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Treasury Operations · Available now

Every payment authorized, evidenced and reconciled.

Treasury Operations runs the treasury desk's banking instructions and deals for one or more legal entities, from the first draft to a reconciled account. The Treasury Preparer raises each typed bank instruction against an eligible counterparty with an amount in US dollars, requested and value dates, and balanced debit and credit legs on provider-held accounts.

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  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewInstructions Awaiting Authorization
Treasury Operations · Bank instructions

Instructions Awaiting Authorization

Bank instructions in one list

New bank instruction
Bank instructions in view
6
Total amount USD
2,520
Record numberSubjectCounterpartyAmount USDRequested atValue date
BI-11477Sweep operating cash to payrollMeridian Grove Bank31027 Oct01 Nov
BI-46077Fund October supplier paymentsPinecrest Treasury Services96024 Oct01 Nov
BI-43253Transfer reserve to operating accountSlate River Capital47029 Oct05 Nov
BI-24977Settle euro equipment purchaseNorth Harbor Commercial Bank33031 Oct02 Nov
BI-82430Place overnight cash depositSlate River Capital35029 Oct31 Oct
6 of 6 records
Sweep operating cash to payrollBank instructions · BI-11477
CounterpartyMeridian Grove Bank
Amount USD310
Requested at27 Oct
Value date01 Nov
OwnerElias Haddad
Instruction authorizationBI-11477 · Sweep operating cash to payroll

Treasury Approver, never the preparer, authorizes each instruction revision.

Waiting for Treasury Approver
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
16
Roles with set permissions
7
Reports and dashboards
10
Features

Screens for preparers, approvers, settlement and reconciliation

Every feature works on the same records. Pick one to see the screen your team works in.

Counterparties and accounts

Keep the banks, dealers and fund counterparties you may deal with, and the provider-held accounts your instructions move money between.

  • One entity, one approved list
  • Eligibility in writing
  • Accounts with external identity
  • Financial counterparties
  • Financial accounts
  • Organizations
  • Team members
  • Users
Explore counterparties and accounts
OverviewApproved Counterparties
Treasury Operations · Counterparties and accounts

Approved Counterparties

Financial counterparties

New
CodeNameContact nameAddressEligibility noteOrganization
NHBNorth Harbor Commercial BankLeila Morgan184 Harbor Quay, Portland, ORApproved for USD wires up to $5mElmbridge Properties LLC
CVTCedar Vale TrustHassan Nouri72 Cedar Plaza, Seattle, WAFX spot only; no derivatives mandateNorthmere Logistics Inc
MGBMeridian Grove BankElena Costa410 Grove Street, Denver, COAnnual KYC current through June 2027Harborline Manufacturing LLC
SRCSlate River CapitalVictor Chen29 Slate Avenue, Boston, MADeposit tenor limited to 30 daysCedarfield Components Ltd
PTSPinecrest Treasury ServicesAnika Rao805 Pine Road, Austin, TXCollateral transfers require dual signoffHarborline Manufacturing LLC
6 of 6 records
NHBFinancial counterparties · FC-80937
NameNorth Harbor Commercial Bank
Contact nameLeila Morgan
Address184 Harbor Quay, Portland, OR
Eligibility noteApproved for USD wires up to $5m
OrganizationElmbridge Properties LLC
Example screen with sample data
Process

From instruction to reconciled settlement

Instruction to reconciled settlement ships ready to use. 2 steps need a named approval before the work moves on: Instruction authorization (Treasury Approver) and Deal confirmation (Treasury Approver).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Instruction preparation

    Raise the instruction with counterparty, amount, value date and balanced legs.

    Sweep operating cash to payrollBI-11477 · Treasury Preparer
    Instruction preparationBy Treasury Preparer

  2. Instruction authorization

    An independent approver decides on the exact revision before it goes to the bank.

    Sweep operating cash to payrollBI-11477 · Treasury Approver
    Instruction authorizationBy Treasury Approver
    ApprovalTreasury Approver, never the preparer, authorizes each instruction revision.

  3. Submission to bank

    Submit once under a stable key and hold uncertain outcomes for review.

    Sweep operating cash to payrollBI-11477 · Settlement Officer
    Submission to bankBy Settlement Officer

  4. Settlement confirmation

    Confirm only on verified settlement or confirmation evidence.

    Sweep operating cash to payrollBI-11477
    Settlement confirmation

  5. Deal confirmation

    Approve the FX, money market or ALM deal and complete it on verified evidence.

    Sweep operating cash to payrollBI-11477 · Treasury Preparer
    Deal confirmationBy Treasury Preparer
    ApprovalTreasury Approver approves or rejects each submitted deal.

  6. Bank reconciliation

    Match statement entries exactly and explain every difference per account.

    Sweep operating cash to payrollBI-11477 · Reconciliation Analyst
    Bank reconciliationBy Reconciliation Analyst

Start with Instruction to authorization

Inside a record

One instruction from draft to bank statement

Open any bank instruction to see its bank evidence, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Counterparty, Amount USD, Requested at and Value date.

