# https://www.finmo.net/ llms-full.txt ## Finmo Treasury Management ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). # Connected financial intelligence and control Turn disparate financial data from your business into connected future-facing intelligence. And then act on it: move money globally, optimize liquidity, and manage FX risk from one treasury management platform. [Get started for free](https://dashboard.finmo.net/signup) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fedb0c7ae3859890e09b999c0c67db1cfe56d56bc-2000x1140.webp&w=3840&q=100) Treasury management for modern finance teams Realtime payments global payment and banking integrations Get started in minutes with simple sign up Why Choose Finmo? ## Connected intelligence and control for the modern CFO Overcome the challenges of data complexity, business silos and market volatility. With Finmo, CFOs can evolve from controllers of risk, to creators of opportunity. ![](https://cdn.sanity.io/images/3m8qrzh6/production/1a4a38e6066fddf8f3ceaf283a6d39c4b1df210c-548x656.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F33be6fffe5df28a48133e3f9ba028e0dddce3fec-1094x1312.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/81cdda12dbcb26da64c322abf7ca55110588bb1b-547x656.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc0c2849d739afd6de78fc3f7fb3b3da9d3e38939-1094x1312.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/1a4a38e6066fddf8f3ceaf283a6d39c4b1df210c-548x656.svg) Connect ## Unite your data Connect all your financial data across banks and softwares into a modern treasury management system for real-time visibility of global cash positions across accounts, currencies and entities. [Connected dashboard](https://www.finmo.net/product/connected-financial-dashboard) [Cash visibility](https://www.finmo.net/product/cash-visibility) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F33be6fffe5df28a48133e3f9ba028e0dddce3fec-1094x1312.webp&w=3840&q=100) Control ## Automate the day-to-day Send and automate real time collections across 30+ currencies and pay-outs across 180+ countries – and automatically reconcile everything to your existing systems. [Payments](https://www.finmo.net/product/payments) [AR/AP Automation](https://www.finmo.net/product/ap-ar-automation) ![](https://cdn.sanity.io/images/3m8qrzh6/production/81cdda12dbcb26da64c322abf7ca55110588bb1b-547x656.svg) Command ## See the future Forecast and manage cash flow across multiple accounts and entities with real-time data and insights, using a modern treasury management system to unlock liquidity and reduce risk. [Cash forecasting](https://www.finmo.net/product/cash-flow-forecasting) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc0c2849d739afd6de78fc3f7fb3b3da9d3e38939-1094x1312.webp&w=3840&q=100) Create ## Seize opportunity Use a treasury solutions to drive value creation and create opportunity based on future surpluses or shortfalls. Optimize working capital with smart FX hedging strategies, and invest idle cash. [Working capital optimisation](https://www.finmo.net/product/working-capital-optimisation) We’re trusted by finance teams across Asia Pacific - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F21fd29f5c120e42607fa77c0052e516433b8c153-410x260.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) Testimonials ## Here’s what our clients are saying… > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay Our expertise ## Founded by treasury and payments experts Our team has over 100 years of combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F575dd15a93b7bd10d6be1376d55fd6835e1342c4-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9722a45af2058a6caae450b91a970019d6ec58bd-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0819fdfee0dde57115b323607ab36bcfa86ba618-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F956aafc8c7abc33b182f2e712ef11d40dc1a5cc5-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1256a9d5c39111febd36b576abaaa4182ec6cbb1-462x509.webp&w=3840&q=100) Statistics ## Finmo by numbers 0123456789 platform to run your treasury 0123456789+ pay-out countries 0123456789+ bank integrations $0123456789B+ transactions processed in USD 0123456789 global banking partners 0123456789+ pay-in currencies ![](https://cdn.sanity.io/images/3m8qrzh6/production/5c3d0348fad5ee548f62fa71ec50aab40b7887b5-547x656.svg) World class security ## Safe in our hands We hold your money with leading global financial institutions. Our treasury management software ensures your funds are always safeguarded in line with the local regulations where Finmo operates. [Licenses and Registrations](https://www.finmo.net/about/license-and-registrations) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd35c6f0413cc02ee9fa8cfabbe5a330cb6697f5a-1094x1312.webp&w=3840&q=100) Responsive support ## Talk to our treasury experts Got a question about your treasury needs? Get immediate support through our in-dashboard widget, or email support any time. And visit our Guide for step-by-step help with onboarding and integrations. [Onboarding guide](https://docs.finmo.net/docs/support) Streamlined onboarding ## Get started fast Sign up and start exploring our dashboard today.
Or book a demo to talk things through with our team. Our slick 4-step onboarding and KYB process will get you up-and-running securely and removes unnecessary process and paperwork. [Get started for free](https://dashboard.finmo.net/signup) [Talk to our experts](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) Frequently asked questions What is Finmo and how is it different from traditional treasury management systems? Finmo is a next-gen treasury management system built to turn fragmented financial data into connected intelligence CFOs and finance teams can act on. Unlike traditional treasury platforms, Finmo takes a modular approach, so you can start with what you need and scale as you grow. Sign up and get started in minutes, without lengthy onboarding or complex implementation cycles. Finmo offers a connected financial dashboard that brings together. \- Real time cash visibility across banks, entities, and currencies \- Cash forecasting \- AR/AP automation \- Global payments and cash management \- Working capital optimisation Finmo integrates seamlessly with your existing banks, ERPs, and accounting software, enabling teams to manage and automate treasury and financial operations from a single platform. Who is Finmo’s treasury management software designed for? Finmo is designed for finance leaders, CFOs, and CEOs to ensure that there is financial visibility and control across the business. It supports startups, scale-ups, and mid-market companies managing growing operational complexity - multiple bank accounts, entities, currencies, and markets. Finmo’s treasury management platform helps leadership teams move beyond day-to-day cash operations to better planning, cost optimization, and value creation, without the overhead of traditional enterprise treasury systems. What treasury processes can Finmo help automate? Finmo automates core treasury processes across cash, payments, and financial workflows, giving finance teams real-time visibility and actionable intelligence from a single platform. Cash visibility: Get an aggregated, real-time view of cash balances across all entities, bank accounts, and currencies. Cash analytics and forecasting: Analyze historical and real-time cash data to forecast future positions, model scenarios, and plan liquidity with confidence. AR/AP workflows: Streamline and automate accounts receivable and payable processes, from invoice tracking and [invoice processing](https://finmo.net/ar-ap-invoices) to payment execution. Payments: Collect funds in 30+ currencies and make payouts to 180+ countries, all from one unified payments layer. Connected financial intelligence: Surface AI-generated insights from your cash flow data to highlight risks, anomalies, and opportunities before they impact the business. Working capital optimization: Put excess liquidity to work by optimising cash usage and investing idle balances in mid-market funds. How does Finmo connect to our banks, ERP and accounting software? Finmo offers API-based and file-based integrations so you can connect multiple banks, payment providers, and finance systems into a single treasury management system. IT teams can create these connections directly using a HTTP/REST library, while non-technical users can use no-code solutions and connect via the Finmo dashboard. Once connected, data syncs in near real time, giving you consolidated cash and transaction views across entities, currencies, and accounts. Refer to our [API Reference document](https://docs.finmo.net/reference/introduction-old) for more information on our API integrations. How does Finmo ensure security and compliance across financial operations? Finmo is built with enterprise-grade security and complies with applicable regulatory requirements for money movement, while maintaining strong controls across all treasury and financial workflows. Client funds are held with leading global financial institutions, and Finmo adheres to recognised security standards including SOC 2 Type II, ISO 27001, and PCI-DSS to ensure data protection, platform integrity, and secure payment processing. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/#) Reject AllAccept All ## Finmo Financial Services # Financial Services Guide Contents - [Purpose and contents of this financial services guide](https://www.finmo.net/hk/financial-services-guide#purpose-and-contents-of-this-financial-services-guide) - [Unless defined herein](https://www.finmo.net/hk/financial-services-guide#unless-defined-herein) - [About Finmo](https://www.finmo.net/hk/financial-services-guide#about-finmo) - [Accessing and using our services](https://www.finmo.net/hk/financial-services-guide#accessing-and-using-our-services) - [Professional indemnity insurance](https://www.finmo.net/hk/financial-services-guide#professional-indemnity-insurance) - [Record keeping obligations](https://www.finmo.net/hk/financial-services-guide#record-keeping-obligations) - [Who do we act for?](https://www.finmo.net/hk/financial-services-guide#who-do-we-act-for) - [Remuneration](https://www.finmo.net/hk/financial-services-guide#remuneration) - [Interest](https://www.finmo.net/hk/financial-services-guide#interest) - [Referral to Finmo](https://www.finmo.net/hk/financial-services-guide#referral-to-finmo) - [Disclosure of conflict of interest](https://www.finmo.net/hk/financial-services-guide#disclosure-of-conflict-of-interest) - [Dispute resolution](https://www.finmo.net/hk/financial-services-guide#dispute-resolution) - [Privacy](https://www.finmo.net/hk/financial-services-guide#privacy) ## Purpose and contents of this financial services guide This Financial Services Guide (“FSG”) is prepared by Paynow Technology Pty Ltd trading as Finmo Tech ACN 642 442 215 (“Finmo”, “us” “we” or “our”). Paynow Technology Pty Ltd trading as Finmo Tech is a subsidiary of Finmo Tech Pte Ltd, which (together with its subsidiaries globally) operates the “Finmo” brand. The information in this FSG relates to the Services provided by the Australian subsidiary. This FSG is designed to provide you with important information regarding our Services prior to providing you with a financial service and assist you in you in deciding whether to use any of the services offered in this FSG, including the following: - who we are & how you can contact us; - what services we are authorised to provide; - how we are remunerated for these services; - any (potential) conflicts of interest we may have; and - our dispute resolution process. ## Unless defined herein Capitalised words used in this FSG have the meanings as defined in the Product Disclosure Statement. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## About Finmo Finmo holds an Australian Financial Services Licence Number 535371 and is authorised to provide financial services relating to its non-cash payment product (NCP) to both retail and wholesale clients. You can contact us at: Address: Level 17, Chifley Tower Chifley Square Sydney, NSW 2000 Australia Email: compliance@finmo.net Website: www.finmo.net ## Accessing and using our services To access and use our Services, you must first register for an Account via the Finmo Platform, which is accessible via our website. By registering for an Account, you agree to the terms in our Business Terms and Conditions (available at [https://finmo.net/terms-conditions](https://www.finmo.net/terms-of-service), or an electronic copy can be provided by us free of charge upon request), Privacy Notice, the PDS, and this FSG. Your application for an Account must be approved by Finmo. Finmo reserves the right to refuse to open an Account for any person. ## Professional indemnity insurance In compliance with section 912B of the Corporations Act 2001 (Cth) and Australian Securities and Investments Commission Regulatory Guide 126, Finmo maintains professional indemnity insurance in connection with the financial products and services it provides, including any claims in relation to the conduct of Finmo’s former representatives/employees. ## Record keeping obligations Finmo will seek to ensure that comprehensive and accurate records of all client transactions and advice provided, are properly maintained. ## Who do we act for? Finmo is responsible for the financial services it provides to you under its Australian Financial Services Licence and does not act on behalf of any other financial services licensee. ## Remuneration Remuneration, commission & benefits expected to be received by Finmo for provision of financial services Finmo receives the following fees for the Services provided to its customers. - Transaction fees: Finmo receives transaction fees for each payin or payout transaction. The fees will vary based on the source and destination currencies and countries of the transaction, the size and frequency of your transaction, and the payment method used in the transaction. The exact fee applicable for each transaction will be disclosed to you in the Merchant Services Agreement (MSA) signed at onboarding. - Foreign exchange charges: Where currency conversion is required in respect of any transaction, Finmo will apply the prevailing exchange rate disclosed to you on the Finmo Platform which includes a percentage earned by Finmo. - Other fees and charges: Finmo may also charge you a fee for failed transactions, refunds, recalls or disputed transactions. ## Interest Finmo may also earn interest on the monies from the bank or other approved deposit-taking institution with which we hold funds received from our customers or on their behalf. The employees and partners of Finmo may also receive salaries, performance bonuses, commissions and other remuneration from Finmo. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Referral to Finmo Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Disclosure of conflict of interest Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Dispute resolution Finmo has an internal dispute resolution process in place to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. Any complaints or concerns should be directed to us via our Compliance team at compliance@finmo.net. We will seek to resolve your complaint within 30 calendar days or such further time period that may reasonably be required given the nature of the complaint. We will investigate your complaint, and provide you with our decision, and the reasons on which it is based, in writing. If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which Finmo is a member. Australian Financial Complaints Authority Phone: 1800 931 678 Post: GPO Box 3, Melbourne, Victoria 3001 Website: www.afca.org.au ## Privacy Your privacy is important to us and we are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We may disclose your personal information to external parties who act on our behalf in the operation of our business or in connection with the transactions to be undertaken. Such external parties are required and committed to protecting your privacy and where they are offshore, we take reasonable steps to ensure that to the maximum extent reasonably possible any information sent has the same level of privacy protection as we provide here in Australia. We will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us via the email provided if you have any concerns. Finmo will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us by writing to compliance@finmo.net if you have any concerns. Full details of Finmo’s privacy policy are available at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy). We will retain information obtained from you only as long as required by our regulatory obligations. This includes information required in order for us to comply with applicable laws and regulations for the prevention of money-laundering and counter-terrorism financing. The law allows you (subject to permitted exceptions) to access your personal information. You can do this by contacting us using our contact details set out in this FS. Where necessary, we will correct personal information where that information is found to be inaccurate, incomplete or out of date. We will not charge an individual for reasonable access and correction requests. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/financial-services-guide#) Reject AllAccept All ## Connected Financial Dashboard Connected Dashboard # Financial command and control Connect all your bank accounts, ERPs and accounting software to create a multi-entity dashboard that functions as your financial command centre. [Watch demo](https://youtu.be/UW_kbYhvG0g) ![](https://cdn.sanity.io/images/3m8qrzh6/production/a7db5c4a30bb77b72fadc1545cbb9be7298ff8d9-600x675.svg) One Dashboard ## One integrated finance dashboard to do it all No more logging into multiple accounts, software, or spreadsheets. From checking balances to making payments to managing FX, see and do it all in one treasury dashboard. API Integrations Smash the silos Get fragmented systems – even across different entities – speaking to each other. Connect bank accounts, payment systems, accounting software and ERPs for an always-on, automatically-synced view. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5b9f83c5ba6b3c1b3ba449e7236cefc49679d63b-547x310.svg) Realtime data sync Unite your data No more fetching, cleaning and reconciling numbers. With purpose-built architecture keeping all your systems integrated in a single dashboard, disparate financial data becomes connected and contextual real-time intelligence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d37c96b4868c98e8a4e578bd73ec3762eb8992e1-547x310.svg) Cash visibility See the big picture Get a consolidated view of your balances, receivables, and financial transactions. Track and forecast cash flow confidently with unified cash visibility in one connected dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3028f961f4da0c31947fac30202b496d1212e146-1094x1040.webp&w=3840&q=100) AR & AP Automations Automate the grind Replace manual invoicing and payments with intelligent workflows that streamline and automate AR/AP, and reconcile data with your accounting systems. ![](https://cdn.sanity.io/images/3m8qrzh6/production/89aae6c74a2dee39eb1c049019a4489faaa19339-547x310.svg) Integrated Payments One-touch transactions Use Finmo’s multi-entity global payment network to make financial transactions across the world with a single connection. Or make frictionless payments via the Finmo dashboard without ever logging into your bank. ![](https://cdn.sanity.io/images/3m8qrzh6/production/576559053cdd913c856331d6da709f8d8aa86b30-547x310.svg) FX and investments Optimize for tomorrow Drive future value creation using forecasting and analysis to optimize working capital, reduce FX risk and invest surplus cash. ![](https://cdn.sanity.io/images/3m8qrzh6/production/012ae728e6ab2150c568bae57434165372b3dfc3-547x310.svg) AI co-pilot Need-to-know? Ask MO. Find answers fast with MO AI, our specialist fin-ops co-pilot. Ask questions, get insights, make forecasts and take action using text or with simple voice-based requests. ![](https://cdn.sanity.io/images/3m8qrzh6/production/c735e297f517049c016c53e1331ad023b8a51781-547x310.svg) Easy API integrations ## Connect all your financial data Forget old-fashioned legacy treasury systems that demand labour-intensive custom integrations, Finmo’s integrated dashboard is purpose-built for the modern finance stack. Smoothly connect banks, accounting systems, and ERP software via our easy-to-use APIs with minimal tech lift. Banks and Payment Systems integration Multi-entity integration lets you connect your existing accounts via API or manual upload to provide a consolidated view across every bank account and payment system at a group or entity level. Key features All Accounts in One View: Aggregate balances and transactions across banks and payment systems without switching between portals. Flexible Views: Switch between a consolidated company-wide view or drill down to individual accounts. Multi-Currency Visibility: Track balances in local currencies or view everything in a single display currency. Granular Control: Decide which accounts to sync and monitor. ERP & Accounting Software integration Connect directly with your ERP and accounting software to keep cash data and payments in sync in real time. No more manual uploads or delays. Key features Seamless Data Exchange: Instantly share data between your ERP/accounting systems and Finmo. Receivables Management: Automatically pull open supplier invoices into Finmo for payment scheduling. Automated Payments: Approve and send supplier payments at maturity directly from Finmo. Reconciliation Made Easy: Post cleared items back into your ERP for faster, cleaner reconciliation. ## Make the invisible, visible Get real-time visibility of your payables, receivables and cash position. [Cash visibility](https://www.finmo.net/product/cash-visibility) ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions What is the Finmo connected financial dashboard? Finmo’s Connected Financial Dashboard is a single, unified interface that brings all of a company’s financial data into one place, eliminating the need to toggle between multiple bank portals, accounting systems, ERP systems and spreadsheets. Powered by easy API integrations, the dashboard aggregates real-time balances, payment activity, cash positions, and transactional data across every connected account and system. It acts as the central nerve center for modern finance teams, giving CFOs and treasury leaders a holistic view of liquidity, exposures, and operational workflows without manual reconciliation or delayed reporting. In practice, this means you can: See complete financial visibility \- live balances and transactions across banks, ERPs, and software Execute core workflows \- payments, approvals, FX management, and reconciliation Reduce risk and manual work \- automated data syncing replaces exports, uploads, and spreadsheets Make faster decisions \- one source of truth with drill-down, filters, and analytics How is this different from a standard financial dashboard? Traditional TMS platforms are built for large enterprises and are complex to implement, slow to deploy, and largely focused on reporting. Finmo is cloud native and purpose built for startups, SMEs, and mid market companies. You can sign up, connect your banks and systems, and get started in minutes without heavy implementation or IT overhead. Because Finmo sits directly in the flow of funds, data on the dashboard is real time and actionable. Finance teams can see balances, approve and execute payments, and manage workflows from one place. Finmo scales with you as your business grows without switching systems or enterprise complexity. What systems can I connect to Finmo’s connected dashboard? Finmo connects to banks, accounting software, and ERP systems through secure APIs. This allows finance teams to sync balances, transactions, and payment activity across all connected accounts in one place. How long does it take to set up Finmo’s connected dashboard? Finmo is cloud native and designed for fast setup. You can sign up, connect your systems, and get started in minutes without long implementation cycles or heavy IT involvement. Who is Finmo’s connected financial dashboard built for? Finmo is purpose built for startups, SMEs, and mid-market companies that need real-time cash visibility and control without the complexity of enterprise treasury systems. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). 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ech-finmo-launches-mo-ai-co-pilot-global-finance2026-03-18T12:19:53Zhttps://www.finmo.net/resources/newsroom/july-newsletter-finmo-s-latest-updates-in-treasury-management2026-02-20T11:51:51Zhttps://www.finmo.net/resources/newsroom/august-newsletter-finmo-s-latest-updates-in-treasury-management2026-03-18T12:11:24Zhttps://www.finmo.net/resources/newsroom/finmo-x-fiskil-transforming-treasury-with-real-time-financial-visibility2026-03-18T12:11:38Zhttps://www.finmo.net/resources/newsroom/september-monthly-product-update2026-02-23T09:31:41Zhttps://www.finmo.net/resources/newsroom/finmo-dfsa-in-principle-approval-financial-services-licence-dubai2026-03-18T12:19:35Zhttps://www.finmo.net/resources/customer-stories/how-auptimate-unlocked-real-time-treasury-operations-with-finmo2026-03-18T12:13:53Zhttps://www.finmo.net/resources/customer-stories/handshake-finance-finmo-escrow-treasury-visibility2026-03-18T12:18:22Zhttps://www.finmo.net/resources/ebooks/the-startup-cfo-playbook-investor-ready-finance-strategies-for-growth2026-03-18T11:50:07Zhttps://www.finmo.net/resources/ebooks/cfo-playbook-for-mid-market-smes2026-03-20T10:00:29Zhttps://www.finmo.net/resources/ebooks/fix-the-gaps-that-hold-your-finance-stack-back2026-03-18T12:06:37Zhttps://www.finmo.net/resources/ebooks/take-control-of-your-liquidity-strategy-download-our-essential-cfo-playbook2026-03-18T11:50:49Zhttps://www.finmo.net/resources/ebooks/the-cfo-s-2025-finance-stack-scorecard2026-03-18T12:06:21Zhttps://www.finmo.net/resources/blog2026-04-16T11:25:44Zhttps://www.finmo.net/resources/customer-stories2026-02-23T09:00:23Zhttps://www.finmo.net/resources/ebooks2026-02-20T11:17:10Zhttps://www.finmo.net/resources/newsroom2026-04-07T15:14:58Z ## Treasury Management Solutions # Treasury management for modern finance teams Finmo is a treasury management and payment platform for modern finance teams. Integrate complete financial and bank data, move money globally, optimise liquidity, and manage FX risk – all in one smart platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5d3b6093753ffb161a133920d2ea67a73f6ffcfd-2688x1316.webp&w=3840&q=100) Why Finmo? ## Future‑facing finance Faced with the challenge of multiple geographies, currencies, entities and compliance requirements, the demands on today’s CFO have never been greater. With change the only constant, and complexity increasing, CFOs need to move from spreadsheet-based financial stewardship, to future-facing strategic leadership. But with finance teams held back by slow, disparate data, and multiple disconnected softwares, getting the future-facing visibility to do this isn’t easy. At Finmo we provide agile treasury management that meets the needs of the modern CFO – without the expense and complexity of traditional enterprise solutions. A single platform that gives CFOs connected, future-facing intelligence, using data from across their business: The foresight to know their next move. And the confidence and control to act on it. [Watch the video](https://youtu.be/UW_kbYhvG0g) > “Finance leadership today is about foresight. At Finmo, we empower CFOs to look beyond the numbers: to anticipate change, uncover opportunity, and scale their vision across markets with clarity and control” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1ef2a20218ef156c7ba4f977b77b5a048ee8e694-150x150.jpg&w=3840&q=100) David Hanna CEO and Co-founder, Finmo Team ## Our expert team Our executive team has over 100 years combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb41b46c245be4d5ca409a545d63a1233954bef-632x768.webp&w=3840&q=100) David HannaChief Executive Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffa65114acc049ad3e0b685aaf33de2e32101d32e-632x768.webp&w=3840&q=100) Richard OhChief Strategy Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc85d2bb936252c4608d9faa67738cc0c1268b9dc-1264x1536.webp&w=3840&q=100) Akhil NigamChief Product Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F733c8c8a4e71ab40840263dfa0c7d2d600154220-632x768.webp&w=3840&q=100) Raj Vimal ChopraChief Technology Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f499d7e51cbcb85b26faa981684878729c92f04-632x768.webp&w=3840&q=100) Thomas KangChief Revenue Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b16b408c9f11b8c23b089dcc6bcfe3f3c3d8e4e-632x768.webp&w=3840&q=100) Jonathan LewChief Financial Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4319f20c73a038b2e4ada6a21f110ff86a85ee9a-632x768.webp&w=3840&q=100) Anthony YeohChief Compliance Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Febab0970f9c822bc943141df866403ec2456a1e4-1264x1536.webp&w=3840&q=100) Mansi ChopraChief Marketing Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f5d4403adfbf41335fb3886a705e1d35f441b77-1264x1536.webp&w=3840&q=100) Holly FangChief Business Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9c24cb1b02df8ff258e64f004e36cfcf519a487e-632x768.webp&w=3840&q=100) Joana Mikaela LiewChief Human Resources Officer ## Join Finmo Work with us to help shape the future of financial management for business. [Careers](https://www.finmo.net/about/careers) Our Investors ## Backed by the best - ![Quona](https://cdn.sanity.io/images/3m8qrzh6/production/1743cad2b98f96692708c1ab5a7d97af777c8546-134x131.svg) ![Paypal Ventures](https://cdn.sanity.io/images/3m8qrzh6/production/1753aef959683cce4c625d64315147bebf19a310-201x131.svg) ![citi ventures](https://cdn.sanity.io/images/3m8qrzh6/production/e5b6a7d537b20211184847de48ee282bba4bf56e-191x131.svg) ![Insignia Ventures Partners](https://cdn.sanity.io/images/3m8qrzh6/production/b21e6d900e0b2f629d574c97aacdc314ecae04f3-148x131.svg) ![Soma Capital](https://cdn.sanity.io/images/3m8qrzh6/production/6e910f84cd1b2f2a1d401375fdf3333716101f6a-130x131.svg) ![GFC](https://cdn.sanity.io/images/3m8qrzh6/production/28aa9a2fd903df29ff7254809b7aeb39fcc1006e-94x131.svg) Finmo foresight [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa1337e0bfdc3c8adcb37053aa131202ec29b6bbc-3200x1800.webp&w=3840&q=100)\\ \\ - Compliance\\ \\ **Our compliance story: How finmo builds compliance into every transaction**\\ \\ Read more](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction) ## Contact us Please get in touch for more information about our product, to discuss partnerships, or to speak to our PR or marketing team. [Get in touch](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/about/about-us#) Reject AllAccept All ## Global Payroll Solutions ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for HR & EOR platforms # Reliable global payroll starts with financial clarity Execute high-volume, multi-country payroll with compliant payouts while maintaining real-time visibility into payroll funding, liquidity, and FX exposure. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd424de4862b2667607d7d4c149fd606f549cf2d3-5136x2816.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F21fd29f5c120e42607fa77c0052e516433b8c153-410x260.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd561af06644540aff080afb395f77d0c058beeb5-1094x1312.webp&w=3840&q=100) Payroll operations complexity ## Protect your reputation on every payday Running payroll across countries requires more than sending payments. HR platforms and EOR providers must ensure funding is available, FX exposure is managed, and payroll cycles execute on time every month. But payroll operations often rely on fragmented financial infrastructure: • Funding spread across multiple bank accounts • Limited visibility into global balances • No forecasting for upcoming payroll obligations Without clear financial visibility, payroll becomes operational risk. Finmo connects your financial data so payroll teams always know what funding is available, what payroll obligations are coming, and when payouts need to execute. How modern payroll teams operate ## Global payroll, built on visibility Use the full platform or activate payments on day one. Connect your accounts, gain visibility, forecast funding needs, and automate global payouts, all in one modular platform. Connect your funding sources Link bank accounts and funding wallets via direct integration to centralise payroll funding across currencies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F692f4c20519128f530db01bc3e0ccb614d669062-2188x1188.png&w=3840&q=100) See your global cash position View balances across currencies and entities in real time. Know exactly what’s available before every payroll cycle. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff67f1c604e7605ee97cf21fd39979362d02ead71-2184x1324.png&w=3840&q=100) Forecast payroll funding needs Generate rolling forecasts to model FX exposure and future payroll obligations. Fund intelligently and protect margins. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F431ca272abd6b8c727e1faa089cc692adaf61a67-2188x1196.png&w=3840&q=100) Execute global payroll at scale Run high-volume, multi-currency payroll with intelligent routing and built-in compliance control, from a single connection. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fff00bbda08275a89c853af1dfca57d7ed9c12674-2188x1452.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by leading HR platforms ## What businesses are saying about Finmo Global HR platforms rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Security & compliance ## Enterprise-grade infrastructure for HR & EOR platforms As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc6dde94a97d8aeac29ff78f5d466bb67c347cbc2-105x104.png&w=3840&q=100) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates yo Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Run global payroll with confidence [Get started for free](https://dashboard.finmo.net/signup) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hr-and-eor#) Reject AllAccept All ## Product Disclosure Statement # Product Disclosure Statement Last updated: March 21, 2024 Important information This Product Disclosure Statement (“PDS“) has been prepared and issued by Paynow Technology Pty Ltd trading as Finmo Tech ACN 642 442 215 (“Finmo”, “us” “we” or “our”). Paynow Technology Pty Ltd trading as Finmo Tech is a subsidiary of Finmo Tech Pte Ltd, which (together with its subsidiaries globally) operates the “Finmo” brand. Please note that the information contained in this PDS does not constitute a recommendation, advice or opinion, and does not take into account your individual objectives, financial situation, needs or circumstances. This is an important document and should be read in its entirety (along with the Finmo Terms and Conditions – available at https://finmo.net/terms-conditions, or an electronic copy can be provided by us free of charge upon request). Before acquiring any product offered under this PDS, you should ensure this is appropriate for your particular financial objectives, needs and circumstances. If you acquire any of the products described in this PDS, you will be bound by the contents of this PDS and the Terms and Conditions. The information in this PDS is current as at the date set forth on the cover page, and may be updated from time to time where that information is not materially adverse to clients. Updated information shall be provided on our website – accessible at https://finmo.net/. Finmo may issue a supplementary or replacement PDS as a result of certain changes, which shall be available on our website or shall be distributed in electronic form as required. This PDS does not constitute an offer or invitation in any place outside Australia where or to any person to whom it would be unlawful to make such an offer or invitation. The distribution of this PDS (electronically or otherwise) in any jurisdiction outside Australia may be restricted by law and persons who come into possession of this PDS should seek advice on and observe any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable law. If you received this PDS electronically, we can provide a paper copy free of charge upon request. - Purpose and contents of this PDS This PDS is an important legal document and is designed to provide you with important information regarding our products and services, including the following information: - who we are; - how you can contact us; - which products we are authorised to offer or utilise; - key features/risk/benefits of these products; - applicable fees and charges for these products; - any (potential) conflicts of interest we may have; and - our internal and external dispute resolution process. - The information in this PDS should assist you to: - decide if the product meets your needs; and - compare the product with similar products. - If you intend to apply to use any of the products and services described in this PDS, please read and make sure you understand this PDS, our Terms and Conditions, Privacy Notice, and Financial Services Guide (“FSG”), which are accessible via our website. These documents contain important information regarding the features, benefits, risks and fees applicable, and are designed to assist you in making an informed decision about whether to use our products and services. If you have any questions or need more information, please contact us. All financial amounts mentioned in this PDS are expressed in Australian dollars unless otherwise stated. Unless defined herein, capitalised words used in this PDS have defined meanings which appear in the Glossary at the back of this PDS. - About Finmo Finmo holds an Australian Financial Services Licence Number 535371 and is authorised to provide financial services relating to its non-cash payment product (NCP) to both retail and wholesale clients. You can contact us at: Address: Level 17, Chifley Tower 2 Chifley Square Sydney, NSW 2000 Email: compliance@finmo.net Website: www.finmo.net - General product description The financial products provided by Finmo include facilities for businesses to send (i.e. Payout) and receive (i.e. Payin) money (collectively, the “Services”). | Service | Key features | | --- | --- | | Payout | Payout lets you send money in any Supported Currency to beneficiaries in Australia or any other jurisdiction approved by Finmo. The transaction can be funded from your Available Balance or any other supported payment methods from time to time. To payout money to a beneficiary, you will need to provide an instruction in accordance with the process described in the Terms and Conditions | | Payin | Payin lets you: - Top up the Available Balance in a Supported Currency through a bank transfer from your own bank account to the Finmo Account, or any other supported payment methods from time to time. The money received will be added to your Available Balance and held in the Account in the Supported Currency. - Payin funds in a Supported Currency into the Account from a third party payer in Australia or any other jurisdiction approved by Finmo. You will need to provide the third party payer with the Account details. The money received will be added to your Available Balance and held in the Account in the Supported Currency. - Hold money in any Supported Currencies. | - Multiple Supported Currencies can be held in the Account and form your Available Balance. You can convert any currency forming part of your Available Balance for another Supported Currency by providing an instruction to Finmo via the Finmo Platform. The Available Balance can be accessed or withdrawn in accordance with the process described in the Terms and Conditions. It is important for you to understand that the Account is not a bank account, and is instead a non-cash payment (NCP) facility. - When Finmo receives funds that are credited to the Available Balance you acquire an interest in (or an increased interest in) a non-cash payment facility (being the Account). Those funds are therefore not monies which are subject to the client money protections in the Corporations Act 2001 (Cth). - Accessing and using our products and services To access and use our Services, you must first register for an Account via the Finmo Platform, which is accessible via our website. By registering for an Account, you agree to the terms in our Terms and Conditions, Privacy Notice, the FSG, and this PDS. Your application for an Account must be approved by Finmo. Finmo reserves the right to refuse to open an Account for any person. - Eligibility To be eligible for the Services you must meet the eligibility criteria Finmo sets out in the Terms and Conditions. Your application for a Service must be approved by Finmo. Finmo reserves the right to refuse to provide a Service to any person. - Significant benefits The significant benefits of the Services are as follows: - You can use Payin to load (or reload) value onto your Available Balance, in any Supported Currency, by initiating a transfer from your bank account or through any other means notified described in the Terms and Conditions. You can also use Payin to collect and hold money in any Supported Currency from a third party payer in Australia or any other jurisdiction approved by Finmo, into your Account. This reduces the need for you to open bank accounts in multiple jurisdictions. - You can use Payout to transfer money in any Supported Currency to beneficiaries in Australia or any other jurisdictions approved by Finmo. - Finmo bases all of its FX quotes on the live interbank FX rate and adds a transparent mutually agreed-upon FX markup. - Significant risks In deciding whether or not to use the Services you should be aware of the significant risks set out below. However, this section does not purport to disclose all of the risks associated with the Services. - A Payout or Payin transaction will not be processed if the transaction is not in a Supported Currency and the beneficiary or payer (as the case may be) is not located in a jurisdiction approved by Finmo. - There may be circumstances beyond our reasonable control preventing a transaction from being processed. - You might not be able to get your money back if Unauthorised Transactions or unintended transactions occur. - No interest is earned on the Available Balance and it is not a savings or checking account. - There is a risk that Finmo may become unable to fulfil its obligations to you as they fall due, for example, if our banking partners fail to meet their contractual obligations to us or in the event Finmo experiences insolvency. This is known as counterparty (or credit) risk. If this happens, you may not be able to use the Services as designed and this could result in a loss. - There is a risk of loss resulting from failures, delays, or inadequacies of technological systems, internal processes or external events. This is known as operational risk. While Finmo uses reasonable efforts to ensure uninterrupted access to the Services, it cannot guarantee that such access will never be interrupted as a result of technical or other unforeseen problems that are outside its control. There are also risks associated with the use of an online platform to process transactions, such as network connectivity issues, system or software errors and bugs, and security or data breaches. - Finmo relies on arrangements with banking partners to deliver the Services. Finmo banking partners may make errors or experience unscheduled delays in crediting funds to the Account or transferring them to another account. - Advice We are obliged to warn you that we will only provide you with general advice, which does not take account of your objectives, financial situation or needs. - Fees and Charges The following fees apply in connection with the use of the Services. You agree that whenever any of these fees are incurred or become payable, Finmo may deduct it from your Available Balance. - Transaction fees: Transaction fees are payable on each Payout end and Payin transaction. The fees you pay will vary based on the source and destination currencies and countries of the transaction, the size and frequency of your transaction, and the payment method used in the transaction. The exact fee applicable for each transaction will be disclosed to you on the Finmo Platform as well as in the Merchant Services Agreement (MSA) signed with us at onboarding. - Foreign exchange charges: Where currency conversion is required in respect of any transaction, Finmo will apply the prevailing exchange rate disclosed to you on the Finmo Platform which includes a percentage earned by Finmo. - Other fees and charges: You may also incur fees or bank charges on failed transactions, or interest charges on outstanding amounts due to Finmo or creation of Virtual Accounts. - The financial claims scheme The Financial Claims Scheme is a scheme administered by the Australian Prudential Regulation Authority (“APRA”) to protect depositors of authorised deposit-taking institutions from potential loss due to the failure of these institutions. It provides depositors with a guaranteed protection, up to a cap. As at the date of this PDS, the Financial Claims Scheme applies to deposits only, and does not protect any Available Balance. For more information, see APRA’s website at https://www.fcs.gov.au. - Privacy policy Your privacy is important to us and we are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Information collected from you at registration or in subsequent communications is used to establish and administer your Account, comply with our regulatory obligations and for us to determine your suitability as a client. We may disclose your personal information to external parties who act on our behalf in the operation of our business or in connection with the transactions to be undertaken. Such external parties are required and committed to protecting your privacy and where they are offshore, we take reasonable steps to ensure that to the maximum extent reasonably possible any information sent has the same level of privacy protection as we provide here in Australia. Finmo will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us by writing to compliance@finmo.net if you have any concern. We will retain information obtained from you only as long as required by our regulatory obligations. This includes information required in order for us to comply with applicable laws and regulations for the prevention of money-laundering and counter-terrorism financing. The law allows you (subject to permitted exceptions) to access your personal information. You can do this by contacting us using our contact details set out in this PDS. Where necessary, we will correct personal information where that information is found to be inaccurate, incomplete or out of date. We will not charge an individual for reasonable access and correction requests. - AML/CTF By accepting the terms and conditions in the PDS and at registration you undertake that activity related to your Account is in no way associated with unlawful or illegal activity. Finmo is compliant with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and associated laws. By registering with Finmo, you undertake to notify us of anything that may put us in breach of this legislation and associated regulations. You must supply personal details to us and where necessary documentation to assist us verify your identity. This may also be necessary for additional authorised signatories and directors and beneficial owners of corporate entities. From time to time we may be required to obtain further information to assist with ongoing obligations. We may be required to provide the relevant authorities with information we have collected from you or any transaction records we hold. We will be unable to notify you of any such requests. We may also be required to suspend or cancel your Account or delay, block or freeze the processing of transactions. If this occurs, we are not liable to you for any consequences or losses whatsoever and you agree to indemnify us if we are found liable to a third party in connection with the freezing or blocking of a transaction in connection with your Account. - Tax implications You should get your own independent tax advice in relation to the impact your use of the Services may have on your personal tax liability as Finmo has not taken into account your individual circumstances or needs. - Disclosure of interest Subject to disclosures in any other transaction documents, Finmo does not have any relationships or associations which might influence us in providing you with our Service. - Dispute resolution Finmo has an internal dispute resolution process in place to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. Any complaints or concerns should be directed to us via compliance@finmo.net. We will seek to resolve your complaint within 30 calendar days or such further time period that may reasonably be required given the nature of the complaint. We will investigate your complaint, and provide you with our decision, and the reasons on which it is based, in writing. If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which Finmo is a member. - Australian Financial Complaints Authority - Phone: 1800 931 678 - Post: GPO Box 3, Melbourne, Victoria 3001 - Website: www.afca.org.au - Glossary of terms | ACCOUNT | the account by which you access the Finmo Platform. | | --- | --- | | AVAILABLE BALANCE | refers to the balance contained in the Account. | | FINMO PLATFORM | the proprietary online system(s) and the components thereof, developed, owned and maintained by Finmo, that enables You to obtain the Services from Finmo, including any replacement thereof and any related software, websites, URLs, software programs and deliverable ancillary to the Finno Platform such as reports, compilations or databases. | | UNAUTHORISED TRANSACTION | a transaction not authorised by you, but not including transactions made by another person who you have permitted to use the Account. | ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product-disclosure-statment#) Reject AllAccept All ## CFO Treasury Solutions For CFOs # Financial foresight for CFOs Our treasury management software for CFOs combines cash tools and payment in one intelligent financial dashboard. Get cash visibility, forecast liquidity, and generate accurate reports using real-time data, all in a single CFO dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbb0484becc8b8b619b05bc98b9a545f1d40da3ae-2688x1316.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/225d3614b157a391cd938501cde268a9ba344757-547x656.svg) Connected dashboard ## Smash the data silos Bypass the challenges of disconnected data, fragmented legacy systems and business silos. Connect your bank accounts, accountancy software, and ERPs and get one automatically synced view in your CFO financial dashboard. ![](https://cdn.sanity.io/images/3m8qrzh6/production/8e2fd8c34e4f120bcec39354d1d85d9854c601ac-547x656.svg) Real-time cash visibility ## Stay in-the-know on cashflow Make more confident cashflow decisions with 100% real time across your global cash positions. Our CFO software connects your accounts automatically, giving you live liquidity insights without spreadsheets or manual reconciliation. ![](https://cdn.sanity.io/images/3m8qrzh6/production/2f118368c2adf1c4eb7169c577dee68079ed705d-547x656.svg) Cashflow forecasting ## Forecast further and faster Model liquidity, FX exposure, and working capital in minutes using intelligent cash flow forecasting software. Run scenarios, compare outcomes, and generate forward-looking reports directly within your CFO dashboard software. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a2e6b6a38734e8648f4f03ccf3b69bbfc58e4d5-547x656.svg) Automated AR & AP ## Remove the manual work Replace manual invoicing, payments, and reconciliation with intelligent workflows inside your CFO dashboard. Integrated with your accounting systems and ERP, Finmo's treasury management software reduces errors and improves operational efficiency. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5582bd9bba3e757afddec918b1bcd3420e361743-1094x1312.webp&w=3840&q=100) Single source of truth ## One Platform. Total Financial Control. Align your team around one single source of truth. Use role-based access to manage permissions and maintain a clear audit trail, across your treasury management workflows. ![](https://cdn.sanity.io/images/3m8qrzh6/production/3fed4a6bad30ddd2714f74d9fb82a1fb23023eb8-547x656.svg) Modular API-led platform ## Scale smoothly Finmo’s cloud-based CFO software is built for growing businesses. Start with cash visibility and cash flow forecasting software, then expand into payments and advanced treasury management, without costly enterprise implementations. Finmo insights [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F20b23a34bac3b5cd14853a73249e59c073149543-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **3 warning signs your liquidity strategy isn’t working (& how CFOs can fix It)**\\ \\ Read more](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F65a48684f824055f80e2495fc4d7e5314b7c9653-3200x1800.webp&w=3840&q=100)\\ \\ **Fix the Liquidity Blindspots Holding Your Business Back**\\ \\ Read more](https://www.finmo.net/resources/ebooks/take-control-of-your-liquidity-strategy-download-our-essential-cfo-playbook) ## Try Finmo today Take a few minutes to watch our walkthrough. Or book a meeting to talk things through with our team. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) FAQs Frequently asked questions about our CFO dashboard What is the best cash flow forecasting software for CFOs? The best cash flow forecasting software gives CFOs real-time visibility, scenario modelling, and automated data sync with banks and ERPs. It should eliminate manual spreadsheets and update forecasts dynamically as transactions occur. Leading CFO software combines forecasting with liquidity visibility and payment execution in one platform. Finmo, for example, connects live financial data to rolling forecasts, allowing CFOs to move from insight to action without switching systems. Choose CFO dashboard software that provides: \- Real-time financial data integration \- Scenario-based forecasting \- Multi-entity and multi-currency visibility \- Role-based access controls \- Audit-ready reporting The right CFO analytics platform should centralise reporting, forecasting, and treasury management in one secure environment. Platforms like Finmo are built to give CFOs executive oversight while enabling finance teams to operate efficiently. How do I choose the right CFO dashboard software? 1\. Choose CFO dashboard software that provides: 2\. Real-time financial data integration 3\. Scenario-based forecasting 4\. Multi-entity and multi-currency visibility 5\. Role-based access controls 6\. Audit-ready reporting The right CFO analytics platform should centralise reporting, forecasting, and treasury management in one secure environment. Platforms like Finmo are built to give CFOs executive oversight while enabling finance teams to operate efficiently. How accurate is AI-powered cash flow forecasting software? AI-powered cash flow forecasting software can significantly improve accuracy when built on real-time transactional data. Forecast reliability depends on: \- Direct bank data connectivity \- Automated reconciliation \- Historical pattern analysis \- Continuous forecast vs actual tracking Rather than replacing finance judgment, AI enhances forecasting precision. Platforms like Finmo use live data inputs to support dynamic forecasting and liquidity risk monitoring. Find out more about [how forecasting works](https://docs.finmo.net/docs/forecast) with Finmo. What is the ROI of implementing CFO software? The ROI of CFO software typically comes from: \- Faster reporting cycles \- Reduced manual reconciliation \- Improved liquidity planning \- Lower operational risk \- Better FX and cash visibility CFO analytics platforms reduce dependency on spreadsheets and fragmented systems. By combining forecasting, dashboards, and treasury management, solutions like Finmo help finance leaders improve decision velocity and capital efficiency. What kind of access control and audit trails are available? Finmo provides robust financial controls through role-based access, allowing you to manage team permissions for specific accounts or entities. Every change and transaction is automatically logged by the CFO software, providing a comprehensive audit trail that ensures you are always ready for internal governance or external audits. How long does it take to get the CFO dashboard live? Finmo is a [treasury management system](https://finmo.net/) designed for modern businesses to onboard in days. Most of the setup process involves simply creating your account, completing verification to ensure compliance, and syncing your existing bank accounts, ERPs and accounting platforms with the CFO dashboard. Find out more about [setting up an account with Finmo](https://docs.finmo.net/docs/organization-setup). ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/cfo#) Reject AllAccept All ## Disclaimer Information # Disclaimer Contents - [Disclaimer](https://www.finmo.net/disclaimer#disclaimer) - [Copyright notice](https://www.finmo.net/disclaimer#copyright-notice) ## Disclaimer If you continue to browse and use this website (“www.finmo.net”), you are agreeing to comply with and be bound by the following disclaimer, together with our terms and conditions of use. The information contained in this website is for general information purposes only and is provided by www.finmo.net. While we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Through this website, you may be able to link to other websites which are not under the control of www.finmo.net. We have no control over the nature, content and availability of those websites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly. However, Finmo takes no responsibility for, and will not be liable for, thewebsite being temporarily unavailable due to technical issues beyond our control. ## Copyright notice This website and its contents are the copyright of Finmo Tech Pte Ltd – © 2022. All rights reserved. Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following. You may print or download contents to a local hard disk for your personal and non-commercial use only. You may copy some extracts only to individual third parties for their personal use, but only if you acknowledge the website as the source of the material. You may not, except with our express written permission, distribute or commercially exploit the content. You may not transmit it or store it on any other website or other form of electronic retrieval system. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/disclaimer#) Reject AllAccept All ## Finmo Licenses Overview # Licences & Registrations Contents - [Why our licences matter?](https://www.finmo.net/hk/about/license-and-registrations#why-our-licences-matter) - [Australia](https://www.finmo.net/hk/about/license-and-registrations#australia) - [New Zealand](https://www.finmo.net/hk/about/license-and-registrations#new-zealand) - [Singapore](https://www.finmo.net/hk/about/license-and-registrations#singapore) - [United States of America (USA)](https://www.finmo.net/hk/about/license-and-registrations#united-states-of-america-usa) - [Canada](https://www.finmo.net/hk/about/license-and-registrations#canada) - [United Kingdom](https://www.finmo.net/hk/about/license-and-registrations#united-kingdom) - [Dubai](https://www.finmo.net/hk/about/license-and-registrations#dubai) - [Hong Kong](https://www.finmo.net/hk/about/license-and-registrations#hong-kong) ## Why our licences matter? Finmo’s licensing framework enables us to support cross-border payments, treasury operations, and financial workflows for growing businesses while meeting local regulatory requirements. Our regulated status helps ensure: - Customer funds are safeguarded in accordance with local regulations - Transactions are conducted under compliant payment and e-money frameworks - Operations meet jurisdiction-specific regulatory and reporting standards ## Australia Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds an Australian Financial Services Licence (AFSL number: 535371). Finmo Tech is also a registered independent remittance business (AUSTRAC registration no: IND100723324-001) and a registered Digital Currency Exchange provider (AUSTRAC registration no: DCE100723324-001). Please consider our Financial Services Guide and [Product Disclosure Statement](https://www.finmo.net/product-disclosure-statment) and if the information is right for you before acquiring the product or service. ## New Zealand Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds a Financial Service Provider License (FSP No: FSP1003815) ## Singapore Finmo Tech Pte. Ltd. (Finmo) holds a Major Payment Institution (MPI) Licence issued by the Monetary Authority of Singapore (MAS), which allows us to provide e-money issuance services, account issuance services, merchant acquisition, cross border and domestic money transfer services. (Licence number: PS20200640) In accordance with the applicable laws and regulations (including PSN08), Finmo is required to provide the following disclosures: Notice for Non-Singapore Residents: Finmo Tech Pte. Ltd. is licensed by the Monetary Authority of Singapore to provide e-money issuance services. Please note that this does not mean you will be able to recover all the money you paid to Finmo Tech Pte. Ltd. if Finmo Tech Pte. Ltd.’s business fails. Hours of Business Operations: Our working hours in Singapore are from 9am SGT to 6pm SGT (Mon to Friday) excluding Public Holidays. ## United States of America (USA) Finmo LLC is registered as a Money Service Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury. (MSB Registration Number: 31000248116829) ## Canada Finmo LLC is registered as a Money Service Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) (MSB Registration Number: C100000380) and also registered as a Payment Service Provider (PSP) with the Bank of Canada ## United Kingdom Finmo UK Group Limited is an Authorised Electronic Money Institution (EMI) who is permitted by the Financial Conduct Authority (FCA) to issue electronic money (e-money) and provide payment services. (Reference No: 901102) ## Dubai Finmo (DIFC) Limited (#11455) holds a Financial Services Licence authorised by the Dubai Financial Services Authority to perform the following financial services: - Providing Money Services - Advising or Arranging on Money Services ## Hong Kong Finmo HK Limited (Finmo) holds a Money Service Operator Institution (MSO) Licence: (Licence number: 26-03-03326) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/about/license-and-registrations#) Reject AllAccept All ## Complaints Procedure Guide # Complaints Last updated: March 21, 2024 Contents - [1\. Our commitment to you](https://www.finmo.net/hk/complaints#1-our-commitment-to-you) - [2\. How to make a complaint](https://www.finmo.net/hk/complaints#2-how-to-make-a-complaint) - [3\. Our complaints procedure](https://www.finmo.net/hk/complaints#3-our-complaints-procedure) - [4\. Confidentiality](https://www.finmo.net/hk/complaints#4-confidentiality) - [5\. External review options](https://www.finmo.net/hk/complaints#5-external-review-options) - [6\. Commitment to fairness and non-retaliation](https://www.finmo.net/hk/complaints#6-commitment-to-fairness-and-non-retaliation) At Finmo, we are fully committed to providing exceptional service to our clients. We understand that from time to time, issues may arise, and we welcome your feedback to ensure we continue to improve and deliver the best possible support and appreciate your feedback, as it helps us improve and serve you better. ## 1\. Our commitment to you We deeply value your feedback and are dedicated to resolving any issues you may encounter. Your satisfaction is important to us, and we want you to feel heard and supported throughout the process. Our complaints procedure is designed to be simple, effective, and transparent, so that we can address your concerns in the most efficient way. ## 2\. How to make a complaint If you have any complaints or concerns about our services, we encourage you to contact us directly through the channels below that are most convenient to you. **To help us assist you in the best way possible, please include:** - A clear description of your concern - Any supporting documents or evidence - Your contact details **You can reach us via:** - Email: compliance@finmo.net - Phone: 1300- 918-846 **Australia Office** - Address: Level 17, Chifley Tower Chifley Square Sydney, NSW 2000 **Singapore Office** - Address: 209 South Bridge Road, Level 3, Singapore 058758 ## 3\. Our complaints procedure We deeply value your feedback and are dedicated to resolving any issues you may encounter. Your satisfaction is important to us, and we want you to feel heard and supported throughout the process. Our complaints procedure is designed to be simple, effective, and transparent, so that we can address your concerns in the most efficient way. ### 3.1 Acknowledgment As soon as we receive your complaint, we will acknowledge its receipt within 24 hours. ### 3.2 Investigation We will begin investigating your complaint within 24 hours, carefully reviewing all the details and circumstances. Our goal is to resolve the issue as quickly as possible while ensuring a thorough assessment. ### 3.3 Regular updates We will keep you informed regularly throughout the process. We understand how important it is to stay updated, and we will ensure you are never left wondering about the status of your complaint. ### 3.4 Final response After reviewing and investigating the matter, we will provide you with a final response. This will include an explanation of our assessment of your complaint including any steps we plan to take to resolve the issue, such as: a. Offering remedial action b. Implementing improvements to our systems or services c. Offering redress, where appropriate Note: Most complaints may be resolved within a few days, but depending on the complexity, we may need the full 45 business days to provide you with a comprehensive response. ## 4\. Confidentiality We are committed to protecting your privacy. All information relating to your complaint will be handled confidentially in line with our Privacy Policy. No personal details will be shared outside of this process, and your complaint will only be shared with those who need to address it. ## 5\. External review options **If you are not satisfied with the resolution provided, we want to ensure you have options for further support. You may escalate your complaint to the relevant regulatory bodies:** In Australia, you can contact the Australian Financial Complaints Authority (AFCA) at: - Address: GPO Box 3, Melbourne VIC 3001, Australia - Phone: 1800 931 678 - Website: [https://www.afca.org.au](https://www.afca.org.au/) In Singapore, you can contact the Monetary Authority of Singapore (MAS) at: - Address: 10 Shenton Way, MAS Building, Singapore 079117 - Phone: +65 6225 5577 - Website: [https://www.mas.gov.sg](https://www.mas.gov.sg/) ## 6\. Commitment to fairness and non-retaliation We are committed to treating all complaints fairly and assure you that making a complaint will not result in any retaliation or negative consequences. We value your input and ensure that all concerns are addressed respectfully and without prejudice. Thank you for choosing Finmo. We truly appreciate your feedback and are committed to ensuring that any concerns are handled with the utmost care and attention ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/complaints#) Reject AllAccept All ## Finmo Partner Program Finmo Partner Program # Join the Finmo partner program Get Finmo working for you; and your clients. Open up new revenue streams and unlock the potential of full-stack treasury management and seamless global payments for your customers. [Let’s talk](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8742a02978f5d63956f8b021191552a04113f7cf-2688x1316.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7b21af95250c718c3f17ab73e6743c8f62675d3f-1094x1312.webp&w=3840&q=100) Why Finmo? ## Infrastructure for intelligent treasury Enable your clients to get complete cash visibility globally, forecast future liquidity and optimise working capital. All through a unified account that handles global collections, FX conversions, and cross-border payouts without additional banking infrastructure. ## Why partner with us? Global capabilities,
