Integrations
Connects to the tools you use
Set up connections through ERP.AI and Proto workflows, with every change logged.
- Neobank Backend
- Banking provider
- Account data source
- Movement source
- Document source
Neobank Backend · Available now
Example screen with sample data
Control treasury instructions from preparation through provider confirmation.
Neobank Backend gives a treasury team a common record for banking instructions, their debit and credit account scope, and the counterparty involved. A Treasury Preparer owns an instruction for an organization, records its amount and requested date, and assembles supporting attachments before independent review.
- No per-user fees
- Manual work is free
- Configure it in Proto
OverviewDraft Instructions×
Neobank Backend · Bank instructions
New bank instruction
Draft Instructions
review waits for the treasury preparer
Bank instructions in view
6Total amount USD
1,480Draft
6| Record number | Subject | Status | Requested at | Amount USD | Owner | |
|---|---|---|---|---|---|---|
| BI-95335 | October payroll funding transfer | Draft | 28 Oct | 280 | Elena Vargas | |
| BI-60532 | Reserve sweep to operating account | Draft | 26 Oct | 20 | Omar Haddad | |
| BI-86861 | Merchant settlement to treasury | Draft | 26 Oct | 170 | Anika Shah | |
| BI-59743 | Custody fee payment | Draft | 11 Oct | 380 | Elena Vargas | |
| BI-88597 | Quarterly tax reserve transfer | Draft | 16 Oct | 490 | Daniel Okafor |
6 of 6 records
October payroll funding transferBank instructions · BI-95335
DraftRequested at28 Oct
Amount USD280
OwnerElena Vargas
Review instructionBI-95335 · October payroll funding transfer
Independent Treasury Approver reviews a frozen revision and records the decision.
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.
Instruction workspace
Prepare a typed banking instruction and follow its owner, amount and status.
- Own the draft
- Define the accounts
- Request review
- Bank instructions
- Organizations
- Financial counterparties
- Instruction accounts
- Record attachments
OverviewAuthorized Instructions×
Neobank Backend · Instruction workspace
New
Authorized Instructions
Submission waits for the treasury preparer
| Record number | Subject | Status | Value date | Amount USD | Counterparty | |
|---|---|---|---|---|---|---|
| BI-94143 | October payroll funding transfer | Authorized | 17 Oct | 70 | Cedar Harbor Bank | |
| BI-98687 | Reserve sweep to operating account | Authorized | 15 Oct | 350 | Northvale Custody Trust | |
| BI-39430 | Merchant settlement to treasury | Authorized | 19 Oct | 810 | Meridian Settlement Partners | |
| BI-64609 | Custody fee payment | Authorized | 01 Nov | 340 | Stonebridge Treasury Services | |
| BI-56309 | Quarterly tax reserve transfer | Authorized | 17 Oct | 380 | Cedar Harbor Bank |
6 of 6 records
October payroll funding transferBank instructions · BI-94143
AuthorizedValue date17 Oct
Amount USD70
CounterpartyCedar Harbor Bank
Independent review
Keep revision-bound decisions separate from preparation and provider execution.
- Check independence
- Freeze the revision
- Record the decision
- Bank instructions
- Review decisions
- Team members
- Operation receipts
OverviewInstruction Review Queue×
Neobank Backend · Independent review
New
Instruction Review Queue
Bank instructions
| Record number | Subject | Status | Revision | Amount USD | Owner | |
|---|---|---|---|---|---|---|
| BI-99780 | October payroll funding transfer | Review | 840 | 530 | Elena Vargas | |
| BI-35314 | Reserve sweep to operating account | Review | 90 | 490 | Leila Mansour | |
| BI-70721 | Merchant settlement to treasury | Review | 950 | 200 | Samuel Adeyemi | |
| BI-20304 | Custody fee payment | Review | 190 | 220 | Samuel Adeyemi | |
| BI-85706 | Quarterly tax reserve transfer | Review | 620 | 320 | Omar Haddad |
6 of 6 records
October payroll funding transferBank instructions · BI-99780
ReviewRevision840
Amount USD530
OwnerElena Vargas
Provider execution
Track authorized instructions through submission and verified provider outcome.
