury instructions from preparation to provider evidence.
Financial Risk Management gives a treasury team a record of banking instructions, the financial accounts involved, independent decisions, provider evidence and reconciliation outcomes. A preparer scopes an instruction to an organization, counterparty and owner, records debit and credit accounts, and attaches supporting material.
- No per-user fees
- Manual work is free
- Configure it in Proto
OverviewInstructions in review×
Financial Risk Management · Bank instructions
New bank instruction
Instructions in review
Bank instructions in one list
Bank instructions in view
6Total amount USD
2,210Review
6| Record number | Subject | Status | Amount USD | Requested at | Owner | |
|---|---|---|---|---|---|---|
| BI-89922 | Transfer operating cash to payroll | Review | 150 | 02 Nov | Luca Moretti | |
| BI-40202 | Fund October supplier payments | Review | 180 | 22 Oct | Irene Costa | |
| BI-89843 | Sweep excess cash to reserve | Review | 680 | 11 Oct | Sana Mirza | |
| BI-72954 | Move collateral to custody account | Review | 340 | 03 Nov | Hugo Reyes | |
| BI-99304 | Settle short-term note | Review | 430 | 17 Oct | Luca Moretti |
6 of 6 records
Transfer operating cash to payrollBank instructions · BI-89922
ReviewAmount USD150
Requested at02 Nov
OwnerLuca Moretti
CounterpartyElmcrest Credit Union
Revision90
Review instructionBI-89922 · Transfer operating cash to payroll
Independent Treasury Approver decides the current instruction revision.
Waiting for Independent Treasury Approver
ApproveReturn
- Tables, ready to use
- 15
- Saved views
- 14
- Roles with set permissions
- 5
- Reports and dashboards
- 8
Features
Treasury work in view
Every feature works on the same records. Pick one to see the screen your team works in.
Banking instructions
Prepare a scoped instruction and follow its authorization and provider status.
- Prepare
- Review
- Follow through
- Bank instructions
- Instruction accounts
- Financial accounts
- Financial counterparties
- Record attachments
- Review decisions
OverviewDraft instructions×
Financial Risk Management · Banking instructions
New
Draft instructions
Approval conditions
| Record number | Subject | Status | Amount USD | Requested at | Owner | |
|---|---|---|---|---|---|---|
| BI-12479 | Transfer operating cash to payroll | Draft | 560 | 14 Oct | Irene Costa | |
| BI-55273 | Fund October supplier payments | Draft | 540 | 02 Nov | Pavel Novak | |
| BI-64732 | Sweep excess cash to reserve | Draft | 860 | 20 Oct | Hugo Reyes | |
| BI-61971 | Move collateral to custody account | Draft | 90 | 11 Oct | Irene Costa | |
| BI-66085 | Settle short-term note | Draft | 550 | 25 Oct | Daniel Ito |
6 of 6 records
Transfer operating cash to payrollBank instructions · BI-12479
DraftAmount USD560
Requested at14 Oct
OwnerIrene Costa
CounterpartySilver Quay Trust
Independent review
Preserve reviewer decisions and supporting evidence for each instruction revision.
- Queue
- Decision
- Evidence
- Bank instructions
- Instruction accounts
- Review decisions
- Record attachments
- Team members
- Operation receipts
OverviewConfirmed instructions×
Financial Risk Management · Independent review
New
Confirmed instructions
Bank instructions
| Record number | Subject | Status | Amount USD | Confirmed at | Provider instruction ID | |
|---|---|---|---|---|---|---|
| BI-64718 | Transfer operating cash to payroll | Confirmed | 190 | 16 Oct | TRF-20261015-4821 | |
| BI-94994 | Fund October supplier payments | Confirmed | 330 | 30 Oct | TRF-20261014-4815 | |
| BI-24041 | Sweep excess cash to reserve | Confirmed | 600 | 20 Oct | SWP-20261012-0941 | |
| BI-33106 | Move collateral to custody account | Confirmed | 410 | 25 Oct | PMT-20261010-7732 | |
| BI-30303 | Settle short-term note | Confirmed | 920 | 17 Oct | TRF-20261008-4798 |
6 of 6 records
Transfer operating cash to payrollBank instructions · BI-64718
ConfirmedAmount USD190
Confirmed at16 Oct
Provider instruction IDTRF-20261015-4821
Provider outcomes
Keep provider references, evidence and operation receipts with the instruction.