no build required From global money movement to daily cash management – offer your clients a full-stack treasury and payments infrastructure. Flexible and fast to launch You can launch quickly with no-code tools or APIs. Whether you want to refer, embed, or white-label, Finmo adapts to your business model and growth stage. Earn from day one Get paid for every client you bring or transaction you power. Recurring revenue. Monthly commissions. And choose the model that works for you – referral, embedded, or white-label. Unite your data Get paid for every client you bring or transaction you power. Recurring revenue. Monthly commissions. And choose the model that works for you – referral, embedded, or white-label. Secure, compliant, and scalable Built with enterprise-grade compliance. Licensed in 6 markets and certified with PCI DSS, SOC 2, and ISO 27001 – so you and your clients stay protected. Partnership models ## 3 ways to partner with us Whether you're an advisor, platform, or fintech, Finmo offers the right model to suit your business and clients. Referral Partner Instant access to Finmo’s global treasury platform Enable clients to collect, hold, hedge, and deploy cash globally — with real-time visibility – and earn from every successful referral. Key features Add value to - and monetise - your network by introducing a trusted global payment and treasury solution. No integrations. No licenses. Just a better way for your network to see, move, and grow their money. It’s perfect for… Advisors or businesses exploring partnerships with minimal overhead. Integrated Partner Treasury as a service (TaaS) through a hosted portal Launch a hosted portal, with flexible markup — own the client experience, not the infrastructure. Key features Enable clients to collect, hold, hedge, and deploy cash globally — with real-time visibility. No dev team, coding or infrastructure required. Set your own markup to maximize revenue from every transaction. It’s perfect for… Companies seeking quick revenue from payments without tech investment. Strategic Partner Full white-label ownership with maximum margin Own the complete client experience, UX and pricing – by embedding our ready-to-roll tech infrastructure. Key features White-label Finmo’s Treasury OS to power your own global payments and treasury solution. Scale globally without the burden of building infrastructure or managing compliance. It’s perfect for… Fintechs or providers building embedded finance or treasury capabilities. Partner portal ## One portal to manage it all Onboard and manage your clients effortlessly with our low-code API-led portal. Get set up and go live globally in weeks, not months. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F087805d3aab7b7f025e1808e52a4199536d6a109-864x1232.webp&w=3840&q=100) Fast on-brand onboarding Create a custom branded client experience with our white label portal Modular product control Choose which Finmo products to enable for clients and add, or change, them easily. Realtime reporting Track every transaction and commission in real time. Performance analytics Track performance across merchants, regions, and currencies to uncover growth trends. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd35c6f0413cc02ee9fa8cfabbe5a330cb6697f5a-1094x1312.webp&w=3840&q=100) ## Support to make it a success From a dedicated partner success manager and training for your sales team, to priority support channels and early access to new features – we go over and above to put our partners first. ## Let’s talk partnerships Share your details and one of our partnership team will be in touch to talk things through. [Get in touch](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/partners#) Reject AllAccept All ## Finmo Financial Guide # Financial Services Guide Contents - [Purpose and contents of this financial services guide](https://www.finmo.net/financial-services-guide#purpose-and-contents-of-this-financial-services-guide) - [Unless defined herein](https://www.finmo.net/financial-services-guide#unless-defined-herein) - [About Finmo](https://www.finmo.net/financial-services-guide#about-finmo) - [Accessing and using our services](https://www.finmo.net/financial-services-guide#accessing-and-using-our-services) - [Professional indemnity insurance](https://www.finmo.net/financial-services-guide#professional-indemnity-insurance) - [Record keeping obligations](https://www.finmo.net/financial-services-guide#record-keeping-obligations) - [Who do we act for?](https://www.finmo.net/financial-services-guide#who-do-we-act-for) - [Remuneration](https://www.finmo.net/financial-services-guide#remuneration) - [Interest](https://www.finmo.net/financial-services-guide#interest) - [Referral to Finmo](https://www.finmo.net/financial-services-guide#referral-to-finmo) - [Disclosure of conflict of interest](https://www.finmo.net/financial-services-guide#disclosure-of-conflict-of-interest) - [Dispute resolution](https://www.finmo.net/financial-services-guide#dispute-resolution) - [Privacy](https://www.finmo.net/financial-services-guide#privacy) ## Purpose and contents of this financial services guide This Financial Services Guide (“FSG”) is prepared by Paynow Technology Pty Ltd trading as Finmo Tech ACN 642 442 215 (“Finmo”, “us” “we” or “our”). Paynow Technology Pty Ltd trading as Finmo Tech is a subsidiary of Finmo Tech Pte Ltd, which (together with its subsidiaries globally) operates the “Finmo” brand. The information in this FSG relates to the Services provided by the Australian subsidiary. This FSG is designed to provide you with important information regarding our Services prior to providing you with a financial service and assist you in you in deciding whether to use any of the services offered in this FSG, including the following: - who we are & how you can contact us; - what services we are authorised to provide; - how we are remunerated for these services; - any (potential) conflicts of interest we may have; and - our dispute resolution process. ## Unless defined herein Capitalised words used in this FSG have the meanings as defined in the Product Disclosure Statement. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## About Finmo Finmo holds an Australian Financial Services Licence Number 535371 and is authorised to provide financial services relating to its non-cash payment product (NCP) to both retail and wholesale clients. You can contact us at: Address: Level 17, Chifley Tower Chifley Square Sydney, NSW 2000 Australia Email: compliance@finmo.net Website: www.finmo.net ## Accessing and using our services To access and use our Services, you must first register for an Account via the Finmo Platform, which is accessible via our website. By registering for an Account, you agree to the terms in our Business Terms and Conditions (available at [https://finmo.net/terms-conditions](https://www.finmo.net/terms-of-service), or an electronic copy can be provided by us free of charge upon request), Privacy Notice, the PDS, and this FSG. Your application for an Account must be approved by Finmo. Finmo reserves the right to refuse to open an Account for any person. ## Professional indemnity insurance In compliance with section 912B of the Corporations Act 2001 (Cth) and Australian Securities and Investments Commission Regulatory Guide 126, Finmo maintains professional indemnity insurance in connection with the financial products and services it provides, including any claims in relation to the conduct of Finmo’s former representatives/employees. ## Record keeping obligations Finmo will seek to ensure that comprehensive and accurate records of all client transactions and advice provided, are properly maintained. ## Who do we act for? Finmo is responsible for the financial services it provides to you under its Australian Financial Services Licence and does not act on behalf of any other financial services licensee. ## Remuneration Remuneration, commission & benefits expected to be received by Finmo for provision of financial services Finmo receives the following fees for the Services provided to its customers. - Transaction fees: Finmo receives transaction fees for each payin or payout transaction. The fees will vary based on the source and destination currencies and countries of the transaction, the size and frequency of your transaction, and the payment method used in the transaction. The exact fee applicable for each transaction will be disclosed to you in the Merchant Services Agreement (MSA) signed at onboarding. - Foreign exchange charges: Where currency conversion is required in respect of any transaction, Finmo will apply the prevailing exchange rate disclosed to you on the Finmo Platform which includes a percentage earned by Finmo. - Other fees and charges: Finmo may also charge you a fee for failed transactions, refunds, recalls or disputed transactions. ## Interest Finmo may also earn interest on the monies from the bank or other approved deposit-taking institution with which we hold funds received from our customers or on their behalf. The employees and partners of Finmo may also receive salaries, performance bonuses, commissions and other remuneration from Finmo. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Referral to Finmo Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Disclosure of conflict of interest Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Dispute resolution Finmo has an internal dispute resolution process in place to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. Any complaints or concerns should be directed to us via our Compliance team at compliance@finmo.net. We will seek to resolve your complaint within 30 calendar days or such further time period that may reasonably be required given the nature of the complaint. We will investigate your complaint, and provide you with our decision, and the reasons on which it is based, in writing. If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which Finmo is a member. Australian Financial Complaints Authority Phone: 1800 931 678 Post: GPO Box 3, Melbourne, Victoria 3001 Website: www.afca.org.au ## Privacy Your privacy is important to us and we are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We may disclose your personal information to external parties who act on our behalf in the operation of our business or in connection with the transactions to be undertaken. Such external parties are required and committed to protecting your privacy and where they are offshore, we take reasonable steps to ensure that to the maximum extent reasonably possible any information sent has the same level of privacy protection as we provide here in Australia. We will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us via the email provided if you have any concerns. Finmo will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us by writing to compliance@finmo.net if you have any concerns. Full details of Finmo’s privacy policy are available at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy). We will retain information obtained from you only as long as required by our regulatory obligations. This includes information required in order for us to comply with applicable laws and regulations for the prevention of money-laundering and counter-terrorism financing. The law allows you (subject to permitted exceptions) to access your personal information. You can do this by contacting us using our contact details set out in this FS. Where necessary, we will correct personal information where that information is found to be inaccurate, incomplete or out of date. We will not charge an individual for reasonable access and correction requests. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/financial-services-guide#) Reject AllAccept All ## Seamless Accounting Integration # Seamless accounting integration Connect Finmo to the tools you already use. Our easy-to-use APIs and integrations with popular accounting and business systems make it simple to sync remittance and FX transactions with minimal setup time. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd0905c0a92efa286765644f36469b7ef5be03d2d-1094x1312.webp&w=3840&q=100) ## Connect payments & FX data to your systems ERP integration Make reconciliation easier by syncing payment and FX transaction data directly into your ERP systems. Reduce manual work, minimize errors, and keep records aligned automatically. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5b9f83c5ba6b3c1b3ba449e7236cefc49679d63b-547x310.svg) Accounting software Sync remittance and FX transactions directly into your accounting system to simplify record-keeping and accelerate reconciliation. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d37c96b4868c98e8a4e578bd73ec3762eb8992e1-547x310.svg) Excel friendly Finance teams can manage pay-ins, pay-outs, and FX transactions by uploading data directly from Excel. A simple and flexible way to process multiple transactions without complex integrations. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3be512645ae6b79a571a8e1af043ba0273dfa755-1184x972.webp&w=3840&q=100) ## Build without boundaries Connect your systems directly to Finmo’s API to automate pay-ins, pay-outs, and currency exchange. Our developer resources and sandbox environment make it easy to integrate and scale your international payment flows. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ## Contact Finmo ![](https://cdn.sanity.io/images/3m8qrzh6/production/96cc0ce062aae9dd5bd5d299d0b1d5d7c372035d-24x24.svg) Contact us # See how modern CFOs unlock connected financial intelligence Book a 30-minute walkthrough tailored to your finance stack and growth stage. [Book a Demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F807a896204e3238fd9d7f94db2f5e9496ec11c07-2594x2412.png&w=3840&q=100) ## Our office locations ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1931a04857eb249382c464bdb7eed75b6a799b94-468x468.png&w=3840&q=100) Finmo Tech Pte. Ltd. 209 south bridge road #03-01, Singapore, 058758 ![](https://cdn.sanity.io/images/3m8qrzh6/production/693eefbf94e5133311389282ca6aec3f2299cfd3-28x28.svg) Finmo Tech India Pvt Ltd. 36/3, ITI Layout, Sector 7 HSR Layout, Bengaluru, Karnataka, 560102 ![](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Paynow Technology Pty Ltd. Level 17, Chifley Tower, 2 Chifley Square, Sydney, NSW 2000 Australia ![](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) Paynow Technology Pty Ltd. Level 31, 2-6 Gilmer Terrace, Wellington, 6011, New Zealand ![](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) Finmo LLC 2041 East St PMB 589, Concord, California, 94520, US ![](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Finmotech Canada Inc 7700 Hurontario Street, #503, #2073,Brampton,Ontario,Canada,L6Y 4M3 ![](https://cdn.sanity.io/images/3m8qrzh6/production/b60084b3448cedf575355e6035ac92e3b9affd2b-28x28.svg) FINMO POLAND SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ, POZNAŃ ul. Mlynska, 16 pietro 8, 61-730 Poznan ![](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Finmo HK Limited 10/F of YF Life Tower, 33 Lockhart Rd, Wan Chai ![](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) Finmo UK Group Limited 86-90 Paul Street, London, England, EC2A 4NE ![](https://cdn.sanity.io/images/3m8qrzh6/production/d5aa6f0cd4e74c181cbdaade1f3e9cd010d55571-28x28.svg) Finmo Tech Philippines Inc Unit 1806 Cityland Pasong Tamo Tower, 2210 Chino Roces Ave., Pio del Pilar, City of Makati, Fourth District, National Capital Region (NCR), 1230 ## Not sure if Finmo is right for you? Speak to our team to understand how modern treasury teams are replacing spreadsheets and fragmented tools. [Talk to a treasury specialist](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Financial Clarity Solutions For scaling startups # Get the financial clarity you need to scale Get full visibility over all aspects of your startup's finances so you can always answer any question. Connect your accounts and instantly see your real-time cash position and runway forecast. [Get full visibility](https://dashboard.finmo.net/signup) [2-min demo](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8997c6324711a56817d8488ebdc87e584bad6a4d-1644x1968.webp&w=3840&q=100) Use with all major banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Make better decisions with financial clarity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F82b0b2bb799977c058edd33ea8fdafd226a29df8-5360x3020.webp&w=3840&q=100) Built for fast-growing startups ## Make better decisions with full visibility See your global cash position, forecast your runway in real time, and stop wasting time on bank reconciliation. Trade in your fragmented financial system for something that gives you the confidence to make better decisions every day. Activate mass payouts Upload your payee list, set currencies and amounts, and execute batch payouts to your entire creator and affiliate network in one go to 180+ countries. \- Batch payouts to 180+ countries in a single operation. \- Pay every creator in their local currency, no forced conversion on their end. \- See every payment status, every balance, every currency in real time. Save on FX On $200K in monthly creator payouts, PayPal's cut is $4,000–$6,000. Finmo uses institutional FX rates with no hidden spreads, no platform markups, and no per-seat fees. Collect from clients without forced conversion on arrival. The margin stays yours. \- Institutional FX rates, no hidden bank spreads. \- Collect client fees in 30+ currencies without forced conversion \- No per-seat fees. One account, both sides of every transaction Automated reconciliation Connect all your bank accounts and see client inflows and outflows in real time. Know your actual margin before month-end, not after. \- Full cash position across all accounts, currencies, and entities in one dashboard \- Real margin visibility - client inflows vs. creator outflows, updated in real time \- Forecast cash flow based on expected inflows and outflows, no spreadsheet required Full financial control ## See your runway in minutes Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your cash Your total cash position appears instantly – across all accounts, in your base currency. Know your runway Calculate your runway with real-time data and plan for different scenarios. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Be board-ready any time Export board-ready data and reports based on real-time information in seconds, and always be prepared for questions. [See your runway](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by the fastest-growing startups and CFOs Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo The world's fastest-growing startups and scaleups rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay Limited-time offer ## Get US$555 in transaction fee credits Activate payments and complete your first transaction within 4 weeks to receive US$555 in transaction fee credits. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). ## See your runway instantly Connect your banks. See your cash. Know your runway. Free to start – no KYB required. [See your runway](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/draft-copy/get-started/startups#) Reject AllAccept All ## Startup Financial Clarity For startup CFOs & founders # Get the financial clarity you need to scale Get full visibility over all aspects of your startup's finances so you can always answer any question. Connect your accounts and instantly see your real-time cash position and runway forecast. [Get full visibility](https://dashboard.finmo.net/signup) [2-min demo](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe35fd13808e2aae37f80a5bcc88c076d6d0c6cd5-2524x2624.webp&w=3840&q=100) Use with all major banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Make better decisions with financial clarity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F82b0b2bb799977c058edd33ea8fdafd226a29df8-5360x3020.webp&w=3840&q=100) Built for fast-growing startups ## Make better decisions with full visibility See your global cash position, forecast your runway in real time, and stop wasting time on bank reconciliation. Trade in your fragmented financial system for something that gives you the confidence to make better decisions every day. All your banks in one view See all your bank accounts, currencies, and countries in one dashboard updated in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd0cf69cc7d6fa899b674002ddf3a0456eff625fa-2188x1238.webp&w=3840&q=100) Runway that calculates itself Let your runway forecast itself based on real-time information and activity, not outdated data. Toggle between different scenarios to make the right decisions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc4734ffeaf4749884dbb55b44071c84fae347c42-2188x1192.webp&w=3840&q=100) 13-week cash forecast Get a rolling forecast based on accurate, real-time information, historical data, and known recurring items. Syncs with Xero and QuickBooks. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f52474851a1ba90c7e5da46f85e0147aef8cfed-2124x1412.webp&w=3840&q=100) Intelligent alerts that eliminate surprises Receive alerts on unexpected charges, large outflows, and fall-below cash thresholds so you're never caught off guard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff003e724326deab198a48a0dac7a3e1d5c8146eb-2188x1208.webp&w=3840&q=100) Activate global payments when you're ready Pay international contractors, suppliers, or team members in 180+ countries – all from one platform ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5ae800c0ed102b9b084d071b73fa1bfb55d1b0c4-2188x1180.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Full financial control ## See your runway in minutes Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your cash Your total cash position appears instantly – across all accounts, in your base currency. Know your runway Calculate your runway with real-time data and plan for different scenarios. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Be board-ready any time Export board-ready data and reports based on real-time information in seconds, and always be prepared for questions. [See your runway](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by the fastest-growing startups and CFOs Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo The world's fastest-growing startups and scaleups rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ## See your runway instantly Connect your banks. See your cash. Know your runway. Free to start – no KYB required. [See your runway](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/startups-draft#) Reject AllAccept All ## Global Payroll Solutions For HR & EOR platforms # Run global payroll with 100% accuracy Run global payroll without a hitch every cycle, because your reputation depends on it. Never lose your client's trust. Always pay on time. [Start paying now](https://dashboard.finmo.net/signup) [How it works](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F31553f1f03eb2055210e375a5b158a5d9f27f562-2353x2624.webp&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## See the difference with financial clarity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fcf103bf5ec6846b3620f5d315bb789447ea6a04f-5360x3020.webp&w=3840&q=100) Built for payroll at scale ## Fund every cycle and country with confidence Always run reliable payrolls globally with an audit trail every cycle. Payroll funding forecast See obligations by country, currency, and pay cycle weeks in advance. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e67895ddaee3cdc1dc621d447384ab0966baca6-2188x1180.png&w=3840&q=100) FX exposure management See your currency risk on the full payroll run and lock rates before execution. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7481520f6d924969dc326a2b2fa50832f960993f-2188x1180.webp&w=3840&q=100) Multi-bank visibility See all funding accounts across every country in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff68ba5b1b32f5a26b8a3415065b5cac0d1bb29ed-2184x1324.png&w=3840&q=100) Payment controls Set approval workflows, segregation of duties, and establish a full audit trail. ![](https://cdn.sanity.io/images/3m8qrzh6/production/ae5e751f50532cf7298ef816d0e21de98b41bc41-547x310.svg) Multi-country execution Pay globally like a local on the same day. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F308368801c092af61181168db114cd7af0c2a32e-2259x1114.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by global HR and EOR platforms Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo The smartest HR and EOR platforms globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## Run reliable payrolls every cycle Connect your funding accounts in minutes. Free to start – no KYB required. [Start paying now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/hr-eor#) Reject AllAccept All ## Global Payments Solutions Global Payments Solutions # Support growth with smarter real time global payments Finmo’s global payments platform gives finance teams real-time visibility and control over every international payment. Collect locally, pay globally, manage FX transparently, and move money with confidence, all from one connected system. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb7fee882239cb61df27fd32d9add3326881c52ec-1200x1350.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/2245cb3bba265521c7230cac2268164a589ff26b-547x656.svg) Global currency accounts ## Collections without borders Get paid like a local in 30+ currencies. Open virtual accounts for business payments in minutes and use your customer’s preferred payment method. With Finmo's global payments platform, finance teams gain real-time payments tracking, transparent FX, and cost-efficient international transfers. [Global currency accounts](https://www.finmo.net/product/payments/global-multi-currency-account) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F837874f27265807610b88a8331fc63d8de16812e-1094x1312.webp&w=3840&q=100) Local and cross-border payouts ## Global payments, simplified Send real-time local and international payments across 180+ countries in 80+ currencies. Finmo’s international payments platform delivers fast settlement, transparent pricing and built-in FX; all through a single global payments infrastructure. [Local & cross-border payouts](https://www.finmo.net/product/payments/local-and-cross-border-payments) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd0d316d82cb956f65692186b49abe2a8f771464a-1094x1312.webp&w=3840&q=100) Real time FX payments ## Be sure what you’re sending Access live, competitive FX rates for 80+ payout currencies with full visibility into fees. Lock rates and know exactly how much your beneficiary will receive and the amount deducted from your account — before you make the payment. Sender Validation for Error-Free International Payments ## End payment errors Instantly verify account ownership across regions to reduce fraud and payment errors. With Confirmation of Payee in Australia and Verification of Payee in the UK and Europe, Finmo’s global payments platform ensures every transaction reaches the right destination. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d685ff2259917390c9e916da8947220eee3e5d6a-1344x604.svg) Submit payee details Whether you're onboarding a beneficiary or processing a payout, Finmo verifies accounts instantly with just a name, bank, and account number. Verify instantly Finmo connects to a global network of banks and payment service providers to validate the data. Review & proceed Receive per-payee verification results instantly and choose to proceed with the transaction or review details before authorizing the payment. Security & Compliance for Global Payments ## Smart fraud defence.  Secure funds. Finmo’s global payments platform is secured on two fronts. Partnerships with global financial institutions ensure your funds are securely held in compliance with local regulations and international standards. And advanced transaction monitoring automates the detection and flagging of suspicious activity in real-time. ![PCI DSS](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![SOC2 TYPE2](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![ISO 270001](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong [Licences & Registrations](https://www.finmo.net/about/license-and-registrations) ## Build smarter financial flows with AR/AP automation Move manual AR/AP workstreams, to smooth automated workflows. [AR/AP automation](https://www.finmo.net/product/ap-ar-automation) ## Try Finmo’s global payments platform today Sign up to explore our dashboard for yourself.Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea&__hstc=13127592.1afaa9afb9907e39aa624792feab9168.1770870535482.1772097382530.1772507781574.9&__hssc=13127592.7.1772507781574&__hsfp=690ea981d774df429b9918e7451e2da4) FAQs Frequently asked questions about real time payments and global transfers How do we reduce FX costs and improve transparency on cross-border payments? Finmo provides live, competitive FX rates with full transparency into fees and converted amounts before funds move. Finance teams can execute real-time FX payments, lock rates and see exactly what beneficiaries will receive. This reduces hidden spreads, improves forecasting accuracy and strengthens margin control across [international transactions](https://www.finmo.net/product/payments/local-and-cross-border-payments). How can we use virtual accounts for global collections? Virtual accounts allow businesses to receive payments in multiple currencies using dedicated local account details, without opening separate bank accounts in every country. With Finmo, finance teams can issue virtual accounts across 30+ currencies to collect from customers, partners or marketplaces as if they were local. Each virtual account can be assigned by entity, region or customer, making it easier to segment inflows, automate reconciliation and track performance in real time. This enables businesses to: 1\. Collect local currency payments without complex cross-border banking setups 2\. Reduce reliance on multiple banking relationships 3\. Improve visibility over global cash inflows 4\. Simplify multi-entity or multi-market operations By centralising collections within Finmo’s global payments platform, CFOs gain unified control over incoming funds while maintaining compliance and reducing operational friction. Learn how to create a virtual account with finmo: [https://docs.finmo.net/docs/virtual-account](https://docs.finmo.net/docs/virtual-account). How does Finmo ensure fund safety and payment security? Finmo operates under regulatory licences across 7 markets, providing oversight and compliance aligned with international financial standards. Client funds are safeguarded in accordance with applicable regulatory requirements and held separately with trusted financial institution partners, ensuring they are not used for operational purposes. See Finmo's licenses details here: [https://www.finmo.net/about/license-and-registrations](https://www.finmo.net/about/license-and-registrations) In addition to regulatory safeguards, Finmo applies layered security controls across every transaction. This includes real-time transaction monitoring, beneficiary validation, role-based approval workflows and anomaly detection to reduce fraud and prevent payment errors before funds are released. Which use cases is the global payment platform designed for? The Finmo global payment platform is explicitly designed for finance and treasury teams that manage financial operations across numerous countries. Core use cases include managing cross-border payroll, supplier payouts, customer refunds, and marketplace settlements at scale. By combining virtual accounts, local and cross-border receivables and payouts, and real time FX payments, Finmo simplifies these complex global workflows and gives centralized finance teams control over their entire international payments infrastructure. How does Finmo keep international payments secure and compliant? Finmo keeps international payments secure and compliant with strong customer verification processes, real time transaction monitoring and 3DS authentication alongside partnerships with regulated financial institutions. Finmo’s global payments platform also adheres to the following global standards for data and systems security: PCI-DSS Compliant (Payment Card Industry Data Security Standard): Global security standard for all organizations that store, process, or transmit payment card data, ensuring a secure environment to prevent fraud and breaches. SOC 2 Type 2 (System and Organization Controls 2): Verifies that a service organization's controls for security, availability, and processing integrity have been designed and operated effectively over a specified period of time. ISO 27001 (Information Security Management System): Globally recognized standard provides a systematic framework for establishing, implementing, maintaining, and continually improving the security of all information assets. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/payments#) Reject AllAccept All ## FX Management Solutions # Effortless transactional FX management Unlock competitive FX rates and simplify currency conversions for your international transactions, all from one platform. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc588f443ff7adc7415eb80a545ebfe45bab62d22-1245x1350.webp&w=3840&q=100) ## Transparent and competitive FX rates ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0934e4a7ba1e199b485b688f6aeebf7109a3dfe3-1094x1312.webp&w=3840&q=100) ## Know exactly what you pay Access competitive FX rates in HKD and major currencies with full transparency on fees and margins. Every transaction is clearly priced, so you know precisely what your beneficiary will receive. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fea75ff5a3779f56f7b7c3b27fa62b19a4bb3883f-1094x1312.webp&w=3840&q=100) ## Lock rates on your terms Secure FX rates for up to 24 hours across major and selected emerging currencies. Protect against market volatility with guaranteed, time-bound pricing. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa9a11c73c8c59115f963a562667028af350199df-1094x1312.webp&w=3840&q=100) ## Simplify international payments for your business Finmo supports secure HKD and foreign currency transfers to partners, suppliers, or employees worldwide, with same-day settlement in most cases and full compliance with Hong Kong regulations. ## Build without boundaries Connect your systems directly to Finmo’s API to automate pay-ins, pay-outs, and currency exchange. Our developer resources and sandbox environment make it easy to integrate and scale your international payment flows. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/fx-conversion#) Reject AllAccept All ## Finmo Media Resources ![](https://cdn.sanity.io/images/3m8qrzh6/production/191af40e5985ae2c0b62ee0287b41d87b1c0e266-24x24.svg) Press centre # Media Resources Here you’ll find everything you need to know about Finmo, including company information, logos, and media contact details. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F00b63090a7a071463d023bc99193bd2f1f27fef2-1048x574.jpg&w=3840&q=100) ### Logo Suite Download Finmo logos for use on light and dark backgrounds. Please contact the Finmo team for any questions regarding usage. [![](https://cdn.sanity.io/images/3m8qrzh6/production/d47d98641fe54089f38b3f5f9df5e071cc334869-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1eYl-GCI9EbEPNLXxpb2YbFfuF474dizy?usp=sharing) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc2a364f22b508507dadc76b9f23ebf9b0429e861-1048x574.jpg&w=3840&q=100) ### Finmo Brand Guidelines Access Finmo brand guidelines, including fonts and colours usage, iconography, imagery, our value proposition and values. [![](https://cdn.sanity.io/images/3m8qrzh6/production/2fa3195dcfcf290210ee6d7dcce4f173ce6837a1-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1iuEMeoXLZWUUEgcqdN5Zd-eJSIw1VtFK?usp=sharing) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F381028e696a2d0285ed6eac6491740da1c4d2beb-1048x574.jpg&w=3840&q=100) ### Company Information Finmo’s company description, our product offerings, key facts, milestones and geographic presence. [![](https://cdn.sanity.io/images/3m8qrzh6/production/2fa3195dcfcf290210ee6d7dcce4f173ce6837a1-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1iuEMeoXLZWUUEgcqdN5Zd-eJSIw1VtFK?usp=sharing) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9bfc4200edd1d2cd2382c5423354e00af506f031-1048x574.jpg&w=3840&q=100) ### Brand Videos The most recent Finmo’s brand video in high-resolution. [![](https://cdn.sanity.io/images/3m8qrzh6/production/2fa3195dcfcf290210ee6d7dcce4f173ce6837a1-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1Mlw4Ay1AF_Q3Ts9uxZ1tvh5IDLScLZVW?usp=sharing) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/media-resources#) Reject AllAccept All ## Agency Global Payments For marketing & affiliate agencies # Protect margins on global creator payouts Execute multi-currency payouts to creators and vendors worldwide while maintaining real-time visibility into cash flow and margins. Collect in 30+ currencies. Payout to 180+ countries. [Protect your margins now](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8b3b48cccabaf30133953a225eece1e5ec8c175a-2378x2700.webp&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## See the difference of full visibility ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e3179591a6d93d243be4a0997b1a413c93070c9-5360x3020.webp&w=3840&q=100) Built for agencies that pay globally ## See inflows and outflows in real time Most agencies manage client revenue and creator payouts in completely separate systems. Finmo connects both sides, so you can see your real margin in real time, not after the month closes. Connected bank accounts See your full cash position across all retainers and accounts in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F79a637dd897dbc3fa2310b6696598fdc6a7d576e-2188x1180.webp&w=3840&q=100) Real margin, all month Get full visibility over client inflows and creator outflows, in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe6a5698bfddb46cc192b49f69d42190404472955-2188x1236.webp&w=3840&q=100) Batch multi-currency payouts Pay hundreds of creators and affiliates in their currency in one go. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F44c4ed6a9131df80a54b7e35db8cb4b73592f747-2132x1390.webp&w=3840&q=100) Competitive FX Say goodbye to hidden spreads eating into your margins, and always get transparent pricing. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F35d0a2990223926f04d17af805800f9046064297-2188x1180.webp&w=3840&q=100) Xero & QuickBooks sync Say goodbye to matching spreadsheets to bank statements manually and see payments flowing in automatically. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f1401023d7831ad7a00971a5eb688ee4b2e9716-2188x1180.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## What businesses are saying about Finmo The fastest-growing agencies globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay How global agencies run finance ## See your global cash position in minutes Connect your accounts Link all your bank accounts instantly. Your money won't move without your approval. See all your cash Get full visibility of all balances across all accounts and currencies before you pay, from one dashboard. Pay creators anywhere Upload your payee list. Set currencies and amounts. Execute batch payouts to 180+ countries. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) See your margin Inflows from clients. Outflows to creators. Your real margin - visible in real time, not at month-end. [See your cash](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by ambitious global agencies Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## Protect your agency's margins Connect your banks, see your cash, know your margin. Free to start – no KYB required. [See your margins now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/agencies-draft#) Reject AllAccept All ## Cashflow Kickstart Terms # Cashflow Kickstart Last updated: March 16, 2026 Contents - [1\. Promoter](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#1-promoter) - [2\. Eligibility](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#2-eligibility) - [3\. Promotional reward](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#3-promotional-reward) - [4\. Verification](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#4-verification) - [5\. Promotional period](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#5-promotional-period) - [6\. Anti-abuse](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#6-anti-abuse) - [7\. Communications consent](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#7-communications-consent) - [8\. Privacy](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#8-privacy) - [9\. General](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#9-general) ## 1\. Promoter This promotion (the “Offer”) is promoted by Finmo Tech Pte Ltd (“Finmo”). ## 2\. Eligibility To qualify for the Offer, a business must: 1. Create a Finmo account and successfully complete all required Know Your Business (KYB) verification and onboarding steps on the Finmo platform in accordance with Finmo’s Terms of Service (available at [www.finmo.net](https://www.finmo.net/)); 2. Upload at least one valid bank statement to the Finmo Treasury Dashboard as part of the promotional eligibility requirements; and 3. Successfully complete and settle at least one Finmo pay-in or pay-out transaction using the Finmo dashboard with a minimum value of USD 500. 4. Complete steps 1-3, above within 30 days of completing your KYB verification. Transactions that are reversed, refunded, cancelled or otherwise not successfully settled will not qualify. Eligibility will be assessed by Finmo based on the criteria set out in these Terms and Finmo’s compliance, risk management and onboarding policies. Finmo may decline eligibility where required to comply with its legal, regulatory, anti-money laundering, sanctions, or risk management obligations. Duplicate or multiple accounts created by the same business, individual, or related entity are not eligible. The Offer is not available to Finmo employees, contractors, affiliates, or businesses located in jurisdictions where the Offer is prohibited by law. Finmo may request additional information reasonably required to verify eligibility. ## 3\. Promotional reward Eligible businesses will receive USD 555 in promotional fee credits (the “Reward”). ### The Reward: - will be applied against Finmo transaction processing fees incurred on the Finmo platform; - cannot be withdrawn, transferred, exchanged, or redeemed for cash; - may only be used toward eligible Finmo service fees; and - will be automatically applied to applicable transaction fees until the Reward balance is fully used or expires. The Reward expires 90 days after it is issued if any balance remains unused. The Reward is issued once per eligible business account. ## 4\. Verification Finmo may take reasonable steps to verify: - the identity of the business; - the authenticity and completeness of any uploaded bank statements; - the accuracy of information provided during onboarding; and - compliance with KYB, sanctions screening, and regulatory requirements. Finmo may withhold or cancel the Reward if: - eligibility requirements are not satisfied; - verification cannot be completed; or - fraudulent, misleading, inaccurate, or incomplete information has been provided. ## 5\. Promotional period The Offer commences at 12:00am Singapore Time (SGT) on 16 March 2026 and will continue until withdrawn by Finmo. Finmo may withdraw or amend the Offer at any time by updating or removing the promotion from the Finmo website. Any eligible participant who has satisfied the requirements prior to withdrawal will remain eligible to receive the Reward. Finmo may limit the total number of Rewards issued under this Offer. ## 6\. Anti-abuse Finmo reserves the right to disqualify any participant where Finmo reasonably believes the participant has: - attempted to manipulate or circumvent the promotion; - engaged in abusive, fraudulent, or deceptive behaviour; or - undertaken transactions primarily intended to artificially trigger the Reward. ## 7\. Communications consent By participating in this promotion, you acknowledge that Finmo may contact you regarding: - your onboarding progress; - verification requirements; and - issuance of the Reward. Promotional communications (such as product updates, feature announcements or marketing communications) require separate consent, which is collected via an unticked checkbox during signup. You may unsubscribe from such communications at any time. ## 8\. Privacy All personal and business information collected in connection with this Offer will be handled in accordance with Finmo’s Privacy Policy. Information provided for KYB, onboarding, transaction verification and eligibility assessment may be used for compliance, fraud prevention, regulatory obligations, and administration of this Offer. ## 9\. General Participation in this promotion constitutes acceptance of these Terms & Conditions. Finmo will determine eligibility in accordance with these Terms and its applicable compliance and risk policies. Finmo will not be responsible for delays or failure to issue the Reward caused by: - technical failures or system outages; - third-party service interruptions; or - incomplete or inaccurate information provided by the participant. This promotion relates to Finmo’s payment and treasury services only and does not constitute financial advice or a recommendation to use any financial product or service. These Terms are governed by the laws of Singapore. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#) Reject AllAccept All ## Finmo Pricing Plans Finmo Pricing ## One platform. Flexible pricing. Full financial control. Choose the modules that matter most to your business today and expand as complexity grows. Finmo’s modular pricing ensures you only pay for what delivers value, while maintaining full visibility and control across accounts, entities, and markets. ## Subscription Overview Designed to support different stages of scale - from getting started
to managing complex, multi-entity operations. Essential Best for small teams getting started with
core cash and payment workflows. Free [Get started](https://dashboard.finmo.net/signup) Plus Designed for finance teams managing higher volumes that need forecasting, reconciliation, and more advanced cash control. $49/mo/user [Get started](https://dashboard.finmo.net/signup) Enterprise Built for organizations managing multiple entities, higher complexity, and bespoke operational requirements. Custom [Talk to our team](https://www.finmo.net/contact-us) Subscription fees are charged per entity for Essential and Plus plans. The Enterprise plan covers all entities within the organization. Fees exclude GST (if applicable) and are separate from transaction-based or payment method fees. # Compare plans Compare plans Essential For startups and growing companies who want to simplify finances Free [Get started](https://dashboard.finmo.net/signup) Plus For mid-sized companies looking to scale and automate mission-critical treasury functions $49/mo/user [Get started](https://dashboard.finmo.net/signup) Enterprise For global enterprises who need full customization Custom [Talk to our team](https://www.finmo.net/contact-us) Cash management Accounts Receivable Management Automated Invoicing Create and send invoices to customers automatically Recurring Invoicing & Auto-Pay Support full subscription billing and auto-pay flows. Payment Tracking Monitor customer payments and identify overdue accounts Customer Communication Send payment reminders and statements to customers Cash Application Automate matching payments to invoices for a clear view of cash Reporting and Analytics Generate reports on receivables aging, payment statuses, and other key metrics. Early Payment Discounts Auto-applies early pay discounts when available – ensure incentives aren't missed. AI-Driven Collections Smart workflows for escalations, follow-ups, and past-due prioritization. Connected Finance Connects with accounting software and other business systems. To be advised Accounts Payable Management Intelligent Invoice Capture Real-time, AI-powered OCR that extracts key data from invoices Multi-payment Methods Pay vendors through various methods, including ACH transfers, cards, wire transfers, etc. Invoice Coding AI auto-coding that predicts and learns from GL history. Customizable Approval Workflow Flexible routing by vendor, amount, department, or code. Purchase Order (PO) Matching Automatically matches invoices against corresponding purchase orders Fraud Monitoring Real-time detection for duplicates and suspicious activity. Connected Finance Connects with accounting software and other business systems. To be advised Invest Endowus\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Syfe\*\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Analytics and Value-Added Features Balance Live balances & transactions from your bank accounts, & gives you a single, up-to-date view of your true cash position Intelligent Upload - Included
Direct API - To be advised Cash Flow Forecasting Generate cash flow forecasts for up to 6 months with predictive modeling. Take control of your liquidity management decisions. 13-week rolling week forecasts Multi-entity Management Real-time performance insights across all your business units. Perform transactions across multiple entities from a single location. Unified Integration Bank Connectivity Gain complete visibility into cash positions across all accounts by securely connecting your bank accounts Intelligent Upload - Included Direct API - To be advised Accounting Software Connectivity Sync payments and automate the posting of journal entries to your general ledger. Accelerate your reconciliation processes. Intelligent Upload - Included Direct API - To be advised Excel The most common tool used by SMEs and MMEs finance teams. Send data to Cash and FX Management Modules. ERP Connectivity Aggregate cash data from your ERP systems for a single view of your cash flow. Generate industry data feeds such as VCF, CDF, MT940, and MT942. Intelligent Upload - Included Direct API - To be advised MO AI Conversation AI Interface Ask natural language questions across cash, payments, FX, and compliance — no training needed. Proprietary Treasury Intelligence Trained on Finmo's unique finance datasets, entity structures, payment flows, and risk patterns for an unmatched financial context. Real-Time Operational Actions Not just insights. MO can trigger payments, generate reports, or set hedging actions directly from chat. Multilingual Support Serve global teams with intelligent support in English, Bahasa, Thai, and more, ensuring relevance across markets. Payments fees ## Payments fees 
(usage‑based) The following fees apply when using Finmo’s payments and money
movement capabilities. These are usage-based and sit outside the
subscription plans above. ### Global Currency Account (GCA) Account Creation Free SWIFT (SHA)\[1\] $25 Prefunding Fee (Top-Up) $0 For USD, AUD, EUR, GBP, SGD Any GCA top up in the above currencies in customer gca wallet or master wallet (event: gca topup) will be charged $0 Whitelisting rule will not be applicable for GCA topup i.e. no matter the sender, we will not charge for the topup FX Rate \[2\] United States Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Australian Dollar (AUD), New Zealand Dollar (NZD), Canadian Dollar (CAD), Swiss Franc (CHF), Norwegian Krone (NOK), and Swedish Krona (SEK), Singapore Dollar (SGD) 0.50% Other Currencies 1.00% Cross-Border Convenience Fee 0.10% For a like-for-like currency cross-border transfer. This is in addition to the SWIFT (SHA) feei.e., AUD-AUD SWIFT payments \[1\] SHA: Both the client (sender) and beneficiary will pay fees to the sending bank. The beneficiary will receive the amount transferred, less the intermediary banks' fees. \[2\] The customer's mark-up/margin will be included as the FX exchange rate used to convert one currency into another. If any currency is not listed, it will be treated as an "other currency" ### Payment Method Fees Cards - Visa, Mastercard (Blended) Domestic 2.6% + $0.30 Per successful transaction International 3.4% + $0.30 Per successful transaction Local Bank Transfer SG: PayNow, FAST, MEPS 0.20% + $0.30 Per successful transaction ID 0.50% + $0.30 Per successful transaction MY: FPX 0.20% + $0.30 Per successful transaction PH 0.50% + $0.30 Per successful transaction TH: Prompt Pay 0.50% + $0.30 Per successful transaction VN 0.50% + $0.30 Per successful transaction AU: PayID 0.20% + $0.30 Per successful transaction NZ: Poli 1.50% + $0.30 Per successful transaction US: ACH, RTP, FEDNOW 0.50% + $0.30 Per successful transaction EU: SEPA 0.50% + $0.30 Per successful transaction Local Digital Wallet ID: GoPay, OVO, LinkAja, ShopeePay, DANA 2.6% + $0.30 Per successful transaction MY\[1\]: Shopeepay, Grabpay, WeChatPay (only MY entities), Touch N Go 2.6% + $0.30 Per successful transaction PH: GCash, Maya, Maya bill pay, Coins.ph, Shopee Pay, Grabpay 2.6% + $0.30 Per successful transaction TH\[2\]: Rabbit Line Pay, True Money 2.6% + $0.30 Per successful transaction VN: Zalopay, Appotapay, VNPT Money, Viettelpay, Shopeepay 2.6% + $0.30 Per successful transaction \[1\] Payout in MYR only to Malaysian entities \[2\] Payin ONLY ### Other Fees Settlement Fee 0.50% Per conversion of a transaction currency into
the settlement currency Refund\[1\] $0.30 + any network charge Per refund request Chargeback\[1\] $20 + any network charge Per chargeback request Bank Account Validation $1.00 Per successful verification API Integration Set Up Fee Varies Early Termination Fee Varies \[1\] Excludes any additional fees or charges imposed by Finmo’s Network Partners. Such charges will be passed on to you by Finmo. \*Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested. Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly. The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate. Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country. \*\*Finmo acts an introducer to licensed financial advisors, including Syfe Pte. Ltd. ("Syfe"). In return for introducing clients to them, Finmo receives a revenue share. Syfe is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Please note that we don't take into account your business's objectives, circumstances or financial needs. Any advice given by us is of a general nature & informational only and is not personal financial product advice (meaning it does not take into account your objectives, financial situation or needs). Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement or other offer document prior to making an investment decision in relation to a financial product (including a decision about whether to acquire or continue to hold). As investments provided by our partners carry risk, before making any investment decision, please consider if it's right for you and seek appropriate taxation and legal advice. All financial products involve risk and you should ensure you understand the risks involved as certain financial products may not be suitable to everyone. Past performance of any product described on this website is not a reliable indication of future performance. ## Try Finmo today Sign up and start exploring our dashboard today, or book a demo to talk things through with our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/pricing#) Reject AllAccept All ## Privacy Policy Overview # Privacy Policy Last updated: December 17, 2025 Contents - [Scope](https://www.finmo.net/privacy-policy#scope) - [Personal Data](https://www.finmo.net/privacy-policy#personal-data) - [Collection, use and disclosure of personal data](https://www.finmo.net/privacy-policy#collection-use-and-disclosure-of-personal-data) - [Cookies](https://www.finmo.net/privacy-policy#cookies) - [Information from Third-Party Sources](https://www.finmo.net/privacy-policy#information-from-third-party-sources) - [Retention of Customer Personal Data](https://www.finmo.net/privacy-policy#retention-of-customer-personal-data) - [Protection of Customer Personal Data](https://www.finmo.net/privacy-policy#protection-of-customer-personal-data) - [Access and Correction of Customer Personal Data](https://www.finmo.net/privacy-policy#access-and-correction-of-customer-personal-data) - [Links to other websites](https://www.finmo.net/privacy-policy#links-to-other-websites) - [Transfer of customer personal data outside of Singapore](https://www.finmo.net/privacy-policy#transfer-of-customer-personal-data-outside-of-singapore) - [Consent and withdrawal of consent](https://www.finmo.net/privacy-policy#consent-and-withdrawal-of-consent) - [Data subject rights](https://www.finmo.net/privacy-policy#data-subject-rights) - [Data breach communication](https://www.finmo.net/privacy-policy#data-breach-communication) - [Data protection officer](https://www.finmo.net/privacy-policy#data-protection-officer) - [Changes to policy](https://www.finmo.net/privacy-policy#changes-to-policy) This privacy policy sets out the basis on which Finmo and its group of companies around the world stated below (collectively known as “Finmo”) may collect, use, disclose or otherwise process personal data relating to you in accordance with the Personal Data Protection Act (PDPA): a. Finmo Tech Pte Ltd b. Paynow Technology Pty Ltd c. Finmo LLC d. Finmotech Canada Inc We use the information we collect about you to maximize the services that we provide to you. We respect the privacy and confidentiality of the information provided by you and adhere to the International Privacy Principles in markets we operate. Please read our Policy below carefully. ## Scope This Policy applies to personal data in the possession or under the control of Finmo, including any organization that Finmo may engage to collect, use, disclose or process personal data for the purposes of Finmo. ### Limited Applicability Finmo is currently not established in the EU region and do not offer goods or services to, or monitor the behavior of, individuals in this jurisdiction. We do not have EU employees, vendors, or customers. On this basis, the GDPR generally does not apply to our current processing activities. ## Personal Data 1. Personal data defined under the PDPA refers to: a. Data about an individual who can be identified from that data, or b. From that data and other information to which the organization has or is likely to have access. 2. PII Scope: a. Finmo primarily collect personal data of employees and minimal personal data of end users. We act as independent controllers for personal information we collect about our employees and job applicants for HR and corporate administration. 3. "Customer Personal Data" means any personal data which you disclose to Finmo. If you are an individual user of the services and/or products of Finmo, personal data which we may collect includes your: a. Name (including any alias used by you); b. Gender; c. Date of birth; d. Nationality; e. Country of residence; f. Identification number (including passport number); g. Tax residency; h. Proof of identity; i. Proof of residence; j. Employment information; k. Financial information; l. Transaction information; m. Proof of source of funds. n. IP address; o. MAC address; 4. If you are a corporate user of the services and/or products of Finmo, Customer Personal Data which we may collect from your directors, shareholders, beneficial owners, employees and any other individual authorized to act on your behalf (each known as a "Data Subject") includes such information as listed in paragraph 2 above in relation to each Data Subject. 5. Our services are not directed to persons under 18 and we do not knowingly collect Personal Data from anyone under 18. If we become aware that a child under 18 has provided us with Personal Data, we will delete that information as quickly as possible. If you are the parent or guardian of a child and you believe they have provided us with Personal Data without your consent, then please contact us immediately. ## Collection, use and disclosure of personal data 1. Customer Personal Data will be collected and used by the Finmo for any one or more of the following purposes: 01. to assess and evaluate your eligibility for registering an account with Finmo; 02. to manage the relationship between you and Finmo; 03. to enable Finmo to perform its obligations under or in connection with the provision of services and/or products to you; 04. to maintain legal and regulatory compliance in the jurisdictions in which Finmo operates; 05. to enforce the terms and conditions of any agreement between you and Finmo (including this Policy); 06. to enable Finmo to improve its services and/or products and marketing and customer relationships; 07. to send you updates on the services and/or products of Finmo, benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo; 08. where required under any applicable laws; 09. where required under any order of court from a court of competent jurisdiction; 10. for such purposes to which you have given your consent in writing (collectively the "Purposes") 2. Using your personal information for direct marketing. From time to time, and in support of our future development of our services, we may use your personal information to contact you to promote and market our Services, including benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo. You can opt-out from being contacted for direct marketing purposes by contacting us or by using the unsubscribe facility included in each direct marketing communication we send. Once we receive a request to opt out from receiving marketing information, we will stop sending such information within a reasonable amount of time. 3. Unless otherwise permitted or required under the PDPA or any other applicable laws, Finmo generally collects Customer Personal Data in the course of or in connection with the registration of an account and/or sub-account(s) with Finmo and only after you have: 1. been notified of the Purposes; and 2. provided Finmo with your written consent to the collection, use and disclosure of Customer Personal Data for the Purposes. 4. You acknowledge and agree that any Customer Personal Data provided to us (whether electronically or otherwise): 1. is done knowingly and voluntarily by you; 2. is complete, true and accurate in all respects; and 3. does not omit anything that affects or is likely to affect the meaning or significance of such personal data in any respect. 