- Submit reviewed scope
- Keep the provider reference
- Verify the outcome
- Bank instructions
- Bank evidence
- Operation receipts
- Financial counterparties
OverviewConfirmed Instructions×
Neobank Backend · Provider execution
New
Confirmed Instructions
Bank instructions
| Record number | Subject | Status | Confirmed at | Amount USD | Counterparty | |
|---|---|---|---|---|---|---|
| BI-48434 | October payroll funding transfer | Confirmed | 16 Oct | 820 | Willowcrest Payments | |
| BI-21978 | Reserve sweep to operating account | Confirmed | 21 Oct | 30 | Summit Vale Custodians | |
| BI-55962 | Merchant settlement to treasury | Confirmed | 04 Nov | 650 | Meridian Settlement Partners | |
| BI-69732 | Custody fee payment | Confirmed | 26 Oct | 800 | Summit Vale Custodians | |
| BI-90518 | Quarterly tax reserve transfer | Confirmed | 24 Oct | 300 | Bluefield Clearing Bank |
6 of 6 records
October payroll funding transferBank instructions · BI-48434
ConfirmedConfirmed at16 Oct
Amount USD820
CounterpartyWillowcrest Payments
Provider account links
Review provider account link applications against their parent instruction.
- Scope the link
- Review the revision
- Record the outcome
- Provider account links
- Bank instructions
- Organizations
- Review decisions
OverviewSubmitted Provider Links×
Neobank Backend · Provider account links
New
Submitted Provider Links
Approval conditions
| Status | Revision | Submitted at | Applicant | Provider application ID | Parent | |
|---|---|---|---|---|---|---|
| Submitted | 290 | 20 Oct | Cedar Harbor Bank | APP-CHB-2026-418 | Liquidity buffer replenishment | |
| Submitted | 280 | 20 Oct | Northvale Custody Trust | APP-NCT-2026-227 | Merchant settlement to treasury | |
| Submitted | 510 | 26 Oct | Meridian Settlement Partners | APP-MSP-2026-105 | Custody fee payment | |
| Submitted | 180 | 25 Oct | Bluefield Clearing Bank | APP-BCB-2026-884 | Vendor settlement batch | |
| Submitted | 80 | 11 Oct | Stonebridge Treasury Services | APP-STS-2026-352 | Merchant settlement to treasury |
6 of 6 records
Cedar Harbor BankProvider account links · PAL-33669
SubmittedRevision290
Submitted at20 Oct
Provider application IDAPP-CHB-2026-418
ParentLiquidity buffer replenishment
Bank reconciliation
Compare provider movements and balance snapshots with confirmed instructions.
- Identify the account
- Compare the instruction
- Retain differences
- Reconciliation items
- Account snapshots
- Financial accounts
- Bank instructions
- Instruction accounts
OverviewUnmatched Bank Movements×
Neobank Backend · Bank reconciliation
New
Unmatched Bank Movements
Reconciliation items
| Provider event ID | Occurred at | Amount USD | State | Account | Matched instruction | |
|---|---|---|---|---|---|---|
| EVT-2026-1015-441 | 31 Oct | 950 | Unmatched | Merchant payout account, USD | Reserve sweep to operating account | |
| EVT-2026-1015-442 | 13 Oct | 850 | Exception | Settlement reserve account, USD | Vendor settlement batch | |
| EVT-2026-1016-008 | 27 Oct | 710 | Unmatched | Liquidity buffer account, USD | Reserve sweep to operating account | |
| EVT-2026-1016-019 | 30 Oct | 240 | Exception | Operating account, USD | Quarterly tax reserve transfer | |
| EVT-2026-1017-203 | 17 Oct | 350 | Unmatched | Merchant payout account, USD | Vendor settlement batch |
6 of 6 records
EVT-2026-1015-441Reconciliation items · RI-36042
UnmatchedOccurred at31 Oct
Amount USD950
AccountMerchant payout account, USD
Matched instructionReserve sweep to operating account
Evidence and audit
Trace a treasury action from attachments through decisions, provider evidence and receipts.