  2. 2
    Bank evidence

    Each line is linked to this bank instruction.

  3. 3
    Who works on it

    Admin, Treasury Manager and Treasury Preparer, each with their own permissions.

  4. 4
    Process stages

    Instruction preparation, with the role that acts.

  5. 5
    Approvals

    Instruction authorization and Deal confirmation, with who decides.

Instructions Awaiting AuthorizationSweep operating cash to payroll
Treasury Operations · Bank instructions

Sweep operating cash to payroll

Meridian Grove Bank

Log activity
1
Record details
CounterpartyMeridian Grove Bank
Amount USD310
Requested at27 Oct
Value date01 Nov
2
Bank evidence

Sweep operating cash to payroll

ParentLine numberRevision
Settle euro equipment purchase630940
Repatriate subsidiary dividend420380
Settle euro equipment purchase870390
Bank evidence
6
Total line number
3,890
3

Who works on it

  • AdminManage Organizations, team members, Users, financial…
  • Treasury ManagerManage financial counterparties, financial accounts, team…
  • Treasury PreparerManage bank instructions, instruction accounts, record…
4

Process stages

  • Instruction preparationTreasury Preparer
5

Approvals

  • Instruction authorizationTreasury Approver
    Approved
  • Deal confirmationTreasury Approver
    Waiting
Example screen with sample data
Approvals

Two people on every movement of money

OverviewApprovals
Treasury Operations · Overview

Approvals

Signed in as Treasury Approver

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • BI-85369Sweep operating cash to payroll
    Pinecrest Treasury ServicesRequested by Admin
    Waiting2dActions
  • BI-13951Fund October supplier payments
    Slate River CapitalRequested by Admin
    Waiting1dActions
  • BI-54870Transfer reserve to operating account
    Pinecrest Treasury ServicesRequested by Admin
    Waiting5dActions
  • BI-15267Settle euro equipment purchase
    North Harbor Commercial BankRequested by Admin
    Waiting3dActions

Who approves what

DecisionApprover
Instruction authorizationAn independent approver decides on the exact revision before it goes to the bank.Treasury Approver
Deal confirmationApprove the FX, money market or ALM deal and complete it on verified evidence.Treasury Approver
Approve bank instructions, treasury dealsTreasury Approver
Approve bank instructionsSettlement Officer
4 approval rules · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Treasury Operations to the work that is theirs. Pick a role to see what it starts with.

Admin

Configures organizations, team members, users and access, and corrects records across the app.

  • Manage Organizations, team members, Users, financial counterparties, financial accounts, bank instructions, instruction accounts, bank evidence, treasury deals, review decisions, record attachments, account snapshots, reconciliation items, operation receipts
  • View exchange rates

Roles and permissions

Reports

Settlement, open amounts, deals and exceptions

Review instruction states, verified settlement, open amounts by counterparty, deal volume, approvals and reconciliation exceptions.

Overview
Treasury Operations · Overview

Treasury Operations dashboard

This quarter

Treasury deals in view
6
Total notional USD
2,610

Bank instructions by status

How far records got this quarter

StageReachedStep
Draft37
Review719%
Authorized229%
Submitted150%

Amount USD by status

Sample totals per stage

2.0k0
-6000Draft
2.0kReview
-3000Authorized
-1000Submitted
0Pending
Example screen with sample data
  1. 01Instruction state distribution

    Bank instructions by Status per Organization, matching the Operations Overview page.

  2. 02Verified settlement by week

    Confirmed bank instructions amount USD by confirmed at week.

  3. 03Open instructions by counterparty

    Amount USD of Authorized, Submitted and Pending bank instructions by Counterparty, then by Status.

  4. 04Deal volume by instrument

    Treasury deals notional USD by Instrument, then by Status, for a trade date range.

  5. 05Review outcomes

    Review decisions by Decision, then by Reviewer, with Reason for Reject and Return.

  6. 06Authorization turnaround

    Days from requested at to decided at of the Approve decision per instruction.

  7. 07Unbalanced instructions

    Bank instructions whose Debit and Credit instruction accounts amount USD totals differ.

  8. 08Reconciliation exceptions

    Reconciliation items at Unmatched or Exception by Account, with provider event ID and amount USD.

  9. 09Ledger against available

    Account snapshots ledger USD against available USD per Account by as of.

All reports and dashboards

Who it's for

Fit the treasury you run

See how Treasury Operations fits your kind of team.

Corporate treasury teams

Group treasuries running payments, intercompany funding, FX and deposits for several legal entities.

Fund and asset managers

Money market and FX activity for funds, with approved dealing counterparties and evidence for every settlement.

Regional banks and credit unions

Treasury desks placing and borrowing funds in the money market and running ALM hedges with correspondent banks.