5. In order to ensure that Customer Personal Data is complete, true and accurate in all respects, you acknowledge and agree that it is your sole responsibility to update Finmo within reasonable time if there are any changes to such Customer Personal Data by informing the data protection officer of the Finmo in writing or via email at the contact details provided below in this Policy. 6. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the disclosure such personal data relating to them to Finmo and for Finmo to collect, use and disclose such personal data for the Purposes. 7. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 5 above. 8. You agree that Finmo may disclose Customer Personal Data to: 1. any governmental agency or regulatory authority of any jurisdiction properly exercising its powers; 2. professional advisers of the Finmo; 3. parties providing services and/or products to Finmo (including information technology services, know-your-client and anti-money laundering compliance services providers); 4. relevant group of companies around the world related to Finmo; 5. entities that Finmo is in discussions with for a merger or an acquisition of the Finmo by such other entities; 6. entities that acquire the assets of Finmo pursuant to any applicable law; 7. entities pursuant to any order of court from a court of competent jurisdiction 9. You acknowledge and agree that Finmo may continue to use and disclose Customer Personal Data for a reasonable period following the termination of the relationship between you and the Finmo for any one or more of the following purposes a. to allow Finmo to fulfill its outstanding obligations to you under any agreement between you and Finmo, if any; b. to allow Finmo to enforce its rights under any agreement between you and Finmo, if any; c. For such purposes to which you have given your consent in writing; d. where required under any applicable laws; e. where required under any order of court from a court of competent jurisdiction. ## Cookies 1. A cookie is a small file placed in your web browser that collects information about your web browsing behavior. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any Personal Data (e.g. name, address, email address or telephone number). Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. This may, however, prevent you from taking full advantage of our website. 2. Our website uses cookies to analyze website traffic, provide social media sharing and liking functionality and help us provide a better website visitor experience. In addition, cookies and pixels may be used to serve relevant ads to website visitors through third party services such as Google Adwords and Facebook Adverts. These ads may appear on this website or other websites you visit. ## Information from Third-Party Sources 1. From time to time, Finmo may obtain information about you and/or your Data Subject(s) from third-party sources as required or permitted by applicable laws, including from: 1. public databases; 2. credit bureaus; 3. ID verification partners; and 4. social media platforms. 2. ID verification partners may use a combination of government records and publicly available information about you to verify your identity, including the following information relating to you: 1. name; 2. address; 3. employment information; 4. public employment profile (where applicable); 5. credit history; and 6. status on sanctions lists maintained by public authorities (where applicable) 3. Finmo obtains such information from third-party sources to comply with its legal obligations, including applicable anti-money laundering laws and to ensure that the services and/or products of Finmo are not used fraudulently or for other illicit activities. ## Retention of Customer Personal Data 1. Subject to any applicable laws, Finmo may retain Customer Personal Data for as long as it is necessary to fulfill the Purposes or in accordance with paragraph 8 under “Collection, Use and Disclosure of Personal Data” section above (as the case may be). 2. Finmo shall cease to retain Customer Personal Data or otherwise remove the means by which such Customer Personal Data can be associated with Data Subjects as soon as, in the opinion of Finmo, it is reasonable to assume that such retention no longer services the purposes for which the Customer Personal Data was collected and is no longer necessary for the Purposes. ## Protection of Customer Personal Data 1. To safeguard Customer Personal Data from unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks, Finmo has introduced appropriate administrative, physical, and technical measures (including up-to-date antivirus protection, encryption, and use of privacy filters) to secure all storage and transmission of Customer Personal Data by Finmo. 2. Any disclosure of Customer Personal Data (whether internally or otherwise) will only be carried out on a need-to-know basis. 3. You acknowledge and agree that no method of transmission over the internet or method of electronic storage is completely secure and Finmo makes no representation and/or warranty (whether express or implied) that there will be no unauthorized: 1. access to the Customer Personal Data; 2. copying of the Customer Personal Data; and/or 3. disposal of the Customer Personal Data. 4. You agree that, save for any willful default or fraud on the part of Finmo or its directors, officers, employees, representatives, and/or agents (each a "Relevant Person"), no Relevant Person shall be liable to you for any losses, liabilities, damages, costs and/or expenses (including any direct, indirect, incidental, special, consequential, or punitive damages or economic loss or any claims for loss of profits or loss of use) arising from or in connection with this Policy. ## Access and Correction of Customer Personal Data 1. You may make any one or more of the following requests in writing or via email to our data protection officer at the contact details provided below: 1. An access request for access to a copy of the Customer Personal Data or information on the ways in which we use or disclose the Customer Personal Data; 2. Please note that depending on the request that is being made, Finmo may only need to provide you with access to the Customer Personal Data contained in the documents requested, and not to the entire documents themselves, in which case it may be appropriate for Finmo to instead provide you with a confirmation of the Customer Personal Data that our organization has on record if the record of the Customer Personal Data forms a negligible part of the document. 3. Where Finmo is unable to comply with any request under paragraph 1 and 2 of the section above, Finmo shall inform you of the reason(s) for being unable to do so. ## Links to other websites This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website. ## Transfer of customer personal data outside of Singapore 1. In the event that Finmo and/or its services providers store, transfer, or otherwise process Customer Personal Data outside of Singapore, Finmo shall take steps to ensure that the Customer Personal Data continues to receive a standard of protection that is at least comparable to that provided under the PDPA. 2. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the transfer of personal data relating to such individual outside of Singapore. 3. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 2 of the section above. 4. Finmo does not transfer EU personal data as we do not process or handle any EU-sourced personal data. ## Consent and withdrawal of consent 1. In providing any Customer Personal Data, you acknowledge and agree that you have read, understood and agreed to this Policy and consent to the use, disclosure, and/or processing of the Customer Personal Data for the Purposes ("Consent"). 2. Your Consent shall remain valid until such time as withdrawn by you in writing or subjected to the relevant paragraphs located under the section on“Retention of Customer Personal Data” above, following the termination of the relationship between you and Finmo. 3. You may withdraw your Consent (whether in part or in whole) at any time in writing or via email to the data protection officer of Finmo at the details below ("Withdrawal Request"). **Please note that withdrawing your consent will only stop processing that is based on consent. Where we are legally required to keep and use certain personal data — for example to meet payment services, AML/CFT, regulatory, or audit requirements — we will continue to retain and process that data for those purposes and for the legally required retention period.** 4. Upon receipt of a Withdrawal Request, Finmo will inform you of the likely consequences of withdrawing your Consent (whether in part or in whole) and Finmo will cease collecting, using, or disclosing Customer Personal Data save in accordance with this Policy. ## Data subject rights As a user, you have the following rights regarding your personal data: 1. Right to access – You have the right to request a copy of your personal data held by Our Company. 2. Right to modify – You have the right to request corrections to any inaccurate or incomplete data. 3. Right to erase – You may request the deletion of your personal data under certain conditions. 4. Right to restrict – You can request the restriction of processing your personal data in certain situations. 5. Right to object – You have the right to object to the processing of your personal data under specific circumstances. 6. Right to withdraw consent – You have the right to withdraw your consent for processing your data at any time. 7. Right to know – You have the right to be informed about how your personal data is being used. ## Data breach communication 1. In the event of a data breach involving your personal information, we follow a strict protocol to promptly investigate, contain, and address the incident. We will assess the nature and scope of the breach and take necessary corrective actions. 2. Any detected data breach will be reported to relevant authorities and affected individuals within 72 hours of its identification, in compliance with applicable data protection regulations. 3. For any concerns or to report a suspected data breach, please contact our Data Protection Officer as outlined in the “Data Protection Officer” section of this policy ## Data protection officer Finmo has appointed a Data Protection Officer (“DPO”) to oversee compliance with applicable data protection and privacy laws and to act as a central point of accountability for data protection matters. **Contact Information:** - Data Protection Officer: info@finmo.net **Roles and Responsibilities:** - Advising Finmo on its obligations under applicable data protection and privacy regulations and monitoring ongoing compliance. - Overseeing the establishment, implementation, and maintenance of data protection policies, standards, and internal controls. - Providing guidance on data protection risk management, including reviewing data processing activities and supporting privacy impact assessments where required. - Acting as the primary point of contact for individuals regarding the exercise of their data protection rights and privacy-related enquiries. - Liaising with supervisory and regulatory authorities on matters relating to data protection and privacy compliance. - Supporting the management and assessment of personal data breaches, including coordination of investigations, mitigation actions, and regulatory notifications. - Promoting data protection awareness across Finmo through internal guidance, training initiatives, and best practice recommendations. ## Changes to policy 1. This Policy applies in conjunction with any other notices, contractual clauses, and consent clauses that apply in relation to the collection, use, and disclosure of Customer Personal Data by Finmo. 2. Finmo may revise this Policy from time to time without any prior notice and you acknowledge and agree that it is your sole responsibility to keep up to date with any revisions to this Policy. 3. Your continued use of any service and/or product provided by Finmo shall constitute your acknowledgement and acceptance of any revisions to this Policy. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/privacy-policy#) Reject AllAccept All ## Cash Visibility Dashboard Cash visibility # A Clear View of Cash Make more confident cash flow decisions with up-to-the-minute visibility into your cash positions, forecasts, and liquidity.All without manual reconciliations. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb9c1efcf8417f9936634fd4979f83f72927e564d-1200x1350.webp&w=3840&q=100) 360° realtime visibility ## Do your morning review in moments Complete cash management at-a-glance. Effectively track and forecast cashflow in one cash visibility dashboard. Balances Check your available cash balance for the current day in your base currency, or consolidated opening and closing balances. Accounts Access account specific transaction histories or see a consolidated view across all accounts after syncing your bank accounts. Currencies Get complete multi-currency cash visibility. Check balances in each account's native currency, plus an aggregated total in your chosen currency. Payables Review all your scheduled payouts that have been completed and line up bills to be cleared. Receivables Easily track invoices that are awaiting payment and set reminders for ones that are late. Transactions Cash management made easy. Access and review all transactions to check for any anomalies, or download them for further analysis. ## Turn blind spots into strong points Single currency view See cash in one currency Convert global balances into your base currency using live exchange rates, to give you clear visibility of your total cash position. ![](https://cdn.sanity.io/images/3m8qrzh6/production/afb305035a3ddfad03299424b4a859803558db65-547x310.svg) See receivables and payables in one Spot missed or late payments Improve cash management by overlaying your receivables and payables on your cashflow timeline. See what’s due, what’s delayed, and what’s coming up. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1ca9300622389e7046557f923b899aede79fe92e-1094x620.webp&w=3840&q=100) Historical cashflow Learn from the past Filter your cash flow data by a specific date range or switch to a monthly or quarterly view to visualise trends over time. ![](https://cdn.sanity.io/images/3m8qrzh6/production/47053412d26da706028c207926710127c41b5b95-1094x620.svg) Shared access Take your team with you Get everyone on the same page with a single source of truth for the whole team. Assign access levels and permissions by role to ensure appropriate cash visibility – without compromising security. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe7ef58647f062a7e946919b5ad42c14c863feabf-1094x620.webp&w=3840&q=100) ## Make payments smarter Collect in 40+ currencies and pay-out in 200+ countries – with instant FX. [Payments](https://www.finmo.net/product/payments) ## Try Finmo’s Cash Visibility Dashboard Today Sign up to explore our cash visibility tool for yourself. Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions about our cash visibility What is cash visibility and why do businesses need it? Cash visibility is the ability to see a real-time, consolidated view of your company’s cash balances across all bank accounts, entities, and currencies. Businesses need cash visibility to make informed decisions on payments, forecasting, liquidity planning, and risk management without relying on delayed reports or manual spreadsheets. How does Finmo provide real-time cash visibility? Finmo provides real-time cash visibility by securely connecting to your bank accounts. Once connected, Finmo automatically fetches and aggregates balance and transaction data directly from those banks, giving CFOs and finance teams an up-to-date view of available cash across the business at all times. Does Finmo support multi-bank, multi-entity, and multi-currency cash visibility? Yes. Finmo aggregates cash balances across multiple banks, legal entities, and currencies into a single consolidated view, while also allowing finance teams to drill down into specific accounts, entities, or currencies as needed. How does cash visibility help with forecasting, payables, and receivables? Real-time cash visibility provides the foundation for accurate cash flow forecasting and better cash management. By knowing exactly how much cash is available and where it sits, finance teams can plan payments confidently, anticipate shortfalls, manage collections more proactively, and make better liquidity decisions. How secure is Finmo, given CFOs need to connect their bank accounts? Security is central to Finmo’s platform. Bank connections are established using secure, encrypted channels and Finmo does not store bank credentials. Access controls, permissions, and industry-standard security practices ensure that sensitive financial data is protected while giving finance teams the visibility they need. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/cash-visibility#) Reject AllAccept All ## Local & Cross-Border Payments Local & cross-border payments # Grow globally, pay locally Make faster, more cost-effective cross-border payments and global mass payouts across 80+ currencies into 200+ countries in near real-time, with instant FX. All via a single connection to Finmo’s global payment network. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd38fdfd950970b29ee4d0ba9e01c7b675c6c5757-1200x1350.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/8da029d8349839db18bbfeded9866542e643104c-547x656.svg) Single API integration ## Scale global cross-border payments with single integration Launch cross-border payment solutions across multiple markets with a single API. Finmo enables global cross-border payments, mass payouts and multi-currency business payments through one secure integration; reducing operational complexity and accelerating expansion. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f8b59e08e28aa065c5ea8de0911af7362fa6446-1094x1312.webp&w=3840&q=100) Global payment network ## Act global, pay local Send global cross-border payments using local payment methods in 180+ countries. Pay employees, contractors or suppliers in their preferred currency while maintaining full visibility into FX, fees and settlement, enabling efficient multi-currency business payments at scale. ![](https://cdn.sanity.io/images/3m8qrzh6/production/00be1513b6d485c5b07bbe6df7195bee2c4eab31-547x656.svg) Virtual accounts ## Local banking, without the bank Open virtual accounts with local bank details to collect and disburse multi-currency business payments globally. Simplify cross-border payments, reduce reliance on traditional banks and centralise global cash flows within Finmo’s secure payment infrastructure. ![](https://cdn.sanity.io/images/3m8qrzh6/production/70b993d4afeb8c2c35b74292252e7a1d3721a10a-547x656.svg) Local payment methods ## Optimised for every market Don’t just pay in the right currency, pay in the right way. Support region-specific local payment methods across key markets while managing global cross-border payments from one platform. Send business payments directly to wallets or bank accounts ensuring faster settlement and higher success rates. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4fccc8663695b388fa2f1254c8451e94a0064f3f-1094x1312.webp&w=3840&q=100) Traceable transactions ## Track every business payment Monitor global cross-border payments and mass payouts in real time from your Finmo dashboard. Access transaction-level visibility, automated updates and full audit trails, giving finance teams control over every business payment sent. Global account verification ## End payment errors. Prevent fraud Reduce failed cross-border payments and authorised push payment (APP) fraud with real-time account verification. Instantly verify account ownership across regions to reduce fraud and payment errors. With Confirmation of Payee in Australia, and Verification of Payee in the UK and Europe, Finmo ensures every transaction reaches the intended recipient. [Confirmation of payee](https://www.finmo.net/product/payments/local-and-cross-border-payments/confirmation-of-payee) Real-time account verification Finmo instantly verifies account ownership by cross-checking submitted details against global banking networks to give you complete confidence before any money moves. Intelligent payee name-matching Detect discrepancies in beneficiary details with smart name-matching logic. Catch small errors before funds move and stay compliant with regional Confirmation of Payee requirements. Frictionless, compliant verification Protect global cross-border payments without adding complexity for payees. Verification happens seamlessly in the background, preserving payment speed while strengthening fraud prevention controls. [Explore Confirmation of Payee](https://www.finmo.net/confirmation-of-payee) ![](https://cdn.sanity.io/images/3m8qrzh6/production/5c3d0348fad5ee548f62fa71ec50aab40b7887b5-547x656.svg) Real time risk engine ## Built in compliance Finmo’s real-time risk and compliance engine supports secure global cross-border payments at scale. Our cross-border payment solutions help finance teams manage payment compliance, mitigate fraud risk and screen mass payouts against global sanctions lists, ensuring every transaction meets regulatory requirements before funds move. ## Power your global cross‑border payments Launch secure cross-border payment solutions, manage mass payouts and scale multi-currency business payments from one connected platform. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea&__hstc=13127592.1afaa9afb9907e39aa624792feab9168.1770870535482.1772097382530.1772507781574.9&__hssc=13127592.11.1772507781574&__hsfp=690ea981d774df429b9918e7451e2da4) FAQs Frequently asked questions How does finmo offer cross-border payments? Finmo’s cross-border payment platform is a global business payments infrastructure that enables companies to send, receive and manage cross-border payments, mass payouts and multi-currency business payments from a single platform. Unlike traditional banks that rely primarily on correspondent networks, Finmo combines direct local payment rails in 38+ markets with global SWIFT connectivity. This allows businesses to execute global cross-border payments to 180+ countries with optimised routing, transparent FX and real-time visibility. Through a single API and dashboard, finance teams can access available local payment methods by corridor and centralise international money movement without fragmented banking relationships. How does Finmo support global mass payouts? Finmo supports high-volume multi-currency business payments through a combination of robust API architecture and structured global customer profiles. Structured Profiles for Scale: Assigning unique Customer\_IDs allows you to manage recurring transactions and batch payments without re-entering sensitive data. Fund Segregation: You can link customer profiles to specific Virtual Accounts and wallets, ensuring funds are segregated, and operations remain organized even at scale. Automated Ledgering: Our payment service uses specific transaction types like RESERVE and RELEASE to block funds during processing, ensuring that mass payouts never overdraw your operational accounts. Which local payment methods and currencies are available? Finmo supports local payment methods in 38 markets and cross-border payouts to 180+ countries across 40+ currencies, enabling both domestic and international business payments. For domestic payouts, Finmo connects directly to local rails including: Australia: NPP and Direct Entry Singapore: FAST and PayNow Europe: SEPA Credit Transfer Philippines: Local bank transfers and supported e-wallets These direct integrations allow businesses to bypass costly correspondent banking routes for faster settlement and lower fees. For broader global cross-border payments, Finmo also supports international payouts via SWIFT and ACH networks, ensuring coverage across major and emerging markets. How does Finmo handle risk and compliance for international business payments? Finmo embeds risk management and compliance directly into its cross-border payment infrastructure, ensuring every international business payment meets local regulatory requirements before funds are released. Finmo is [regulated in 7 markets](https://www.finmo.net/about/license-and-registrations), and client funds are safeguarded in accordance with applicable regulatory requirements. Funds are held separately with trusted financial institution partners and are never used for operational purposes. In addition, Finmo’s real-time risk engine screens cross-border payments against global sanctions and watchlists, while corridor-specific reporting requirements are enforced programmatically. This reduces manual compliance burden and helps finance teams maintain governance across multi-currency payment flows. By combining regulatory oversight, automated screening and safeguarded funds, Finmo provides secure and compliant cross-border payment solutions for global businesses. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/payments/local-and-cross-border-payments#) Reject AllAccept All ## Finance for Agencies ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for marketing and affiliate agencies # Manage creators, freelancers, and platforms in one place Execute multi-currency payouts to creators and vendors worldwide while maintaining real-time visibility into cash flow and margins. Collect in 30+ currencies. Payout to 180+ countries. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff85cda109cd922f362dc8dad1c333cb564b2c68a-5356x2680.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fda729f8f415d0b0d47b0271bd990cab157c43a9d-1641x1968.webp&w=3840&q=100) Effortless payouts ## Protect campaign margins at scale Campaign payments move fast. Your financial visibility should keep up. Agencies managing global creators and platforms often face fragmented financial operations: • Payouts across multiple currencies • Creator and vendor payments across regions • Limited visibility into campaign cash flow Without clear financial insight, campaign margins can disappear through FX exposure, timing gaps, and manual payment workflows. Finmo gives agencies full visibility into campaign cash flow while simplifying global payouts. How modern agencies manage their finances ## Full visibility. Full control. Get a single view of cash flow, track currency exposure across retainers, and execute multi-currency payouts with one platform. Connect your accounts Link your bank accounts and payment platforms to get a single view of your agency's cash flow. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F692f4c20519128f530db01bc3e0ccb614d669062-2188x1188.png&w=3840&q=100) See your currency risk Track currency exposure across client retainers, international creator payouts, and platform spend. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fad3d48bce092c91bbeb8140138e7924a5a47c368-2188x1291.png&w=3840&q=100) Forecast your cash flow Model your future cash flow based on campaign cycles and affiliate payout schedules. Know where you stand, always. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F431ca272abd6b8c727e1faa089cc692adaf61a67-2188x1196.png&w=3840&q=100) Automate global payouts Execute multi-currency payouts to freelancers, creators, and platforms, from one central platform with full FX visibility. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fff00bbda08275a89c853af1dfca57d7ed9c12674-2188x1452.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by the world's fastest-growing agencies ## What businesses are saying about Finmo The fastest-growing agencies rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Security & compliance ## Enterprise-grade infrastructure for agencies As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates your dashboard. No manual reconciliation. No gap between what moved and what your numbers show Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Pay with ease. Grow without risk. [Get started for free](https://dashboard.finmo.net/signup) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/marketing-and-affiliate-agencies#) Reject AllAccept All ## Finmo in Hong Kong # Your trusted remittance & FX partner in Hong Kong Finmo Hong Kong Limited provides licensed money service operations, including local HKD transfers, cross-border remittance, and competitive FX services. We enable secure,transparent and compliant money movement for businesses and individuals. [Start now](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fedb0c7ae3859890e09b999c0c67db1cfe56d56bc-2000x1140.webp&w=3840&q=100) ## Our products Finmo runs on real time payment rails, powering instant money transfers, optimized liquidity management, effective financial risk mitigation and seamless compliance with financial regulations, all in one place. In Hong Kong, our focus is on delivering essential services - payin, payout, currency exchange, and the remittance services to our clients - with the same speed, transparency, and efficiency that power our global platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa9a11c73c8c59115f963a562667028af350199df-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) ## Local & Cross-Border payments A new, better way to accept payments locally and to pay globally. Empowering businesses to transact with only the most relevant methods that optimize for speed, convenience, and cost. [Learn more](https://www.finmo.net/hk/local-and-cross-border-payments) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa9a11c73c8c59115f963a562667028af350199df-1094x1312.webp&w=3840&q=100) ## FX conversion Exchange money with ease. We support HKD and major currencies, giving you transparent rates and secure transfers for both local and international transactions. [Learn more](https://www.finmo.net/hk/fx-conversion) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World class security ## Safe in our hands Your transactions are processed through leading global financial institutions, ensuring funds are handled securely and in line with the regulations of each jurisdiction where Finmo operates. [Licenses and Registration](https://www.finmo.net/about/license-and-registrations) Team ## Our expert team Our executive team has over 100 years combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb41b46c245be4d5ca409a545d63a1233954bef-632x768.webp&w=3840&q=100) David HannaChief Executive Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffa65114acc049ad3e0b685aaf33de2e32101d32e-632x768.webp&w=3840&q=100) Richard OhChief Strategy Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc85d2bb936252c4608d9faa67738cc0c1268b9dc-1264x1536.webp&w=3840&q=100) Akhil NigamChief Product Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F733c8c8a4e71ab40840263dfa0c7d2d600154220-632x768.webp&w=3840&q=100) Raj Vimal ChopraChief Technology Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f499d7e51cbcb85b26faa981684878729c92f04-632x768.webp&w=3840&q=100) Thomas KangChief Revenue Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b16b408c9f11b8c23b089dcc6bcfe3f3c3d8e4e-632x768.webp&w=3840&q=100) Jonathan LewChief Financial Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4319f20c73a038b2e4ada6a21f110ff86a85ee9a-632x768.webp&w=3840&q=100) Anthony YeohChief Compliance Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Febab0970f9c822bc943141df866403ec2456a1e4-1264x1536.webp&w=3840&q=100) Mansi ChopraChief Marketing Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f5d4403adfbf41335fb3886a705e1d35f441b77-1264x1536.webp&w=3840&q=100) Holly FangChief Bussiness Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9c24cb1b02df8ff258e64f004e36cfcf519a487e-632x768.webp&w=3840&q=100) Joana Mikaela LiewChief Human Resources Officer Our investors ## Backed by the best - ![Quona](https://cdn.sanity.io/images/3m8qrzh6/production/1743cad2b98f96692708c1ab5a7d97af777c8546-134x131.svg) ![Paypal Ventures](https://cdn.sanity.io/images/3m8qrzh6/production/1753aef959683cce4c625d64315147bebf19a310-201x131.svg) ![citi ventures](https://cdn.sanity.io/images/3m8qrzh6/production/e5b6a7d537b20211184847de48ee282bba4bf56e-191x131.svg) ![Insignia Ventures Partners](https://cdn.sanity.io/images/3m8qrzh6/production/b21e6d900e0b2f629d574c97aacdc314ecae04f3-148x131.svg) ![Soma Capital](https://cdn.sanity.io/images/3m8qrzh6/production/6e910f84cd1b2f2a1d401375fdf3333716101f6a-130x131.svg) ![GFC](https://cdn.sanity.io/images/3m8qrzh6/production/28aa9a2fd903df29ff7254809b7aeb39fcc1006e-94x131.svg) Streamlined onboarding ## Get started fast Sign up and start exploring our dashboard today.