- Follow the parent
- Compare authority
- Verify effects
- Record attachments
- Review decisions
- Bank evidence
- Operation receipts
- Bank instructions
OverviewVerified Provider Evidence×
Neobank Backend · Evidence and audit
New
Verified Provider Evidence
Bank evidence
| Provider event ID | Occurred at | Amount USD | Evidence type | Verified | Parent | |
|---|---|---|---|---|---|---|
| EVT-2026-1015-441 | 30 Oct | 510 | Statement | Yes | Liquidity buffer replenishment | |
| EVT-2026-1015-442 | 24 Oct | 590 | Confirmation | Yes | Vendor settlement batch | |
| EVT-2026-1016-008 | 25 Oct | 300 | Settlement | Yes | Custody fee payment | |
| EVT-2026-1016-019 | 18 Oct | 240 | Correction | Yes | Merchant settlement to treasury | |
| EVT-2026-1017-203 | 12 Oct | 200 | Statement | Yes | Reserve sweep to operating account |
6 of 6 records
EVT-2026-1015-441Bank evidence · BE-12585
StatementOccurred at30 Oct
Amount USD510
VerifiedYes
ParentLiquidity buffer replenishment
Process
From instruction to reconciliation
Treasury instruction control 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
Record the organization, counterparty, owner and amount.
October payroll funding transferBI-95335 · Treasury PreparerPrepare instructionBy Treasury Preparer -
Set account scope
Tie debit and credit amounts to provider-held accounts.
October payroll funding transferBI-95335 · Treasury PreparerSet account scopeBy Treasury Preparer -
Review instruction
An independent approver decides on the frozen revision.
October payroll funding transferBI-95335 · Independent Treasury ApproverReview instructionBy Independent Treasury ApproverApprovalIndependent Treasury Approver reviews a frozen revision and records the decision. -
Submit instruction
Record the provider identifier and operation receipt.
October payroll funding transferBI-95335 · Treasury PreparerSubmit instructionBy Treasury Preparer -
Confirm provider outcome
Check verified confirmation or settlement evidence.
October payroll funding transferBI-95335 · Treasury PreparerConfirm provider outcomeBy Treasury Preparer -
Reconcile bank movement
Match the account, amount and occurrence date.
October payroll funding transferBI-95335 · Independent Treasury ApproverReconcile bank movementBy Independent Treasury Approver
Inside a record
Provider records in context
Open any bank instruction to see its bank evidence, the roles that work on it, its process stages and its approvals on one page.
- 1Record details
Requested at, Amount USD and Owner.
- 2Bank evidence
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.
Draft InstructionsOctober payroll funding transfer×
Neobank Backend · Bank instructions
Log activity
October payroll funding transfer
Draft
1
Record details
Requested at28 Oct
Amount USD280
OwnerElena Vargas
2
Bank evidence
October payroll funding transfer
| Provider event ID | Occurred at | Amount USD |
|---|---|---|
| EVT-2026-1015-441 | 30 Oct | 510 |
| EVT-2026-1015-442 | 24 Oct | 590 |
| EVT-2026-1016-008 | 25 Oct | 300 |
- Bank evidence
- 6
- Total amount USD
- 1,930
3
Who works on it
- Treasury PreparerManage bank instructions, provider account links, record…
- AdminManage Users
5
Approvals
- Review instructionIndependent Treasury ApproverApproved
Approvals
Independent decisions
The approver reviews another person's submitted instruction revision through a guarded action.