- Submission
- Observation
- Completion
- Bank instructions
- Bank evidence
- Operation receipts
- Review decisions
- Reconciliation items
OverviewAuthorized instructions×
Financial Risk Management · Provider outcomes
New
Authorized instructions
Submission waits for the treasury preparer
| Record number | Subject | Status | Amount USD | Revision | Counterparty | |
|---|---|---|---|---|---|---|
| BI-12220 | Transfer operating cash to payroll | Authorized | 550 | 480 | Cedarhaven Custody | |
| BI-87193 | Fund October supplier payments | Authorized | 20 | 90 | Elmcrest Credit Union | |
| BI-16760 | Sweep excess cash to reserve | Authorized | 500 | 310 | North Reach Bank | |
| BI-94260 | Move collateral to custody account | Authorized | 70 | 280 | North Reach Bank | |
| BI-28376 | Settle short-term note | Authorized | 470 | 80 | Larchmont Community Bank |
6 of 6 records
Transfer operating cash to payrollBank instructions · BI-12220
AuthorizedAmount USD550
Revision480
CounterpartyCedarhaven Custody
Account applications
Track provider account applications and their independent decisions.
- Draft
- Decision
- Provider follow-up
- Risk model runs
- Bank instructions
- Review decisions
- Record attachments
- Operation receipts
- Organizations
OverviewSubmitted account applications×
Financial Risk Management · Account applications
New
Submitted account applications
Approval conditions
| Status | Revision | Applicant | Submitted at | Initial deposit USD | Parent | |
|---|---|---|---|---|---|---|
| Submitted | 60 | Vale Treasury LLC | 14 Oct | 520 | Move collateral to custody account | |
| Submitted | 650 | Vale Operating LLC | 02 Nov | 210 | Settle short-term note | |
| Submitted | 360 | Vale East LLC | 29 Oct | 380 | Fund quarterly tax payment | |
| Submitted | 520 | Vale West LLC | 01 Nov | 110 | Transfer operating cash to payroll | |
| Submitted | 210 | Vale Canada Ltd | 01 Nov | 570 | Transfer operating cash to payroll |
6 of 6 records
Vale Treasury LLCRisk model runs · RMR-72089
SubmittedRevision60
Submitted at14 Oct
Initial deposit USD520
ParentMove collateral to custody account
OrganizationVale Holdings LLC
Accounts and counterparties
Maintain provider relationships, accounts and dated balance snapshots.
- Organization scope
- Counterparties and accounts
- Snapshots
- Organizations
- Financial counterparties
- Financial accounts
- Account snapshots
- Exchange rates
- Instruction accounts
OverviewActive financial accounts×
Financial Risk Management · Accounts and counterparties
New
Active financial accounts
Financial accounts
| Account code | Provider | External account ID | Currency | Active | Owner | |
|---|---|---|---|---|---|---|
| CASH-OPERATING | Larchmont Community Bank | Account ending 4812 | USD | Yes | North Reach Bank | |
| CASH-PAYROLL | Silver Quay Trust | Account ending 0937 | EUR | Yes | Stonewell Financial Services | |
| CASH-RESERVE | Cedarhaven Custody | Account ending 6204 | GBP | Yes | North Reach Bank | |
| CUST-COLLATERAL | North Reach Bank | Account ending 7741 | CAD | Yes | North Reach Bank | |
| CASH-SUPPLIERS | Blue Harbor Settlement | Account ending 3568 | JPY | Yes | Stonewell Financial Services |
6 of 6 records
CASH-OPERATINGFinancial accounts · FA-67273
USDProviderLarchmont Community Bank
External account IDAccount ending 4812
ActiveYes
OwnerNorth Reach Bank
Bank reconciliation
Compare provider movements and snapshots with confirmed banking instructions.
- Collect
- Compare
- Resolve
- Reconciliation items
- Financial accounts
- Account snapshots
- Bank instructions
- Bank evidence
- Instruction accounts
OverviewUnmatched movements×
Financial Risk Management · Bank reconciliation
New
Unmatched movements
Reconciliation items
| Provider event ID | Occurred at | Amount USD | State | Account | Matched instruction | |
|---|---|---|---|---|---|---|
| EVT-20261015-318 | 31 Oct | 130 | Unmatched | Payroll clearing, Larchmont | Fund October supplier payments | |
| EVT-20261014-305 | 16 Oct | 940 | Exception | Payroll clearing, Larchmont | Fund quarterly tax payment | |
| EVT-20261013-297 | 24 Oct | 100 | Unmatched | Operating cash, Larchmont | Fund October supplier payments | |
| EVT-20261012-281 | 04 Nov | 280 | Exception | Tax funding, Bayfield | Transfer operating cash to payroll | |
| EVT-20261011-274 | 25 Oct | 550 | Unmatched | Operating cash, Larchmont | Settle short-term note |
6 of 6 records
EVT-20261015-318Reconciliation items · RI-60362
UnmatchedOccurred at31 Oct
Amount USD130
AccountPayroll clearing, Larchmont
Matched instructionFund October supplier payments
Process
From instruction to matched movement
Treasury instruction to reconciled outcome ships ready to use. One step needs a named approval before the work moves on: Review instruction (Independent Treasury Approver).
Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.
-
Prepare instruction
Scope the amount, owner, counterparty and accounts.
Transfer operating cash to payrollBI-89922 · Treasury PreparerPrepare instructionBy Treasury Preparer -
Review instruction
An independent approver decides the current revision.
Transfer operating cash to payrollBI-89922 · Independent Treasury ApproverReview instructionBy Independent Treasury ApproverApprovalIndependent Treasury Approver decides the current instruction revision. -
Submit instruction
Keep the provider reference with the instruction.
Transfer operating cash to payrollBI-89922 · Treasury PreparerSubmit instructionBy Treasury Preparer -
Confirm provider outcome
Check verified confirmation or settlement evidence.
Transfer operating cash to payrollBI-89922 · Treasury PreparerConfirm provider outcomeBy Treasury Preparer -
Match movement
Compare account, amount and occurrence date exactly.
Transfer operating cash to payrollBI-89922 · Treasury PreparerMatch movementBy Treasury Preparer -
Verify completion
Check the receipt against persisted effects.
Transfer operating cash to payrollBI-89922 · AuditorVerify completionBy Auditor
Inside a record
Provider evidence in context
Open any bank instruction to see its operation receipts, the roles that work on it, its process stages and its approvals on one page.
- 1Record details
Amount USD, Requested at, Owner and Counterparty.
- 2Operation receipts
Each line is linked to this bank instruction.
- 3Who works on it
Treasury Preparer and Admin, each with their own permissions.
- 4Process stages
Every status change, in order.
- 5Approvals
Review instruction, with who decides.
Instructions in reviewTransfer operating cash to payroll×
Financial Risk Management · Bank instructions
Log activity
Transfer operating cash to payroll
Elmcrest Credit Union · Review
1
Record details
Amount USD150
Requested at02 Nov
OwnerLuca Moretti
CounterpartyElmcrest Credit Union
2
Operation receipts
Transfer operating cash to payroll
| Operation key | Action | Expected revision |
|---|---|---|
| cash-transfer-20261015-01 | Submit transfer | 50 |
| cash-sweep-20261014-02 | Approve instruction | 220 |
| tax-fund-20261012-01 | Confirm settlement | 680 |
- Operation receipts
- 6
- Total expected revision
- 2,190
3
Who works on it
- Treasury PreparerManage bank instructions, record attachments, risk model runs
- AdminManage Organizations, team members, financial counterparties
5
Approvals
- Review instructionIndependent Treasury ApproverApproved
Approvals
Independent decisions with reasons
A reviewer decides the current revision and cannot approve their own submission.
OverviewApprovals×
Financial Risk Management · Overview
Approvals
Signed in as Independent Treasury Approver
Waiting for you
4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
- BI-89922Transfer operating cash to payrollReview1dActions
- BI-40202Fund October supplier paymentsReview2dActions
- BI-89843Sweep excess cash to reserveReview5dActions
- BI-72954Move collateral to custody accountReview5dActions
Who approves what
| Decision | Approver | |
|---|---|---|
| Review instructionAn independent approver decides the current revision. | Independent Treasury Approver |
1 approval rule · set per role in Proto
Roles
A workspace for each role
Everyone opens Financial Risk Management to the work that is theirs. Pick a role to see what it starts with.
Auditor
Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
This is the first screen this role sees.
OverviewAccount application outcomes×
Account application outcomes
Risk model runs · Auditor
Approved3
APP-2026-0418Move collateral to custody account
40
22 OctAPP-2026-0427Replenish regional disbursement account
370
24 OctAPP-2026-0436Fund quarterly tax payment
100
21 OctAdd
Completed2
APP-2026-0421Fund October supplier payments
590
12 OctAPP-2026-0430Move collateral to custody account
320
04 NovAdd
Rejected1
APP-2026-0442Fund quarterly tax payment
680
19 OctAdd
App Administrator
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
This is the first screen this role sees.