Or book a demo to talk things through with our team. Our slick 4-step onboarding and KYB process will get you up-and-running securely and removes unnecessary process and paperwork. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Control Your FX Costs For importers & exporters # Know what FX is costing you before you pay Your bank won't show you how much you're losing on every supplier payment. Connect your accounts, see exactly what FX is costing you, and act before your margin leaks. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F53ecb62f1c152df40a9cf00b093885e879ee91ac-2640x2751.webp&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Gain full financial control with one platform ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbf7471cf119df2a62cf1d4015a7918987529767a-5360x3020.webp&w=3840&q=100) Manage FX risk ## See your FX exposure & protect your margins Connect all your business bank accounts and map every outgoing payment to its currency exposure. See what you owe, when it's due, and what FX is costing you in real time. Multi-bank visibility DBS, HSBC, OCBC, ANZ, and all major banks in one view, updated in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e67895ddaee3cdc1dc621d447384ab0966baca6-2188x1180.png&w=3840&q=100) 13-week cash forecast Rolling forecast of inflows and outflows by currency, tied to your actual bank data – not spreadsheet guesswork. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7481520f6d924969dc326a2b2fa50832f960993f-2188x1180.webp&w=3840&q=100) FX exposure by supplier See which invoices carry currency risk and how rates have moved since they were issued. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fedfb9701191d9da1e12929bed6fb590bfed9aac7-2491x1952.webp&w=3840&q=100) Pay suppliers in 180+ countries Get the most competitive FX rates via institutional liquidity with no hidden bank spreads. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F78e7220cccc071bd098e967e73a57b88613d75bb-2188x1484.webp&w=3840&q=100) Xero sync Payments flow straight into your books, with no need for manual reconciliation, ever. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F308368801c092af61181168db114cd7af0c2a32e-2259x1114.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Full control of global trade finance ## Control every stage of global trade finance Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your exposure Map your open payables to currencies and see your total FX exposure in real time – by supplier, currency, and due date. Forecast your cash Perform a rolling 13-week forecast built from your real-time bank data so you can see what you need, when, and in which currency. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Pay when you're ready Execute supplier payments at competitive rates from the same platform.
Straight into your accounting software [Take control now](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Enterprise-grade security & compliance ## Trusted by global importers & exporters Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo Companies trading globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ## See what FX is really costing you Connect your financial ecosystem in minutes, for free. No KYB required. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/import-export-draft#) Reject AllAccept All ## Cross-Border Payments ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). For global trading companies # Stop FX from taking your margins Every time you pay a supplier overseas, your bank takes a spread it doesn't show you. Finmo shows you exactly what FX costs on every payment, and lets you pay to 180+ countries at institutional rates, with no hidden margins. [See your FX costs free](https://dashboard.finmo.net/signup) [Speak to our team](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd748618044c5e99eee6bb19fb5053496a43df114-1641x1968.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) One platform for cross-border commerce ## Everything your bank should have built but didn’t From seeing what FX costs you to paying suppliers at better rates, Finmo gives you full control over every dollar that crosses a border. FX Cost visibility See what every cross-border payment is costing you Connect your accounts and see every outstanding supplier payment mapped to its currency, rate, and real cost. Know what FX costs before the money moves, not after. \- Every open payable by currency and due date in one view \- See how rates have moved since each invoice was issued \- Know the real cost before you confirm, not after Better rates & multi-currency Pay suppliers at rates your bank wished they could offer Institutional FX rates on every cross-border payment, to 180+ countries, from one account. Collect from buyers in 30+ currencies without forced conversion. Convert when the rate works for you. \- Pay suppliers in 180+countries from one platform \- Collect in 30+ currencies, hold without forced conversion \- Convert on your terms, not your bank's schedule Cash visibility Stop managing cash from a spreadsheet All your bank accounts, currencies, and entities in one real-time dashboard. See what's going out, in which currency, and when, so you're never caught short before a major payment. \- All your banks in one view, updated in real time \- Rolling 13-week forecast built from actual bank data \- Syncs with your accounting software, no manual reconciliation How it works ## Get full visibility over your FX costs Connect your banks, see your exposure, and start paying with better rates Connect your banks Link your DBS, HSBC, ANZ and all major banks. Read-only access; your funds never move without your explicit approval. See your exposure Every open payable mapped by currency, supplier, and due date. See what FX is costing you right now, in real time. Pay at better rates Execute supplier payments at institutional FX rates from the same platform. Straight into your accounting software. [Get started for free](https://dashboard.finmo.net/signup) Trusted by global businesses ## Protect your margins like these businesses > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Built for global commerce ## Security and compliance your business can rely on Finmo is a fully licensed financial platform built to the same regulatory standards as the institutions it connects to, so you can move money globally with confidence, not crossed fingers. Read-only bank connections: We connect to your banks to read and display your data. Your funds never move without your explicit approval. Licensed across 8 jurisdictions: Regulated in Singapore, Australia, New Zealand, Canada, the US, the UK, Dubai and Hong Kong. ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## Protect your margins today Connect your financial ecosystem in minutes, for free. No KYB required. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/import-export#) Reject AllAccept All ## Modern Treasury Management # Treasury management for modern finance teams Finmo is a treasury management and payment platform for modern finance teams. Integrate complete financial and bank data, move money globally, optimise liquidity, and manage FX risk – all in one smart platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5d3b6093753ffb161a133920d2ea67a73f6ffcfd-2688x1316.webp&w=3840&q=100) Why Finmo? ## Future‑facing finance Faced with the challenge of multiple geographies, currencies, entities and compliance requirements, the demands on today’s CFO have never been greater. With change the only constant, and complexity increasing, CFOs need to move from spreadsheet-based financial stewardship, to future-facing strategic leadership. But with finance teams held back by slow, disparate data, and multiple disconnected softwares, getting the future-facing visibility to do this isn’t easy. At Finmo we provide agile treasury management that meets the needs of the modern CFO – without the expense and complexity of traditional enterprise solutions. A single platform that gives CFOs connected, future-facing intelligence, using data from across their business: The foresight to know their next move. And the confidence and control to act on it. [Watch the video](https://youtu.be/UW_kbYhvG0g) > “Finance leadership today is about foresight. At Finmo, we empower CFOs to look beyond the numbers: to anticipate change, uncover opportunity, and scale their vision across markets with clarity and control” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1ef2a20218ef156c7ba4f977b77b5a048ee8e694-150x150.jpg&w=3840&q=100) David Hanna CEO and Co-founder, Finmo Team ## Our expert team Our executive team has over 100 years combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb41b46c245be4d5ca409a545d63a1233954bef-632x768.webp&w=3840&q=100) David HannaChief Executive Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffa65114acc049ad3e0b685aaf33de2e32101d32e-632x768.webp&w=3840&q=100) Richard OhChief Strategy Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc85d2bb936252c4608d9faa67738cc0c1268b9dc-1264x1536.webp&w=3840&q=100) Akhil NigamChief Product Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F733c8c8a4e71ab40840263dfa0c7d2d600154220-632x768.webp&w=3840&q=100) Raj Vimal ChopraChief Technology Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f499d7e51cbcb85b26faa981684878729c92f04-632x768.webp&w=3840&q=100) Thomas KangChief Revenue Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b16b408c9f11b8c23b089dcc6bcfe3f3c3d8e4e-632x768.webp&w=3840&q=100) Jonathan LewChief Financial Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4319f20c73a038b2e4ada6a21f110ff86a85ee9a-632x768.webp&w=3840&q=100) Anthony YeohChief Compliance Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Febab0970f9c822bc943141df866403ec2456a1e4-1264x1536.webp&w=3840&q=100) Mansi ChopraChief Marketing Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f5d4403adfbf41335fb3886a705e1d35f441b77-1264x1536.webp&w=3840&q=100) Holly FangChief Business Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9c24cb1b02df8ff258e64f004e36cfcf519a487e-632x768.webp&w=3840&q=100) Joana Mikaela LiewChief Human Resources Officer ## Join Finmo Work with us to help shape the future of financial management for business. [Careers](https://www.finmo.net/hk/about/careers) Our Investors ## Backed by the best - ![Quona](https://cdn.sanity.io/images/3m8qrzh6/production/1743cad2b98f96692708c1ab5a7d97af777c8546-134x131.svg) ![Paypal Ventures](https://cdn.sanity.io/images/3m8qrzh6/production/1753aef959683cce4c625d64315147bebf19a310-201x131.svg) ![citi ventures](https://cdn.sanity.io/images/3m8qrzh6/production/e5b6a7d537b20211184847de48ee282bba4bf56e-191x131.svg) ![Insignia Ventures Partners](https://cdn.sanity.io/images/3m8qrzh6/production/b21e6d900e0b2f629d574c97aacdc314ecae04f3-148x131.svg) ![Soma Capital](https://cdn.sanity.io/images/3m8qrzh6/production/6e910f84cd1b2f2a1d401375fdf3333716101f6a-130x131.svg) ![GFC](https://cdn.sanity.io/images/3m8qrzh6/production/28aa9a2fd903df29ff7254809b7aeb39fcc1006e-94x131.svg) Finmo foresight [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa1337e0bfdc3c8adcb37053aa131202ec29b6bbc-3200x1800.webp&w=3840&q=100)\\ \\ - Compliance\\ \\ **Our compliance story: How finmo builds compliance into every transaction**\\ \\ Read more](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction) ## Contact us Please get in touch for more information about our product, to discuss partnerships, or to speak to our PR or marketing team. [Get in touch](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/about/about-us#) Reject AllAccept All ## Cash Flow Forecasting Cash forecasting # Take command of cash flow with automated forecasting Automate real-time cash flow projections across accounts and entities. Replace spreadsheets with a unified liquidity view and empower your leadership with data needed for smarter, faster decisions. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F18e9eed9793d4656e8ed3f39460ead19e1ed5d58-1200x1350.webp&w=3840&q=100) Consolidated Cash Flow ## Make data‑backed cash flow decisions Scale smoothly and make future calls with confidence on our cash forecasting software, featuring comprehensive up-to-the minute financial data across subsidiaries and entities. Customizable multi-entity cash flow views Define forecasting hierarchies by entity, subsidiary, currency, or account. Select exactly which wallets and bank accounts to include in your consolidated liquidity view. ![](https://cdn.sanity.io/images/3m8qrzh6/production/ae5e751f50532cf7298ef816d0e21de98b41bc41-547x310.svg) Granular cash flow projections by timeframe Forecast cash positions daily, weekly, monthly, or quarterly. Adjust scenarios to model best-case, worst-case, or custom liquidity assumptions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc6bb2cddef886bfd73282e47c0aa9d50b15eef69-1094x620.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb10f78372a8453aa50db8a67be46bf0f354e4b5b-1094x1312.webp&w=3840&q=100) Spreadsheet-free forecasting ## Excel, without Excel Stop struggling with spreadsheets. Finmo centralizes your financial data to give you a consolidated view of your cash flow in one place. Analyse your data with precision, create custom forecasts instantly, and free yourself from repetitive tasks for good. ![](https://cdn.sanity.io/images/3m8qrzh6/production/0c94d3e36ccfb55d1dbeb58e1324f8dc97275518-547x656.svg) Intelligent cash forecasting ## Financial foresight Maintain healthy cash flow. Proactively model, forecast and plan your future working capital position by dynamically analysing your historical payment patterns. Instantly spot potential surpluses or shortfalls with projection software and decisively optimize liquidity or mitigate FX risk. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4cfc79bb58535de340fb0f2498a78f3b2e27ead3-1094x1312.webp&w=3840&q=100) Scenario testing & switching ## Expect the unexpected Test what-if cases like delayed payments, unexpected expenses, or accelerated revenues, and instantly see their impact on your cash flow. Quickly toggle between multiple scenarios to compare outcomes side-by-side and make informed decisions faster. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0888504ca0537620e6a9d349d6d5e8244aa01191-1094x1312.webp&w=3840&q=100) Custom reporting ## Financial reporting, simplified. Generate presentation-ready cash flow reports using historical data, real-time forecasts, and scenario projections. Create custom liquidity and working capital reports to share with leadership, boards, and stakeholders ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8f4065a9983c09fad5b64d4b6a872ef1b7fee3fb-1094x1312.webp&w=3840&q=100) Audit-ready ## Keep every transaction at your fingertips Be audit-ready in an instant. All transactions are recorded in a single immutable ledger, to give you accurate and easily accessible financial records. ## Make payments smarter Collect in 40+ currencies and pay-out in 200+ countries – with instant FX. [Payments](https://www.finmo.net/product/payments) ## Try Finmo’s treasury dashboard today Sign up to explore our spreadsheet-free cash flow forecasting dashboard firsthand. Book a demo to talk to our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions How can I improve the accuracy of our cash flow forecast across entities? Improving cash forecast accuracy requires real-time visibility into bank balances, receivables, payables, and intercompany flows across all entities. Manual spreadsheet consolidation often leads to timing gaps and version-control errors. Finmo’s cash flow forecasting tool automatically consolidates transaction data and balances across subsidiaries, currencies, and accounts, enabling more accurate and continuously updated liquidity projections.​ How can we model different cash flow scenarios without rebuilding spreadsheets? Scenario planning typically involves duplicating spreadsheets and adjusting assumptions manually, which increases complexity and risk. Finmo allows finance teams to model best-case, worst-case, and custom liquidity scenarios within the forecasting tool itself, dynamically updating projections as live data changes. What should I look for in a modern cash flow forecasting tool? CFOs and finance leaders should prioritise: \- Real-time bank connectivity \- Multi-entity consolidation \- Scenario modelling \- Currency-level visibility \- Spreadsheet-free workflows Finmo combines [cash visibility](https://www.finmo.net/product/cash-visibility), forecasting, reporting, and [payments](https://www.finmo.net/product/payments) in one integrated TMS platform built for modern finance teams managing regional or global operations. How do I identify upcoming liquidity gaps before they become funding issues? Liquidity gaps often emerge from timing mismatches between receivables, payables, payroll, and cross-border obligations. Without forward-looking visibility across entities, these gaps are typically discovered too late, leading to short-term borrowing or inefficient capital allocation. Finmo’s cash flow forecasting tool surfaces projected shortfalls and surplus positions in real time across entities and currencies, enabling CFOs to proactively rebalance liquidity, optimise inter-company funding, and avoid unnecessary external financing. How do I align cash flow forecasting with working capital strategy? Cashflow Forecasting must be directly connected to transaction-level data to drive meaningful action. Finmo links real-time transaction data with forward-looking forecasts, enabling CFOs and finance leaders to optimise payment timing, manage collections, and make proactive funding decisions. You can also see future surpluses or shortfalls and plan funding, investments and FX hedging. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/cash-flow-forecasting#) Reject AllAccept All ## Startup Finance Simplified ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). For scaling startups # Always know what your money is up to One platform for real-time cash visibility, runway forecasting, and global payments, so every financial question has an answer before anyone has to ask. [Get started for free](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8997c6324711a56817d8488ebdc87e584bad6a4d-1644x1968.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) Startup finance made easy ## Built for busy startup founders and CFOs Finmo works for founders who are still doing it all, and for the finance lead who inherited the spreadsheets. For founders Know your numbers before investors ask See your real-time burn rate and runway forecast without opening a spreadsheet. Model scenarios before a hiring decision. Walk into every board meeting knowing your numbers cold. \- Know your runway, updated in real time \- Model scenarios before committing to a hire or expanding to a new market \- Export board-ready reports in minutes, not hours For finance leaders Lead with data, not reconciliation Connect every bank account, automate reconciliation, and close the month without the chaos. Finally be the finance function your startup needed from day one. \- All accounts, currencies, and entities in one dashboard \- Automated reconciliation synced with your accounting software \- Build board-ready reports without touching a formula One platform. Every financial function. ## Unify your financial ecosystem in one place Most startups run their finances across disconnected tools. Finmo replaces them with one connected platform that shows you exactly where your money is, where it's going, and how long it lasts, in real time, across every currency and entity. Connect your financial ecosystem Smash the silos Connect bank accounts, payment systems, accounting software, and ERPs for an always-on, automatically synced financial view, across every entity and currency. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff360b5142d4155d7c971ca048f4657627125d597-2188x1180.png&w=3840&q=100) Cash visibility See your global cash position instantly Get a consolidated view of balances, receivables, and transactions in one dashboard. Track cash in real time and forecast flow with complete clarity. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F097dd58a47a6ab4a7fe9b8035cd100c4f14d86a8-2188x1427.png&w=3840&q=100) Cash forecasting Plan 13 weeks ahead Generate rolling 13-week cash forecasts with scenario simulations. Model burn, revenue shifts, and FX impact before making critical decisions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3c7254c3ab66cae10feb811d0839e67063a08225-2204x1196.png&w=3840&q=100) Global payments, simplified Simplify global payments Collect in 30+ currencies, manage FX seamlessly, and pay out to 180+ countries from one unified platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1e6d530fc4df5774434af7156e81e27f6cf770ce-2184x1324.png&w=3840&q=100) Trusted by high-growth startups ## Hear from teams that stopped flying blind > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Regulated, certified, and built to last ## The security and compliance your startup needs Finmo is a fully licensed financial platform built to the same regulatory standards as the institutions it connects to, so you can move money globally with confidence, not crossed fingers. Read-only bank connections: We connect to your banks to read and display your data. Your funds never move without your explicit approval. Licensed across 8 jurisdictions: Regulated in Singapore, Australia, New Zealand, Canada, the US, the UK, Dubai and Hong Kong. ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## Get full visibility in minutes Connect your first bank in under 3 minutes and see your real-time cash position instantly. Free to start. No KYB required. [Get started free](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/startups#) Reject AllAccept All ## Finmo Terms of Service # Terms of Service Contents - [Finmo Terms & Conditions](https://www.finmo.net/terms-of-service#finmo-terms-conditions) - [1\. Introduction and Acceptance of Terms](https://www.finmo.net/terms-of-service#1-introduction-and-acceptance-of-terms) - [2\. Other Applicable Terms and Policies](https://www.finmo.net/terms-of-service#2-other-applicable-terms-and-policies) - [3\. Regulatory Disclosures - Licenses and Registrations](https://www.finmo.net/terms-of-service#3-regulatory-disclosures-licenses-and-registrations) - [4\. Access to the Website and Services](https://www.finmo.net/terms-of-service#4-access-to-the-website-and-services) - [5\. Website Content and Changes](https://www.finmo.net/terms-of-service#5-website-content-and-changes) - [6\. Privacy](https://www.finmo.net/terms-of-service#6-privacy) - [7\. Intellectual Property Rights](https://www.finmo.net/terms-of-service#7-intellectual-property-rights) - [8\. Security, Viruses and Misuse](https://www.finmo.net/terms-of-service#8-security-viruses-and-misuse) - [9\. Third Party Services, Partner Rails and Local Terms](https://www.finmo.net/terms-of-service#9-third-party-services-partner-rails-and-local-terms) - [10\. Acceptable Use Policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) - [11\. Transactions, Chargebacks & Disputes](https://www.finmo.net/terms-of-service#11-transactions-chargebacks-disputes) - [12\. Indemnification](https://www.finmo.net/terms-of-service#12-indemnification) - [13\. Limitation of Liability](https://www.finmo.net/terms-of-service#13-limitation-of-liability) - [14\. Changes to these Terms and Conditions](https://www.finmo.net/terms-of-service#14-changes-to-these-terms-and-conditions) - [15\. Complaints and Contact](https://www.finmo.net/terms-of-service#15-complaints-and-contact) - [16\. AML / CTF and Sanctions](https://www.finmo.net/terms-of-service#16-aml-ctf-and-sanctions) ## Finmo Terms & Conditions Please read these terms and conditions carefully before using the website. ## 1\. Introduction and Acceptance of Terms 1.1 These Terms & Conditions (T&C’s) govern access to and use of Finmo Tech Pte Ltd and its website [www.finmo.net](https://www.finmo.net/), including its affiliates’ websites (“Finmo”), dashboards, APIs, documentation and related services (the “Services”). 1.2 By accessing or using the Services , whether as a guest or a registered user you confirm that you accept and will comply with these T&C’s on behalf of the entity you represent ( “ Merchant “ or “ You”). Use of our website includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our website. By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our website. ## 2\. Other Applicable Terms and Policies 2.1 The following documents are incorporated into these T&C’s by reference and apply to your use of our website, dashboards, APIs and related services. We may update these documents from time to time as described in clause 2.3. - Finmo Privacy Policy - sets out how we collect, use, disclose and protect personal data at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy) - Prohibited Activities & Acceptable Use Policy - lists activities not permitted and those requiring pre-approval at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) - Complaints Handling Policy – how to lodge a complaint and our resolution process at [https://finmo.net/complaints](https://www.finmo.net/complaints) - Fee Schedule - (if applicable outside an MSA) – current fees and charges at [https://finmo.net/pricing](https://www.finmo.net/pricing) - Data Processing Addendum (DPA) – governs our processing of personal data as processor/service provider; includes Sub-processors List - Regulatory Status & Disclosures – current licences/registrations and jurisdictional at [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) - Third-Party/Partner Terms – certain features are provided by regulated partners or vendors and may be subject to their terms . By using those features, you also agree to the applicable partner terms. 2.2 By using our website and services, you acknowledge these incorporated documents and where relevant, you consent to the processing of personal data in accordance with the Privacy Policy and you warrant that information and all data provided by you is accurate and up to date. 2.3 We may update the documents listed in clause 2.1. Material adverse changes will take effect 30 days after posting (or sooner if required by law, security or risk). Non-material or beneficial updates may take effect immediately. Continued use after the effective date constitutes acceptance of the update. ## 3\. Regulatory Disclosures - Licenses and Registrations 3.1 [www.finmo.net](https://www.finmo.net/) is a website operated by Finmo Tech Pte Ltd (“we / Finmo”) and provides access to our dashboards, portals, APIs/SDKs, documentation, integrations, and payments/treasury operating platform. Finmo operates globally under a combination of group licences and regulated partners. For the most current registrations, licence scopes, jurisdictions, and disclosures, see Country Specific Regulatory Status & Disclosures: [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) 3.2 The following are the jurisdictions where we are currently licensed. Note this is subject to amendment and this will be updated from time to time. ### Singapore Finmo Tech Pte. Ltd. (Finmo) holds a Major Payment Institution (MPI) Licence issued by the Monetary Authority of Singapore (MAS), which allows Finmo to provide e-money issuance services, account issuance services, merchant acquisition, cross border and domestic money transfer services. (Licence number: PS20200640) In accordance with the applicable laws and regulations (including PSN08), Finmo is required to provide the following disclosures with regards to Safeguarding: - Notice for Non-Singapore Residents: Finmo Tech Pte. Ltd. is licensed by the Monetary Authority of Singapore to provide e-money issuance services. Please note that this does not mean you will be able to recover all the money you paid to Finmo Tech Pte. Ltd. if Finmo Tech Pte. Ltd.’s business fails.” Hours of Business Operations: Our working hours in Singapore are from 9am SGT to 6pm SGT (Mon to Friday) excluding Public Holidays. ### Australia Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds an Australian Financial Services Licence (AFSL number: 535371). Finmo Tech is also a registered independent remittance business (AUSTRAC registration no: IND100723324-001) and a registered Digital Currency Exchange provider (AUSTRAC registration no: DCE100723324-001). ### New Zealand Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds a Financial Service Provider License (FSP No: FSP1003815) ### United States of America (USA) Finmo LLC is registered as a Money Service Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury. (MSB Registration Number: 31000248116829) ### United Kingdom (UK) Finmo UK Group Limited is a regulated Electronic Money Institution with the Financial Conduct Authority (FCA) (Company Number: 12519275) ### Hong Kong Finmo HK Limited is a limited liability company incorporated in Hong Kong with business registration number 77265186 and is applying for a Money Service Operator Licence. ### United Arab Emirates (UAE) Finmo (DIFC) Limited is a registered entity with the Dubai International Financial Centre (DIFC) with registration number 11455. Finmo (DIFC) Ltd is applying to be an Authorised Firm under the DFSA (Dubai Financial Services Authority). ### Poland FINMO POLAND SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ a registered company (KRS Number: 0001119721) applying for a Payment Institution Licence in Poland. ### Philippines Finmo Tech Philippines Inc a registered company (Corporation Number: 2025070207561-39) applying for a Operator of a Payment System Licence in the Philippines. ### Canada Finmo Tech Canada is a registered payment service provider with the Bank of Canada. ## 4\. Access to the Website and Services 4.1 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. 