OverviewApprovals×
Neobank Backend · Overview
Approvals
Signed in as Independent Treasury Approver
Waiting for you
4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
- PAL-33669Cedar Harbor BankSubmitted0dActions
- PAL-86858Northvale Custody TrustSubmitted1dActions
- PAL-74748Meridian Settlement PartnersSubmitted3dActions
- PAL-70414Bluefield Clearing BankSubmitted4dActions
Who approves what
| Decision | Approver | |
|---|---|---|
| Review instructionAn independent approver decides on the frozen revision. | Independent Treasury Approver |
1 approval rule · set per role in Proto
Roles
A workspace for each role
Everyone opens Neobank Backend 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.
OverviewConfirmed Instructions×
Confirmed Instructions
Bank instructions · Auditor
| Record number | Subject | Status | Confirmed at | Amount USD | Counterparty | |
|---|---|---|---|---|---|---|
| BI-48434 | October payroll funding transfer | Confirmed | 16 Oct | 820 | Willowcrest Payments | |
| BI-21978 | Reserve sweep to operating account | Confirmed | 21 Oct | 30 | Summit Vale Custodians | |
| BI-55962 | Merchant settlement to treasury | Confirmed | 04 Nov | 650 | Meridian Settlement Partners | |
| BI-69732 | Custody fee payment | Confirmed | 26 Oct | 800 | Summit Vale Custodians | |
| BI-90518 | Quarterly tax reserve transfer | Confirmed | 24 Oct | 300 | Bluefield Clearing Bank |
6 of 6 records
App Administrator
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
- Manage financial counterparties, Organizations, team members
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 Pending Instructions×
Provider Pending Instructions
Bank instructions · Independent Treasury Approver
Submitted3
October payroll funding transferTRF-2026-10482
130
Merchant settlement to treasurySWP-2026-00871
310
Quarterly tax reserve transferREV-2026-00218
110
Add
Pending3
Reserve sweep to operating accountTRF-2026-10483
730
Custody fee paymentPAY-2026-03146
210
Returned payment reversalSET-2026-05792
730
Add
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.
OverviewDraft Instructions×
Draft Instructions
Bank instructions · Treasury Preparer
| Record number | Subject | Status | Requested at | Amount USD | Owner | |
|---|---|---|---|---|---|---|
| BI-95335 | October payroll funding transfer | Draft | 28 Oct | 280 | Elena Vargas | |
| BI-60532 | Reserve sweep to operating account | Draft | 26 Oct | 20 | Omar Haddad | |
| BI-86861 | Merchant settlement to treasury | Draft | 26 Oct | 170 | Anika Shah | |
| BI-59743 | Custody fee payment | Draft | 11 Oct | 380 | Elena Vargas | |
| BI-88597 | Quarterly tax reserve transfer | Draft | 16 Oct | 490 | Daniel Okafor |
6 of 6 records
Admin
Set up access and review configuration while keeping treasury approval with the Independent Treasury Approver.
- Manage Users
- View Organizations, team members, bank instructions, review decisions
Reports
Questions the team can answer
Answer treasury questions from instructions, decisions and provider records.
Overview×
Neobank Backend · Overview
Neobank Backend dashboard
This quarter
Provider account links in view
6Draft
2Submitted
2Approved
1Bank instructions by status
How far records got this quarter
| Stage | Reached | Step | |
|---|---|---|---|
| Draft | 28 | ||
| Review | 10 | 36% | |
| Authorized | 4 | 40% | |
| Submitted | 1 | 25% |
Amount USD by status
Sample totals per stage
- 01Instruction status by organization
Group instructions by organization and current status with their recorded amounts.
- 02Pending provider outcomes
Show submitted and pending instructions with provider identifiers and requested dates.
- 03Review decisions by reviewer
Group recorded decisions by reviewer, decision, and decision date.
- 04Provider link outcomes
Show link status, applicant, provider application identifier, and decision date.
- 05Unmatched movements
Show source event, occurrence date, amount, account, and exception state.
- 06Account snapshot history
Compare ledger and available amounts by account and as-of date.