OverviewActive counterparties×
Active counterparties
Financial counterparties · App Administrator
| Name | Code | Active | Contact name | Eligibility note | Organization | |
|---|---|---|---|---|---|---|
| Larchmont Community Bank | LARCHMONT | Yes | Elise Morgan | Approved for domestic wires | Vale West LLC | |
| Silver Quay Trust | SILVER-QUAY | Yes | Arif Rahman | Custody agreement renewed in June | Vale Europe Ltd | |
| Cedarhaven Custody | CEDARHAVEN | Yes | Bianca Rossi | Settlement limit reviewed quarterly | Vale Property LLC | |
| North Reach Bank | NORTH-REACH | Yes | Tariq Saleh | ACH origination enabled | Vale Property LLC | |
| Blue Harbor Settlement | BLUE-HARBOR | Yes | Naomi Park | International transfers require review | Vale Europe Ltd |
6 of 6 records
Independent Treasury Approver
Review eligible instruction revisions independently and reconcile operational evidence. Approve or reject through guarded actions only; no unrestricted editing of protected or executed records; a reviewer cannot approve their own submission.
This is the first screen this role sees.
OverviewProvider outcome queue×
Provider outcome queue
Bank instructions · Independent Treasury Approver
Submitted3
Transfer operating cash to payrollTRF-20261015-4821
210
24 OctSweep excess cash to reserveSWP-20261012-0941
740
22 OctSettle short-term noteTRF-20261008-4798
790
25 OctAdd
Pending3
Fund October supplier paymentsTRF-20261014-4815
60
28 OctMove collateral to custody accountPMT-20261010-7732
320
20 OctReplenish regional disbursement accountPMT-20261005-7689
610
28 OctAdd
Treasury Preparer
Prepare assigned operational records and execute eligible reviewed actions. Own organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.
This is the first screen this role sees.
OverviewProvider outcome queue×
Provider outcome queue
Bank instructions · Treasury Preparer
Submitted3
Transfer operating cash to payrollTRF-20261015-4821
210
24 OctSweep excess cash to reserveSWP-20261012-0941
740
22 OctSettle short-term noteTRF-20261008-4798
790
25 OctAdd
Pending3
Fund October supplier paymentsTRF-20261014-4815
60
28 OctMove collateral to custody accountPMT-20261010-7732
320
20 OctReplenish regional disbursement accountPMT-20261005-7689
610
28 OctAdd
Admin
Maintains application access and configuration without making treasury approval decisions.
- Manage Organizations, team members, financial counterparties
- View bank instructions, operation receipts
Reports
Questions grounded in records
Answer operational questions from instruction, provider and reconciliation records.
Overview×
Financial Risk Management · Overview
Financial Risk Management dashboard
This quarter
Risk model runs in view
6Approved
3Completed
2Rejected
1Bank instructions by status
How far records got this quarter
| Stage | Reached | Step | |
|---|---|---|---|
| Draft | 30 | ||
| Review | 22 | 73% | |
| Authorized | 15 | 68% | |
| Submitted | 11 | 73% |
Amount USD by status
Sample totals per stage
- 01Instruction amounts by status
Sum bank instruction amount USD by Status and Organization for a selected requested at period.
- 02Provider outcomes by counterparty
Show confirmed and pending instructions by Counterparty and provider instruction ID.
- 03Independent decision history
List review decision decision, source revision, Reviewer and decided at with the parent instruction.
- 04Unmatched provider movements
Show reconciliation items in Unmatched or Exception by Account, occurred at and amount USD.
- 05Balance snapshots by account
Compare account snapshot ledger USD and available USD by Account and as of.
- 06Operation receipt follow-up
Show operation receipts by result state, Action, occurred at and failure reason.
- 07Account application progress
Group risk model runs by Status and Organization with submitted at and decision at.
- 08Provider evidence register
List bank evidence by Parent, evidence type, Verified, occurred at and provider event ID.
Who it's for
Built for treasury operations
See how Financial Risk Management fits your kind of team.
Corporate treasury teams
Coordinate banking instructions and evidence across an organization's provider accounts.
Banking operations teams
Trace instruction handling, provider responses and reconciliation exceptions.
Financial services operations
Manage counterparties, provider account applications and treasury evidence.
Controls
Trace each effect
Each stage of treasury instruction to reconciled outcome names the role that acts and the status it records, so a change is never anonymous.
OverviewTreasury instruction to reconciled outcome×
Financial Risk Management · Process
Treasury instruction to reconciled outcome
Each stage, the role that acts and the status it records
Process stages
10Approval steps
1Roles involved
3Tables touched
8Review instructionApproval
Independent Treasury ApproverStatusReview → Authorized
RecordsReview decisions
Submit instruction
Treasury PreparerStatusAuthorized → Submitted
Observe provider response
Treasury PreparerStatusSubmitted → Pending
RecordsBank evidence
- StartReview decisionsReview instructionReview → Authorized
- StepTreasury PreparerSubmit instructionAuthorized → Submitted
- StepBank evidenceObserve provider responseSubmitted → Pending
- StepTreasury PreparerConfirm provider outcomePending → Confirmed
- StepRisk model runsReview account applicationSubmitted → Approved
AI agent
Ask Proto about the work
Use an assistant to inspect treasury work while people retain financial decisions.