4.2 We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. 4.3 You are responsible for ensuring that all persons who access the Services through your credentials are aware of these T&Cs and comply with them. 4.4 Keep your user IDs and passwords confidential; notify info@finmo.net immediately of any suspected compromise. We may suspend or disable credentials to protect you or the platform. 4.5 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at info@finmo.net. ## 5\. Website Content and Changes 5.1 The information contained in this website is for general information purposes only. We use reasonable efforts to keep the information published on our website up to date and correct, however we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. ## 6\. Privacy 6.1 Our objective is to collect, store and disclose personal data fairly , lawfully and securely. Any information you provide (including personal data) will be collected and processed by Finmo and by third parties engaged by Finmo to deliver, operate or support the Services in accordance with our Privacy Policy. 6.2 By using the Website or the Services, you acknowledge and agree that we may process your information for the purposes set out in the Privacy Policy (including providing the Services, operating our platform, complying with legal and regulatory obligations, fraud prevention and service improvement), and you warrant that all information you provide to us is accurate, complete and not misleading. ## 7\. Intellectual Property Rights 7.1 We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. 7.2 You may print or download extracts of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website. 7.3 You must not modify in any way the paper or digital copies of any materials you have printed off or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged. 7.4 You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors. 7.5 If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. ## 8\. Security, Viruses and Misuse 8.1 We do not guarantee that our website or any content on it will be secure or free from bugs, malware or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our website and should use your own virus protection software. 8.2 You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. 8.3 You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. 8.4 If you breach this clause, your right to use our website will cease immediately and we may take such actions as we consider appropriate, including reporting the breach to the relevant law enforcement or regulatory authorities and cooperating with those authorities by disclosing your identity to them. ## 9\. Third Party Services, Partner Rails and Local Terms ### 9.1 Partner rails and partner terms Some Services are provided by, through, or in connection with regulated partners or local service providers (each, a “Partner”). By enabling or using any feature, payment rail, payout method or jurisdiction that involves a Partner, you acknowledge and agree that: - the Partner’s terms, policies and agreements (the “Partner Terms”), as published or updated by the Partner from time to time, are incorporated by reference into these T&Cs; - you will comply with the Partner Terms in addition to these T&Cs; and - your access to those Partner enabled features is conditional on your ongoing compliance with the Partner Terms and on completing any onboarding , KYC/KYB, monitoring or other checks required by Finmo or the Partner. ### 9.2 Linking to our website - You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or imply endorsement. - You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. - You must not establish a link to our website in any website that is not owned by you. Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page. - We reserve the right to withdraw linking permission without notice. ### 9.3 Third-party sites, services and local terms Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources. **For merchants who wish to use our services in the United States, the terms and conditions of our local partner, Checkbook Inc., shall apply. By using such services, you will be deemed to have read, accepted and agreed to the terms and conditions mentioned here: [https://www.finmo.net/finmo-marketplace-agreement](https://www.finmo.net/finmo-marketplace-agreement)** ### 9.4 Cross-Entity Onboarding and Virtual Account Issuance - Cross-Entity Service Provision. The Merchant acknowledges and agrees that, where Finmo SG, Finmo AU, or Finmo NZ (each, a “Finmo Entity”) provides collection, payment, or Virtual Account Number services in support of another Finmo Entity’s clients, the Merchant shall be deemed to be concurrently onboarded with each relevant Finmo Entity for the sole purpose of enabling that Finmo Entity to perform the applicable regulated or operational activities. - Virtual Account Issuance. In such cases, the Merchant authorises the relevant Finmo Entity (Finmo SG, Finmo AU, or Finmo NZ, as applicable) to issue Virtual Account Numbers directly to the Merchant and to process corresponding collection and payout flows in accordance with the services requested by the Merchant. ## 10\. Acceptable Use Policy ### 10.1 General Use and Prohibited Activities 10.1.1 General Use By using the Website or any Finmo services, you agree to use them only for lawful, legitimate business purposes and in accordance with all laws and regulations applicable to you and to Finmo; - the licences and regulatory permissions under which Finmo operates ( [see Section 3 – Regulatory Disclosures](https://www.finmo.net/terms-of-service#3-regulatory-disclosures-licenses-and-registrations)); - applicable payment, banking, card network and scheme rules; and - these Terms & Conditions and any additional policies Finmo publishes from time to time. Any use of the platform outside these parameters constitutes a material breach of the terms and conditions. 10.1.2 Prohibited Activities - Fraud and Scam Prevention You expressly agree that you must not use the Services in any way that constitutes, facilitates or enables fraud, scams or illegal payment activity, including (without limitation): a. Fraudulent Transactions - Processing payments that you know or reasonably suspect to be fraudulent - Facilitating transactions where authorization was obtained through fraud, deception, or misrepresentation - Processing payments with forged, stolen, or unauthorized payment credentials - Engaging in any form of payment fraud, including card-not-present fraud, identity theft, or account takeover b. Scam Activities - Operating or facilitating advance fee scams, romance scams, or investment fraud schemes - Processing payments for pyramid schemes, Ponzi schemes, or other fraudulent investment opportunities - Facilitating phishing operations or social engineering attacks - Processing payments for fake goods, services, or non-existent products c. Unauthorized and Suspicious Activities - Processing transactions that were not originated from legitimate agreements between you and your customers - Continuing to process payments after becoming aware of suspicious or potentially fraudulent activity - Failing to implement reasonable fraud prevention measures in your business operations - Processing payments that violate anti-money laundering (AML) or know-your-customer (KYC) requirements 10.1.3 Prohibited and Restricted Lines of Business. You must not use the Services for activities listed in Finmo’s prohibited and restricted business list at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) which includes (non-exhaustively): hate/violence content; illegal drugs or drug paraphernalia; sale of government IDs; stolen goods (including digital/virtual goods); bribery or corruption; infringing IP; high-risk/likely-fraud products; weapons, firearms and ammunition; and activities that violate any law. **Prohibited and Restricted Lines of Business** - You MUST NOT use the Services for activities listed in the [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy), which include but are not limited to the following activities: Are inappropriate content, goods or services that promote, cause or further Hate/Violence/Racism/Religious persecution - Drug paraphernalia - Drugs / Illicit substances, steroids and certain controlled substances or other products that present a risk to consumer safety - Encourage, promote, facilitate or instruct others to engage in illegal activity - Infringe any duly registered copyrights/trademarks or other violation of intellectual property rights; - Involve the sale of products or services identified by government agencies to have a high likelihood of being fraudulent - Involve offering or receiving payments for the purpose of bribery or corruption - Pyramid or Ponzi schemes. - Relate to the sale of dangerous or hazardous goods - Sale of government ID’s or documents - Stolen goods including digital and virtual goods - Transactions involving fraudulent / deceptive marketing practices - Violate any law, statute, ordinance or regulation - Weapons, firearms and ammunitions 10.1.4 Activities requiring approval. Certain activities (for example: airlines and future-delivery travel, charities/donations, debt/loan services, internet pharmacies, virtual currencies and exchanges, adult material, high-value goods, money transmission/escrow, financial instruments, gambling/gaming/sweepstakes) require Finmo’s prior written approval before you may process through the Services. Finmo may withhold or withdraw approval at any time. **Finmo requires pre-approval to accept payments for certain services as detailed below:** - Delivery of future services including airlines, travel agencies and hotel bookings and event ticketing - Collecting donations as a charity or non-profit organization - Any form debt and loan related businesses - Internet pharmacies (including referral sites) or prescription drugs/devices - Virtual currencies including but not limited to Bitcoin and Bitcoin exchanges - Adult material such as legal pornography sites and other adult materials - Dealing in jewels, precious metals and stones - Acting as a money transmitter or selling stored value cards; selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property or providing escrow services - Selling alcoholic beverages, e-cigarette devices and non-cigarette tobacco products - Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes, if the operator and customers are located exclusively in jurisdictions where such activities are permitted by law. We reserve the right to monitor, suspend or terminate use for the Acceptable use Policy breaches and to share information with competent authorities as required by law ### 10.2 Technical Security Requirements **You must not, and must not allow anyone else to:** - compromise or attempt to compromise the security, integrity or performance of the Services; - introduce malware, viruses, trojans or other harmful code; - attempt to gain unauthorised access to any Finmo system, account or data, or to other users’ data; - take any action that overloads, degrades or otherwise interferes with the proper operation of the Services; - violate any applicable cybersecurity, computer-misuse or anti-hacking laws. You are responsible for implementing and maintaining appropriate security controls on your own systems (including access controls, strong credentials, device and network security) and for safeguarding any API keys, passwords or tokens issued to you. Any use of your credentials will be deemed to be authorised by you unless you have notified Finmo of compromise. ### 10.3 Compliance, Monitoring and Cooperation 10.3.1 Finmo may monitor transactions and use of the Services to confirm compliance with this Acceptance User Policy , with scheme/banking rules, and with legal or regulatory requirements. 10.3.2 You must immediately notify Finmo of any actual or suspected fraudulent, unauthorised, suspicious or illegal activity relating to your use of the Services and must provide all information Finmo reasonably requests. 10.3.3 You must co-operate fully with Finmo, its banking/processing partners, card networks, law-enforcement and regulators in any investigation, including by providing transaction records, customer KYC and correspondence. 10.3.4 Finmo may share information (including your information and transaction data) with relevant banks, payment partners, card networks, regulators or law-enforcement authorities where this is required or reasonably desirable to manage fraud, financial crime, sanctions, risk or regulatory obligations. ### 10.4 Consequences of Violation 10.4.1 If Finmo reasonably suspects a breach of these Terms and Conditions or is required to act by a bank, scheme, payment partner or regulator, Finmo may take the following action with or without notice: - suspend or terminate your access to some or all Services. - delay, reverse or withhold payouts or other funds pending investigation. - return funds to the sender or rightful owner if instructed or if required by law or scheme rules. - debit or set off from your account or balances any invalid, fraudulent or unauthorised transactions and any associated fees, fines, penalties or costs. - report the activity to banks, payment partners, regulators or law-enforcement; and/or - permanently bar you from using the Services. - We may suspend or terminate access immediately for suspected fraud, security risk, legal/scheme requirements, or material breach. 10.4.2 You remain liable to Finmo for any losses, chargebacks, reversals, fines, penalties, assessments or scheme/bank charges arising from your breach of this Acceptable Use Policy, and Finmo may recover such amounts from you. 10.4.3. You may terminate at any time by ceasing use (and, if under an MSA, by following the MSA termination procedure). Post-termination obligations (including fees due, chargebacks, reserves, confidentiality, IP) survive. Nothing in this section limits Finmo’s other rights of suspension or termination under these T&Cs or any MSA. ### 10.5 Violations of the Acceptable Use Policy We encourage you to report violations of this Acceptable Use Policy to finmo.net immediately. If you have a question about whether a type of transaction may violate the Acceptable Use Policy, you can email us at info@finmo.net. ### 10.6 Infringement Reporting Policy It is our policy to take appropriate action where necessary to remove from our services or to disallow the use of our services in connection with material that is claimed to be infringing. If you are an intellectual property rights owner and you believe a website or a webpage using our services sells, offers for sale, makes available goods and/or services, or otherwise includes content or materials that infringe your intellectual property rights, then please contact us at info@finmo.net. ## 11\. Transactions, Chargebacks & Disputes 11.1 Transaction Disputes You acknowledge that any transaction processed through the Services may be disputed or reversed, and that a transaction funds reversal, chargeback, return or refund may result in part or all of the purchase amount being returned to the buyer, card network, bank or other financial institution requesting the reversal. 11.2 Your liabilityYou are fully liable for: - the disputed transaction; - the amount of any Transaction Funds Reversal, chargeback, return or Refund; and - all associated fees, fines, penalties, assessments or scheme/bank charges arising from that dispute. 11.3 Your obligations in a disputeYou agree to: - comply with all applicable card network, payment scheme and banking rules in relation to the dispute, chargeback or refund; - take all reasonable steps to resolve the dispute promptly, including providing receipts, proof of delivery or other evidence; - provide to Finmo, and authorise Finmo to provide, timely assistance, information and documents to any platform provider, card network, Finmo’s processor or any financial institution handling the dispute or reversal; and - issue timely refund instructions to Finmo where a refund is being sought. 11.4 Finmo’s rights to give effect to reversalsWhere payment industry or banking rules require a Transaction Funds Reversal, you irrevocably instruct and authorise Finmo, without further notice to you, to: - hold an amount in any Finmo-controlled account to cover the reversal; - restrict or delay your access to such funds; - debit the reversal amount and any associated fees, fines or penalties from such account (or, if applicable, to direct debit your nominated account); and - adjust your Finmo wallet/balance to reflect the reversal. 11.5 No Finmo liability; indemnityFinmo has no liability to you for any Transaction Funds Reversal, chargeback, return, Refund or related scheme/bank assessments, and Finmo’s actions in implementing such reversal will be deemed authorised by you. You agree to indemnify and hold Finmo harmless against all losses, costs, fees, fines, penalties and expenses that arise from or relate to any such dispute, reversal or Refund, or from Finmo acting in accordance with these T&Cs or the MSA in relation to that dispute. 11.6 Fraud and risk controlsYou must implement and maintain reasonable fraud-prevention and transaction-monitoring controls appropriate to your business, and you must cooperate fully with any Finmo investigation of suspicious, unauthorised or fraudulent activity. Finmo may delay, reject, reverse or block any transaction it considers potentially fraudulent, unauthorised, high-risk or non-compliant. 11.7 Chargebacks and representmentsYou remain liable for all chargebacks, reversals, scheme assessments and related fees. Where practicable, Finmo will make available such transaction data or feeds as Finmo receives from its processor or scheme partners to assist you with any representment, but Finmo does not guarantee that any representment will succeed. 11.8 Reserves, set-off and withholdingTo secure your obligations under this clause and under the MSA, Finmo may, where permitted: - withhold payouts - establish or increase a reserve - set off any amounts you owe (including reversals, chargebacks, fees, fines and penalties) against any funds Finmo holds for you; or - require pre-funding. Where there is any inconsistency with the MSA, the MSA terms on reserves, set-off and withholding will prevail. 11.9 EnforcementFinmo may take any legal action it considers necessary to enforce your indemnity or to recover amounts due to Finmo in connection with any Refund, chargeback or Transaction Funds Reversal. ## 12\. Indemnification 12.1 You agree to indemnify, defend and hold harmless Finmo, its affiliates and their respective directors, officers, employees and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: - your breach of these Terms & Conditions or of any policy incorporated by reference (including the Acceptable Use Policy and any Partner Terms) - your use of the Services for any prohibited, unauthorised or illegal purpose - any transaction disputes, chargebacks, reversals or refunds relating to your customers, products or services - your breach of applicable laws, payment scheme or banking rules in any jurisdiction in which you operate; and - any claim by a third party arising from or relating to your content, your products/services, or your use of the Services. 12.2 If you have entered into a Merchant Services Agreement (MSA) or other written agreement with Finmo, the indemnification provisions in that agreement apply in addition to this clause 12, and will prevail for the Services covered by that agreement. 12.3 This indemnity is binding and enforceable to the fullest extent permitted by law in every jurisdiction in which Finmo operates or provides the Services. ## 13\. Limitation of Liability 13.1 You agree to indemnify, defend and hold harmless Finmo and its officers, employees, affiliates and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms & Conditions; (b) your breach of the Acceptable Use Policy or use of the Services for any prohibited or unapproved purpose; (c) any transaction disputes, chargebacks, reversals or refunds that relate to your customers or your business; and (d) any violation of law, scheme or network rules by you or on your systems. 13.2 The website and any services or content made available through it are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Finmo disclaims all warranties, representations and conditions, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. 13.3 To the fullest extent permitted by law, Finmo will not be liable to you for: - loss of profits, revenue, business, goodwill or anticipated savings - business interruption - loss or corruption of data; or - any indirect, consequential, punitive or special loss or damage,arising out of or in connection with your use of (or inability to use) the website or the Services. 13.4 Except for liabilities that cannot be limited or excluded by law, Finmo’s total aggregate liability to you arising out of or in connection with these T&Cs will be limited to the total amount of fees (if any) you have paid to Finmo for the relevant Service in the twelve (12) months immediately preceding the event giving rise to the claim. If you have not paid any fees in that period, Finmo’s liability will be limited to the minimum amount permitted by applicable law. 13.5 Nothing in these T&Cs excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under applicable law. 13.6 Where you have entered into a Merchant Services Agreement (MSA) or other written services agreement with Finmo, the indemnities and liability provisions in that agreement apply in addition to this clause 12. If there is any inconsistency between these T&Cs and the MSA in relation to the Services covered by the MSA, the MSA will prevail. ## 14\. Changes to these Terms and Conditions 14.1 We may update these Terms & Conditions (“T&Cs”) from time to time. 14.2 We may provide notice of updates by any reasonable means, including posting the revised T&Cs in-product, displaying a banner or pop-up, emailing the account administrator, or publishing a changelog. 4.3 Unless stated otherwise in the notice, updates take effect when posted. Your continued access to or use of the Website or Services after the effective date constitutes acceptance of the updated T&Cs. 14.4 If you don’t agree. If you do not agree to an update, you should stop using the Website and Services before the update takes effect. Where you have an executed MSA, your termination or change rights (if any) are as set out in the MSA. ## 15\. Complaints and Contact ### 15.1 Complaints Handling Policy **a. Our policy** Finmo is committed to providing the highest level of care to all our customers. If you feel that our service has not met your expectations, then please tell us. Customer complaints are important to our organisation. They offer specific insights into how we might improve our services, processes and procedures. **b. What to do if you have a complaint?** Please contact us at compliance@finmo.net, detailing the nature of your complaint and providing all relevant information and your contact details. To ensure that your complaint is resolved as soon as possible, please outline any steps you would like us to take in addressing the issue. **c. Our complaints procedure** - Once a complaint has been received, we will acknowledge it and aim to resolve it as quickly as possible. The length of time will depend on the nature of the issues involved. Should a delay occur, we will contact you explaining the reason for the delay and outline the next steps. - If you have received an offer of remedial action or redress from us in response to a complaint you have submitted, and if you consider it to be acceptable, please let us know so that we can comply promptly with it. **d. If you are not satisfied with our response** If you are not satisfied with our final response, you might be entitled to refer it to the relevant local Ombudsman Service, but you must do this within six month of our final response. ### 15.2 Contact us To contact us in relation to these terms of use, please email info@finmo.net. ## 16\. AML / CTF and Sanctions 16.1 Regulatory compliance. Finmo is required to comply with applicable anti-money laundering, counter-terrorism financing, financial sanctions and related regulatory requirements in every jurisdiction in which it operates or targets customers. 16.2 Customer due diligence. You agree to provide Finmo, on request, with any information and documents that Finmo (or its banking/payment partners) considers necessary to verify your identity, your business, your authorised users, your source of funds, or your customers/beneficial owners. Finmo may withhold, delay or suspend the provision of Services until such information is received and verified. 16.3 Monitoring and reporting. You acknowledge and agree that Finmo may monitor transactions and account activity and may file reports or disclosures with the Monetary Authority of Singapore (MAS), AUSTRAC, or other competent authorities where Finmo is required to do so. Finmo is not permitted to notify you if such reports are made. 16.4 Risk-based controls. Finmo may at any time apply risk-based measures, including transaction limits, enhanced due diligence, delaying or rejecting transactions, or suspending or terminating your access to the Services, where Finmo reasonably considers this necessary to meet its legal or regulatory obligations. 16.5 Local regulatory status. Finmo entities hold or operate under the licences/registrations disclosed in [Section 3 (Regulatory Disclosures).](https://www.finmo.net/terms-of-service#3-regulatory-disclosures-licenses-and-registrations) Those licences do not relieve you of your own AML/CTF or sanctions obligations in the jurisdictions in which you operate. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/terms-of-service#) Reject AllAccept All ## Finmo Pricing Plans Finmo Pricing ## One platform. Flexible pricing. Full financial control. Choose the modules that matter most to your business today and expand as complexity grows. Finmo’s modular pricing ensures you only pay for what delivers value, while maintaining full visibility and control across accounts, entities, and markets. # Compare plans Compare plans Essential For startups and growing companies who want to simplify finances Free [Get started](https://dashboard.finmo.net/signup) Enterprise For global enterprises who need full customization Custom [Talk to our team](https://www.finmo.net/contact-us) Cash management Accounts Receivable Management Automated Invoicing Create and send invoices to customers automatically Recurring Invoicing & Auto-Pay Support full subscription billing and auto-pay flows. Payment Tracking Monitor customer payments and identify overdue accounts Customer Communication Send payment reminders and statements to customers Cash Application Automate matching payments to invoices for a clear view of cash Reporting and Analytics Generate reports on receivables aging, payment statuses, and other key metrics. Early Payment Discounts Auto-applies early pay discounts when available – ensure incentives aren't missed. AI-Driven Collections Smart workflows for escalations, follow-ups, and past-due prioritization. Connected Finance Connects with accounting software and other business systems. To be advised Accounts Payable Management Intelligent Invoice Capture Real-time, AI-powered OCR that extracts key data from invoices Multi-payment Methods Pay vendors through various methods, including ACH transfers, cards, wire transfers, etc. Invoice Coding AI auto-coding that predicts and learns from GL history. Customizable Approval Workflow Flexible routing by vendor, amount, department, or code. Purchase Order (PO) Matching Automatically matches invoices against corresponding purchase orders Fraud Monitoring Real-time detection for duplicates and suspicious activity. Connected Finance Connects with accounting software and other business systems. To be advised Invest Endowus\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Syfe\*\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Analytics and Value-Added Features Balance Live balances & transactions from your bank accounts, & gives you a single, up-to-date view of your true cash position Intelligent Upload - Included