- 07Operation receipt exceptions
Show receipts needing review with their failure reason and expected revision.
- 08Evidence by instruction
Trace provider evidence type, verified flag, event date, and amount to its parent instruction.
Who it's for
Built for treasury teams
See how Neobank Backend fits your kind of team.
Controls
Trace every effect
Each stage of treasury instruction control names the role that acts and the status it records, so a change is never anonymous.
OverviewTreasury instruction control×
Neobank Backend · Process
Treasury instruction control
Each stage, the role that acts and the status it records
Process stages
10Approval steps
1Roles involved
2Tables touched
4Request review
Treasury PreparerStatusDraft → Review
Review instructionApproval
Independent Treasury ApproverStatusReview → Authorized
RecordsReview decisions
Submit instruction
Treasury PreparerStatusAuthorized → Submitted
- StartTreasury PreparerRequest reviewDraft → Review
- ApprovalReview decisionsReview instructionReview → Authorized
- StepTreasury PreparerSubmit instructionAuthorized → Submitted
- StepTreasury PreparerObserve provider outcomeSubmitted → Pending
- StepTreasury PreparerConfirm provider outcomePending → Confirmed
AI agent
Help with the next case
Ask Proto to help follow treasury cases and prepare review.
It can
- Treasury Preparer: Find my draft instructions and show which need account scope or supporting documents before review.
- Independent Treasury Approver: Summarize an instruction revision, its account scope and evidence for an independent decision.
- Auditor: Trace a confirmed instruction through its review decision, provider event and operation receipt.
- App Administrator: List organization and team membership for access review.
Stays with a person
- A person makes the independent review decision.
- Provider confirmation must come from verified evidence, and a movement requires the exact account, amount and occurrence date match.
- Ask the assistant to show the source records and unresolved discrepancy before taking an operational action.
Show the submitted instructions for my organization, with their provider identifiers and any verified confirmation evidence. Keep cases without a supported outcome in the pending list.
A person makes the independent review decision.
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
- Instruction workspace5
- Independent review4
- Provider execution4
- Provider account links4
- Bank reconciliation5
- Evidence and audit5
Implementation
Roll out one team at a time
Start with one team and one process, then add the rest once the basics are running.
Define scope
Choose the first organization, named team members and eligible financial counterparties.
Map accounts
Enter provider-held financial accounts and their external account identifiers; agree on debit and credit scoping.
Prepare a case
Create a draft instruction, attach support and send its revision for independent review.
Connect provider results
Record a provider identifier and verified confirmation or settlement event for the submitted instruction.
Reconcile and audit
Bring in a balance snapshot and movement, check the exact match rule, and trace the decision and receipt.
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 Neobank Backend for your business. Begin with one organization, its treasury team, eligible counterparties and a provider account. Rehearse an instruction from draft to reconciliation.
Who prepares an instruction?
The Treasury Preparer owns the draft and records its organization, counterparty, amount and account scope.
Who authorizes it?
The Independent Treasury Approver decides on the submitted revision and records the decision. The reviewer cannot approve their own submission.
When is an instruction confirmed?
Only after verified provider confirmation or settlement evidence supports the outcome.
How are provider account links reviewed?
A submitted link is checked against its parent instruction, frozen revision and supporting source evidence before its outcome is recorded.
What happens when a provider movement differs?
The movement remains unmatched or becomes an exception until the account, amount and confirmed occurrence date agree with a linked instruction.
How do we inspect an interrupted action?
Check its operation receipt, expected revision and effect references against persisted records without repeating the external action.
Can an auditor change a treasury record?
The Auditor has assigned read access to evidence and reports, without record writes or action execution.
Where do provider balances come from?
Connect the provider account source and retain dated ledger and available balance snapshots for each financial account.
How do we add another organization?
Map its team members, counterparties and provider accounts, then rehearse review and reconciliation within that scope.
Set up Neobank Backend your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.