Controls

Confirmed only on the bank's evidence

Each stage of instruction to reconciled settlement names the role that acts and the status it records, so a change is never anonymous.

OverviewInstruction to reconciled settlement
Treasury Operations · Process

Instruction to reconciled settlement

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
2
Roles involved
5
Tables touched
13
Instruction preparation
Treasury Preparer
StatusDraft → Review
RecordsInstruction accounts, Record attachments, Bank instructions
Instruction authorizationApproval
Treasury Approver, Treasury Preparer
StatusReview → Authorized
RecordsOperation receipts, Review decisions, Organizations
Submission to bank
Settlement Officer
StatusAuthorized → Submitted
Instruction to reconciled settlement
  1. Start
    Instruction preparationDraft → Review
    Instruction accounts
  2. Approval
    Instruction authorizationReview → Authorized
    Operation receipts
  3. Step
    Submission to bankAuthorized → Submitted
    Settlement Officer
  4. Step
    Settlement confirmationPending → Confirmed
    Bank evidence
  5. Approval
    Deal confirmationDraft → Submitted
    Review decisions
Example screen with sample data

See each stage in detail

AI agent

Prepare the day's instructions with Proto

Prepare and review instructions, deals and reconciliation with Proto.

It can

  • Treasury Preparer: List my draft instructions whose debit and credit legs do not balance.
  • Treasury Approver: Show instructions waiting in Review with value date today, with counterparty eligibility notes.
  • Settlement Officer: List Pending instructions and any unverified evidence received for them.
  • Reconciliation Analyst: Group today's reconciliation exceptions by account with amount and date.

Stays with a person

  • Authorizations and deal approvals belong to the Treasury Approver; confirmation needs verified bank evidence.
  • Proto works with the signed-in person's permissions and entity.
  • It can find exceptions, prepare drafts and explain a balance; it does not approve an instruction, submit a payment or confirm settlement on anyone's behalf.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Treasury Operations
  • Banks and payment gateways
  • Trading platforms
  • Statement imports
  • General ledger
  • Identity provider
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 tables
15tables
  • Counterparties and accounts5
  • Bank instructions5
  • Review and authorization4
  • Settlement and evidence3
  • Treasury deals4
  • 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.

  1. Agree the operating boundary

    The app runs counterparties and accounts, bank instructions, independent authorization, settlement evidence, treasury deals and bank reconciliation. Bank connectivity, trading platforms, market data, risk analytics, cash forecasting and the general ledger remain connected systems. Your approvers decide authorizations; Proto prepares information and configuration for review.

  2. Map the source data

    Gather entities, counterparties with eligibility, accounts with provider identifiers, opening balances, open instructions and deals, and sample statements.

  3. Configure a bounded pilot

    Pilot one legal entity and two banks for one month. Run every instruction and deal through approval, submission, confirmation and reconciliation.

  4. Rehearse the exceptions

    A preparer must not approve their own instruction. A timed-out submission must be held as Pending and never resubmitted automatically. A statement entry with a different amount must stay an exception. A confirmed instruction must be corrected only through an approved compensating instruction.

  5. Reconcile and release

    Compare confirmed movements and closing balances with the bank portals. Obtain sign-off from the Treasury Manager and the approvers, keep an export of the source and agree the rollback window before cutover.

Read the implementation plan

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

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Treasury Operations.

All questions
How do I get started?

Click Get started, then use Proto to configure Treasury Operations for your business. Pilot one legal entity and two banks for one month. Run every instruction and deal through approval, submission, confirmation and reconciliation, and compare the results with your bank portals before adding entities.

Who approves a payment?

A Treasury Approver in the same entity who did not prepare it. The decision is Approve, Reject or Return with a reason, against the exact revision.

What happens if the bank connection times out?

The instruction is held as Pending and flagged for review. It is not sent again automatically; the settlement officer checks with the bank first.

When is an instruction confirmed?

Only when verified settlement or confirmation evidence from the bank is in.

Does it handle FX and money market deals?

Yes. Deals are recorded under the instruction that settles them, with instrument, trade date, notional and the counterparty's confirmation, and complete on verified evidence.

Does it calculate risk limits or ALM analytics?

No. Risk limits, market data and ALM analytics stay in your risk systems. Counterparty eligibility is recorded in each counterparty's eligibility note.

How does reconciliation work?

Statement entries are matched exactly to confirmed instructions by provider identifier, amount and date. Anything that does not match becomes an exception to explain.

Can we cancel a payment?

An instruction not yet sent is cancelled with a reason and kept on record. An instruction already sent or settled is reversed through an approved compensating instruction.

Can we migrate from spreadsheets?

Prepare counterparties, accounts with provider identifiers, opening balances and open instructions. Rehearse one month and reconcile it before extending the migration.

What drives the cost?

Ordinary manual use has no per-user charge under the platform policy. Imports, integrations, agent execution and other machine work consume prepaid credits; implementation is scoped separately. The pricing page lists the current rates.

Set up Treasury Operations your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

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