It can
- Treasury Preparer: Show draft instructions assigned to my team, with their counterparty and account scopes, before I send one for review.
- Independent Treasury Approver: Gather the current instruction revision, supporting attachments and prior decisions for an instruction in Review.
- Auditor: Trace a confirmed instruction from its decision through provider evidence, receipt and matched movement.
Stays with a person
- An assistant can collect and explain records within its access.
- Independent Treasury Approver still decides an instruction or account application.
- A provider confirmation needs verified provider evidence, and a reconciled movement needs the exact account, amount and occurrence date.
- The assistant should surface a discrepancy for a person to resolve rather than silently changing a financial record.
Show the instructions still waiting for a provider outcome. For each one, include its owner, counterparty, provider reference and any receipt needing review.
An assistant can collect and explain records within its access.
Data model
Your data, in tables you can change
Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.
Browse all 15 tables15tables
- Banking instructions7
- Independent review6
- Provider outcomes5
- Account applications6
- Accounts and counterparties7
- Bank reconciliation6
Implementation
Roll out one team at a time
Start with one team and one process, then add the rest once the basics are running.
Set the operating scope
Choose the first organization, provider counterparty and financial accounts. Assign Treasury Preparer, Independent Treasury Approver, Auditor and App Administrator to the correct organization.
Prepare source records
Confirm account codes, provider identifiers, currencies and active states. Bring in a dated balance snapshot and a representative instruction with its supporting documents.
Rehearse a decision
Have the preparer create an instruction and the independent approver decide its current revision. Repeat after changing an amount to test renewed review.
Follow provider evidence
Record the provider instruction identifier, then distinguish its acknowledgement from confirmation and any correction in the provider evidence. Check the operation receipt against actual effects.
Reconcile the result
Bring in a source-identified movement and match it only to a confirmed instruction on the same account with exact amount and occurrence date. Investigate a deliberate mismatch.
Pricing
$0per user
The base account and everyday work in the ERP.AI app are free, for every user.
- No per-user or per-seat fees
- Viewing, editing, approving and exporting records in the app is free
- Pay only for machine work: API calls, imports, workflows and AI agents
- Prepaid credits from $5. Purchased credits never expire
Machine work rate card Included per $1 of credit
| Usage | Per $1 |
|---|---|
| Record reads (list, filter, get) | 20,000 |
| Search or aggregate queries | 4,000 |
| Record writes | 4,000 |
| Imported or synced records | 200,000 |
| Workflow runs | 2,000 |
| AI agent runs | 2,000 |
| Scheduled jobs or webhooks | 20,000 |
| File uploads (MB) | 2,000 |
| CSV or PDF exports | 100 |
How do I get started?
Click Get started, then use Proto to configure Financial Risk Management for your business. Begin with one organization, an eligible counterparty, a provider account and one instruction that your team can review and reconcile.
Who prepares an instruction?
Treasury Preparer records the organization, owner, counterparty, amount and debit and credit account scopes, then attaches the supporting request.
Who approves it?
Independent Treasury Approver checks the current instruction revision and evidence. The decision retains the reviewer, reason and time. The preparer cannot approve their own submission.
What does Authorized mean?
It records the outcome of an independent instruction review. It is a separate stage from provider submission and confirmation.
When is an instruction Confirmed?
The team checks verified provider confirmation or settlement evidence tied to the instruction. A submission acknowledgement alone is still a provider response to follow.
How are account applications handled?
An application links to a banking instruction and organization. The team records the applicant, initial deposit, provider application identifier and independent decision on the submitted revision.
What makes a movement Matched?
The movement must agree exactly in amount and confirmed occurrence date with an instruction linked to the same financial account. Differences remain visible for investigation.
What happens when a provider response is uncertain?
The team checks the provider reference, existing operation receipt and recorded effects before another action. A discrepancy stays in needs review with its reason.
Can auditors change records?
Auditor has read-only access to authorized evidence and reports within their assigned scope.
Where do provider balance figures come from?
Dated account snapshots carry the provider's ledger and available balances with the provider snapshot identifier. The implementation team agrees the source and cadence of those snapshots.
Set up Financial Risk Management your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.