Direct API - To be advised Cash Flow Forecasting Generate cash flow forecasts for up to 6 months with predictive modeling. Take control of your liquidity management decisions. 13-week rolling week forecasts Multi-entity Management Real-time performance insights across all your business units. Perform transactions across multiple entities from a single location. Unified Integration Bank Connectivity Gain complete visibility into cash positions across all accounts by securely connecting your bank accounts Intelligent Upload - Included Direct API - To be advised Accounting Software Connectivity Sync payments and automate the posting of journal entries to your general ledger. Accelerate your reconciliation processes. Intelligent Upload - Included Direct API - To be advised Excel The most common tool used by SMEs and MMEs finance teams. Send data to Cash and FX Management Modules. ERP Connectivity Aggregate cash data from your ERP systems for a single view of your cash flow. Generate industry data feeds such as VCF, CDF, MT940, and MT942. Intelligent Upload - Included Direct API - To be advised MO AI Conversation AI Interface Ask natural language questions across cash, payments, FX, and compliance — no training needed. Proprietary Treasury Intelligence Trained on Finmo's unique finance datasets, entity structures, payment flows, and risk patterns for an unmatched financial context. Real-Time Operational Actions Not just insights. MO can trigger payments, generate reports, or set hedging actions directly from chat. Multilingual Support Serve global teams with intelligent support in English, Bahasa, Thai, and more, ensuring relevance across markets. Payments fees ## Payments fees 
(usage‑based) The following fees apply when using Finmo’s payments and money
movement capabilities. These are usage-based and sit outside the
subscription plans above. ### Global Currency Account (GCA) Account Creation Free SWIFT (SHA)\[1\] $25 Prefunding Fee (Top-Up) $0 For USD, AUD, EUR, GBP, SGD Any GCA top up in the above currencies in customer gca wallet or master wallet (event: gca topup) will be charged $0 Whitelisting rule will not be applicable for GCA topup i.e. no matter the sender, we will not charge for the topup FX Rate \[2\] United States Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Australian Dollar (AUD), New Zealand Dollar (NZD), Canadian Dollar (CAD), Swiss Franc (CHF), Norwegian Krone (NOK), and Swedish Krona (SEK), Singapore Dollar (SGD) 0.50% Other Currencies 1.00% Cross-Border Convenience Fee 0.10% For a like-for-like currency cross-border transfer. This is in addition to the SWIFT (SHA) feei.e., AUD-AUD SWIFT payments \[1\] SHA: Both the client (sender) and beneficiary will pay fees to the sending bank. The beneficiary will receive the amount transferred, less the intermediary banks' fees. \[2\] The customer's mark-up/margin will be included as the FX exchange rate used to convert one currency into another. If any currency is not listed, it will be treated as an "other currency" ### Payment Method Fees Cards - Visa, Mastercard (Blended) Domestic 2.6% + $0.30 Per successful transaction International 3.4% + $0.30 Per successful transaction Local Bank Transfer SG: PayNow, FAST, MEPS 0.20% + $0.30 Per successful transaction ID 0.50% + $0.30 Per successful transaction MY: FPX 0.20% + $0.30 Per successful transaction PH 0.50% + $0.30 Per successful transaction TH: Prompt Pay 0.50% + $0.30 Per successful transaction VN 0.50% + $0.30 Per successful transaction AU: PayID 0.20% + $0.30 Per successful transaction NZ: Poli 1.50% + $0.30 Per successful transaction US: ACH, RTP, FEDNOW 0.50% + $0.30 Per successful transaction EU: SEPA 0.50% + $0.30 Per successful transaction Local Digital Wallet ID: GoPay, OVO, LinkAja, ShopeePay, DANA 2.6% + $0.30 Per successful transaction MY\[1\]: Shopeepay, Grabpay, WeChatPay (only MY entities), Touch N Go 2.6% + $0.30 Per successful transaction PH: GCash, Maya, Maya bill pay, Coins.ph, Shopee Pay, Grabpay 2.6% + $0.30 Per successful transaction TH\[2\]: Rabbit Line Pay, True Money 2.6% + $0.30 Per successful transaction VN: Zalopay, Appotapay, VNPT Money, Viettelpay, Shopeepay 2.6% + $0.30 Per successful transaction \[1\] Payout in MYR only to Malaysian entities \[2\] Payin ONLY ### Other Fees Settlement Fee 0.50% Per conversion of a transaction currency into
the settlement currency Refund\[1\] $0.30 + any network charge Per refund request Chargeback\[1\] $20 + any network charge Per chargeback request Bank Account Validation $1.00 Per successful verification API Integration Set Up Fee Varies Early Termination Fee Varies \[1\] Excludes any additional fees or charges imposed by Finmo’s Network Partners. Such charges will be passed on to you by Finmo. sajnxas - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO \*Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested. Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly. The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate. Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country. \*\*Finmo acts an introducer to licensed financial advisors, including Syfe Pte. Ltd. ("Syfe"). In return for introducing clients to them, Finmo receives a revenue share. Syfe is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Please note that we don't take into account your business's objectives, circumstances or financial needs. Any advice given by us is of a general nature & informational only and is not personal financial product advice (meaning it does not take into account your objectives, financial situation or needs). Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement or other offer document prior to making an investment decision in relation to a financial product (including a decision about whether to acquire or continue to hold). As investments provided by our partners carry risk, before making any investment decision, please consider if it's right for you and seek appropriate taxation and legal advice. All financial products involve risk and you should ensure you understand the risks involved as certain financial products may not be suitable to everyone. Past performance of any product described on this website is not a reliable indication of future performance. ## Try Finmo today Sign up and start exploring our dashboard today, or book a demo to talk things through with our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/pricingt#) Reject AllAccept All ## Working Capital Solutions Working capital optimisation # Put capital to work Drive future value creation and improve liquidity, optimise currency conversions, automate FX hedging, and explore idle cash investment solutions with Finmo’s working capital management platform. Connect accounts, forecast cash flow and deploy capital intelligently with data-driven working capital management tools. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdb2c82c7e64519fcadb4e751c596f1892b94b8a1-1200x1350.webp&w=3840&q=100) ## Manage FX risk and Protect Working Capital Currency volatility can erode margins and distort cash flow forecasts. Finmo helps finance teams manage FX risk while protecting working capital and improving liquidity management. Institutional FX pricing Competitive FX rates Reduce your FX conversion costs with fully transparent and competitive interbank rates from the world’s best liquidity providers. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6c6b2edc1ed1ac29ccdee1813cf67e0183ff044d-547x360.svg) Custom hedging From FX risk, to rewards Protect future cashflow from currency movements with custom hedging strategies that fit your business needs. Set your risk appetite, choose hedge timings, and let our working capital management tool do the rest. ![](https://cdn.sanity.io/images/3m8qrzh6/production/734b5444ffaea927f27cb98be2fe907efe30e3a4-547x360.svg) Data-backed FX conversion Smarter conversions Use our analytical engine to identify FX savings by tracking historical performance and trends and intelligently batch payments and conversions to reduce costs. ![](https://cdn.sanity.io/images/3m8qrzh6/production/8dfbe0bae7d990bdaea44e421b9ffa923bc97879-547x360.svg) ## Invest for the future ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F12b78f68c14b927ba5454543fa4df3381053c8ab-1094x1312.webp&w=3840&q=100) Working capital deployment ## Put Idle Cash to Work Improve working capital efficiency by deploying excess liquidity into low-risk money market funds across major currencies. Finmo helps finance teams generate returns on idle cash while maintaining full liquidity and control. [Invest](https://www.finmo.net/product/working-capital-optimisation/yield) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fcedb45bdc04c2c3b8b82ababf51d0afe82826fc6-1094x1312.webp&w=3840&q=100) Easy access ## Flexible funds Our partners offer a range of smart idle cash investment solutions with ~4+% in projected returns. All with unlimited transfers and withdrawals within 2-4 business days. [Invest](https://www.finmo.net/product/working-capital-optimisation/yield) ## Try Finmo today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions about working capital optimization How can CFOs optimise working capital across global operations or multiple markets? CFOs optimise working capital across global operations by improving visibility into cash positions across entities, identifying trapped liquidity, and reallocating surplus funds where they are most needed. This requires consolidating bank accounts, currencies, and payment flows into a single view. New-age treasury platforms like Finmo help finance teams unlock trapped liquidity, optimise FX conversions, and redeploy excess funds efficiently across markets. What are the best strategies to improve working capital efficiency? 1\. Accelerate receivables to reduce days sales outstanding (DSO) and improve cash inflows. 2\. Optimise payment timing to balance supplier relationships while preserving liquidity. 3\. Reduce FX conversion costs by managing currency exposure and conversion timing. 4\. Unlock trapped liquidity across subsidiaries, accounts and currencies. 5\. Improve real-time cash visibility to understand global liquidity positions. 6\. Use forecasting to identify surplus funds that can be deployed more efficiently. Platforms like Finmo turn fragmented financial data into actionable financial intelligence, enabling finance teams to consolidate cash positions, execute payments and deploy excess liquidity from a [single dashboard](https://www.finmo.net/product/connected-financial-dashboard). How do CFOs reduce idle cash without increasing liquidity risk? CFOs reduce idle [cash by forecasting](https://www.finmo.net/product/cash-flow-forecasting) short-term liquidity needs accurately and allocating surplus balances to low-risk instruments while preserving quick access to funds. Instead of leaving excess capital dormant in operating accounts, finance teams increasingly deploy liquidity into mid-market funds or money market instruments. Solutions like Finmo help identify idle balances across entities and enable controlled deployment without compromising liquidity. How should companies deploy excess cash efficiently? Companies deploy excess cash by first identifying surplus liquidity beyond operational buffers and allocating it into short-duration instruments such as mid-market or money market funds. Many finance teams also hedge FX exposure before deploying capital across currencies to protect returns. Platforms like Finmo help finance teams identify excess liquidity, manage currency exposure and deploy funds strategically while maintaining full treasury visibility. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/working-capital-optimisation#) Reject AllAccept All ## Finmo Terms of Service # Terms of Service Contents - [Finmo Terms & Conditions](https://www.finmo.net/hk/terms-of-service#finmo-terms-conditions) - [1\. Introduction and Acceptance of Terms](https://www.finmo.net/hk/terms-of-service#1-introduction-and-acceptance-of-terms) - [2\. Other Applicable Terms and Policies](https://www.finmo.net/hk/terms-of-service#2-other-applicable-terms-and-policies) - [3\. Regulatory Disclosures - Licenses and Registrations](https://www.finmo.net/hk/terms-of-service#3-regulatory-disclosures-licenses-and-registrations) - [4\. Access to the Website and Services](https://www.finmo.net/hk/terms-of-service#4-access-to-the-website-and-services) - [5\. Website Content and Changes](https://www.finmo.net/hk/terms-of-service#5-website-content-and-changes) - [6\. Privacy](https://www.finmo.net/hk/terms-of-service#6-privacy) - [7\. Intellectual Property Rights](https://www.finmo.net/hk/terms-of-service#7-intellectual-property-rights) - [8\. Security, Viruses and Misuse](https://www.finmo.net/hk/terms-of-service#8-security-viruses-and-misuse) - [9\. Third Party Services, Partner Rails and Local Terms](https://www.finmo.net/hk/terms-of-service#9-third-party-services-partner-rails-and-local-terms) - [10\. Acceptable Use Policy](https://www.finmo.net/hk/terms-of-service#10-acceptable-use-policy) - [11\. Transactions, Chargebacks & Disputes](https://www.finmo.net/hk/terms-of-service#11-transactions-chargebacks-disputes) - [12\. Indemnification](https://www.finmo.net/hk/terms-of-service#12-indemnification) - [13\. Limitation of Liability](https://www.finmo.net/hk/terms-of-service#13-limitation-of-liability) - [14\. Changes to these Terms and Conditions](https://www.finmo.net/hk/terms-of-service#14-changes-to-these-terms-and-conditions) - [15\. Complaints and Contact](https://www.finmo.net/hk/terms-of-service#15-complaints-and-contact) - [16\. AML / CTF and Sanctions](https://www.finmo.net/hk/terms-of-service#16-aml-ctf-and-sanctions) ## Finmo Terms & Conditions Please read these terms and conditions carefully before using the website. ## 1\. Introduction and Acceptance of Terms 1.1 These Terms & Conditions (T&C’s) govern access to and use of Finmo Tech Pte Ltd and its website [www.finmo.net](https://www.finmo.net/), including its affiliates’ websites (“Finmo”), dashboards, APIs, documentation and related services (the “Services”). 1.2 By accessing or using the Services , whether as a guest or a registered user you confirm that you accept and will comply with these T&C’s on behalf of the entity you represent ( “ Merchant “ or “ You”). Use of our website includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our website. By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our website. ## 2\. Other Applicable Terms and Policies 2.1 The following documents are incorporated into these T&C’s by reference and apply to your use of our website, dashboards, APIs and related services. We may update these documents from time to time as described in clause 2.3. - Finmo Privacy Policy - sets out how we collect, use, disclose and protect personal data at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy) - Prohibited Activities & Acceptable Use Policy - lists activities not permitted and those requiring pre-approval at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) - Complaints Handling Policy – how to lodge a complaint and our resolution process at [https://finmo.net/complaints](https://www.finmo.net/complaints) - Fee Schedule - (if applicable outside an MSA) – current fees and charges at [https://finmo.net/pricing](https://www.finmo.net/pricing) - Data Processing Addendum (DPA) – governs our processing of personal data as processor/service provider; includes Sub-processors List - Regulatory Status & Disclosures – current licences/registrations and jurisdictional at [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) - Third-Party/Partner Terms – certain features are provided by regulated partners or vendors and may be subject to their terms . By using those features, you also agree to the applicable partner terms. 2.2 By using our website and services, you acknowledge these incorporated documents and where relevant, you consent to the processing of personal data in accordance with the Privacy Policy and you warrant that information and all data provided by you is accurate and up to date. 2.3 We may update the documents listed in clause 2.1. Material adverse changes will take effect 30 days after posting (or sooner if required by law, security or risk). Non-material or beneficial updates may take effect immediately. Continued use after the effective date constitutes acceptance of the update. ## 3\. Regulatory Disclosures - Licenses and Registrations 3.1 [www.finmo.net](https://www.finmo.net/) is a website operated by Finmo Tech Pte Ltd (“we / Finmo”) and provides access to our dashboards, portals, APIs/SDKs, documentation, integrations, and payments/treasury operating platform. Finmo operates globally under a combination of group licences and regulated partners. For the most current registrations, licence scopes, jurisdictions, and disclosures, see Country Specific Regulatory Status & Disclosures: [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) 3.2 The following are the jurisdictions where we are currently licensed. Note this is subject to amendment and this will be updated from time to time. ### Singapore Finmo Tech Pte. Ltd. (Finmo) holds a Major Payment Institution (MPI) Licence issued by the Monetary Authority of Singapore (MAS), which allows Finmo to provide e-money issuance services, account issuance services, merchant acquisition, cross border and domestic money transfer services. (Licence number: PS20200640) In accordance with the applicable laws and regulations (including PSN08), Finmo is required to provide the following disclosures with regards to Safeguarding: - Notice for Non-Singapore Residents: Finmo Tech Pte. Ltd. is licensed by the Monetary Authority of Singapore to provide e-money issuance services. Please note that this does not mean you will be able to recover all the money you paid to Finmo Tech Pte. Ltd. if Finmo Tech Pte. Ltd.’s business fails.” Hours of Business Operations: Our working hours in Singapore are from 9am SGT to 6pm SGT (Mon to Friday) excluding Public Holidays. ### Australia Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds an Australian Financial Services Licence (AFSL number: 535371). Finmo Tech is also a registered independent remittance business (AUSTRAC registration no: IND100723324-001) and a registered Digital Currency Exchange provider (AUSTRAC registration no: DCE100723324-001). ### New Zealand Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds a Financial Service Provider License (FSP No: FSP1003815) ### United States of America (USA) Finmo LLC is registered as a Money Service Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury. (MSB Registration Number: 31000248116829) ### United Kingdom (UK) Finmo UK Group Limited is a regulated Electronic Money Institution with the Financial Conduct Authority (FCA) (Company Number: 12519275) ### Hong Kong Finmo HK Limited is a limited liability company incorporated in Hong Kong with business registration number 77265186 and is applying for a Money Service Operator Licence. ### United Arab Emirates (UAE) Finmo (DIFC) Limited is a registered entity with the Dubai International Financial Centre (DIFC) with registration number 11455. Finmo (DIFC) Ltd is applying to be an Authorised Firm under the DFSA (Dubai Financial Services Authority). ### Poland FINMO POLAND SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ a registered company (KRS Number: 0001119721) applying for a Payment Institution Licence in Poland. ### Philippines Finmo Tech Philippines Inc a registered company (Corporation Number: 2025070207561-39) applying for a Operator of a Payment System Licence in the Philippines. ### Canada Finmo Tech Canada is a registered payment service provider with the Bank of Canada. ## 4\. Access to the Website and Services 4.1 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. 4.2 We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. 4.3 You are responsible for ensuring that all persons who access the Services through your credentials are aware of these T&Cs and comply with them. 4.4 Keep your user IDs and passwords confidential; notify info@finmo.net immediately of any suspected compromise. We may suspend or disable credentials to protect you or the platform. 4.5 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at info@finmo.net. ## 5\. Website Content and Changes 5.1 The information contained in this website is for general information purposes only. We use reasonable efforts to keep the information published on our website up to date and correct, however we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. ## 6\. Privacy 6.1 Our objective is to collect, store and disclose personal data fairly , lawfully and securely. Any information you provide (including personal data) will be collected and processed by Finmo and by third parties engaged by Finmo to deliver, operate or support the Services in accordance with our Privacy Policy. 6.2 By using the Website or the Services, you acknowledge and agree that we may process your information for the purposes set out in the Privacy Policy (including providing the Services, operating our platform, complying with legal and regulatory obligations, fraud prevention and service improvement), and you warrant that all information you provide to us is accurate, complete and not misleading. ## 7\. Intellectual Property Rights 7.1 We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. 7.2 You may print or download extracts of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website. 7.3 You must not modify in any way the paper or digital copies of any materials you have printed off or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged. 7.4 You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors. 7.5 If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. ## 8\. Security, Viruses and Misuse 8.1 We do not guarantee that our website or any content on it will be secure or free from bugs, malware or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our website and should use your own virus protection software. 8.2 You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. 8.3 You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. 8.4 If you breach this clause, your right to use our website will cease immediately and we may take such actions as we consider appropriate, including reporting the breach to the relevant law enforcement or regulatory authorities and cooperating with those authorities by disclosing your identity to them. ## 9\. Third Party Services, Partner Rails and Local Terms ### 9.1 Partner rails and partner terms Some Services are provided by, through, or in connection with regulated partners or local service providers (each, a “Partner”). By enabling or using any feature, payment rail, payout method or jurisdiction that involves a Partner, you acknowledge and agree that: - the Partner’s terms, policies and agreements (the “Partner Terms”), as published or updated by the Partner from time to time, are incorporated by reference into these T&Cs; - you will comply with the Partner Terms in addition to these T&Cs; and - your access to those Partner enabled features is conditional on your ongoing compliance with the Partner Terms and on completing any onboarding , KYC/KYB, monitoring or other checks required by Finmo or the Partner. ### 9.2 Linking to our website - You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or imply endorsement. - You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. - You must not establish a link to our website in any website that is not owned by you. Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page. - We reserve the right to withdraw linking permission without notice. ### 9.3 Third-party sites, services and local terms Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources. **For merchants who wish to use our services in the United States, the terms and conditions of our local partner, Checkbook Inc., shall apply. By using such services, you will be deemed to have read, accepted and agreed to the terms and conditions mentioned here: [https://www.finmo.net/finmo-marketplace-agreement](https://www.finmo.net/finmo-marketplace-agreement)** ### 9.4 Cross-Entity Onboarding and Virtual Account Issuance - Cross-Entity Service Provision. The Merchant acknowledges and agrees that, where Finmo SG, Finmo AU, or Finmo NZ (each, a “Finmo Entity”) provides collection, payment, or Virtual Account Number services in support of another Finmo Entity’s clients, the Merchant shall be deemed to be concurrently onboarded with each relevant Finmo Entity for the sole purpose of enabling that Finmo Entity to perform the applicable regulated or operational activities. - Virtual Account Issuance. In such cases, the Merchant authorises the relevant Finmo Entity (Finmo SG, Finmo AU, or Finmo NZ, as applicable) to issue Virtual Account Numbers directly to the Merchant and to process corresponding collection and payout flows in accordance with the services requested by the Merchant. ## 10\. Acceptable Use Policy ### 10.1 General Use and Prohibited Activities 10.1.1 General Use By using the Website or any Finmo services, you agree to use them only for lawful, legitimate business purposes and in accordance with all laws and regulations applicable to you and to Finmo; - the licences and regulatory permissions under which Finmo operates (see Section 3 – Regulatory Disclosures); - applicable payment, banking, card network and scheme rules; and - these Terms & Conditions and any additional policies Finmo publishes from time to time. Any use of the platform outside these parameters constitutes a material breach of the terms and conditions. 10.1.2 Prohibited Activities - Fraud and Scam Prevention You expressly agree that you must not use the Services in any way that constitutes, facilitates or enables fraud, scams or illegal payment activity, including (without limitation): a. Fraudulent Transactions - Processing payments that you know or reasonably suspect to be fraudulent - Facilitating transactions where authorization was obtained through fraud, deception, or misrepresentation - Processing payments with forged, stolen, or unauthorized payment credentials - Engaging in any form of payment fraud, including card-not-present fraud, identity theft, or account takeover b. Scam Activities - Operating or facilitating advance fee scams, romance scams, or investment fraud schemes - Processing payments for pyramid schemes, Ponzi schemes, or other fraudulent investment opportunities - Facilitating phishing operations or social engineering attacks - Processing payments for fake goods, services, or non-existent products c. Unauthorized and Suspicious Activities - Processing transactions that were not originated from legitimate agreements between you and your customers - Continuing to process payments after becoming aware of suspicious or potentially fraudulent activity - Failing to implement reasonable fraud prevention measures in your business operations - Processing payments that violate anti-money laundering (AML) or know-your-customer (KYC) requirements 10.1.3 Prohibited and Restricted Lines of Business. You must not use the Services for activities listed in Finmo’s prohibited and restricted business list at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) which includes (non-exhaustively): hate/violence content; illegal drugs or drug paraphernalia; sale of government IDs; stolen goods (including digital/virtual goods); bribery or corruption; infringing IP; high-risk/likely-fraud products; weapons, firearms and ammunition; and activities that violate any law. **Prohibited and Restricted Lines of Business** - You MUST NOT use the Services for activities listed in the (\[URL\]), which include but are not limited to the following activities: Are inappropriate content, goods or services that promote, cause or further Hate/Violence/Racism/Religious persecution - Drug paraphernalia - Drugs / Illicit substances, steroids and certain controlled substances or other products that present a risk to consumer safety - Encourage, promote, facilitate or instruct others to engage in illegal activity - Infringe any duly registered copyrights/trademarks or other violation of intellectual property rights; - Involve the sale of products or services identified by government agencies to have a high likelihood of being fraudulent - Involve offering or receiving payments for the purpose of bribery or corruption - Pyramid or Ponzi schemes. - Relate to the sale of dangerous or hazardous goods - Sale of government ID’s or documents - Stolen goods including digital and virtual goods - Transactions involving fraudulent / deceptive marketing practices - Violate any law, statute, ordinance or regulation - Weapons, firearms and ammunitions 10.1.4 Activities requiring approval. Certain activities (for example: airlines and future-delivery travel, charities/donations, debt/loan services, internet pharmacies, virtual currencies and exchanges, adult material, high-value goods, money transmission/escrow, financial instruments, gambling/gaming/sweepstakes) require Finmo’s prior written approval before you may process through the Services. Finmo may withhold or withdraw approval at any time. **Finmo requires pre-approval to accept payments for certain services as detailed below:** - Delivery of future services including airlines, travel agencies and hotel bookings and event ticketing - Collecting donations as a charity or non-profit organization - Any form debt and loan related businesses - Internet pharmacies (including referral sites) or prescription drugs/devices - Virtual currencies including but not limited to Bitcoin and Bitcoin exchanges - Adult material such as legal pornography sites and other adult materials - Dealing in jewels, precious metals and stones - Acting as a money transmitter or selling stored value cards; selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property or providing escrow services - Selling alcoholic beverages, e-cigarette devices and non-cigarette tobacco products - Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes, if the operator and customers are located exclusively in jurisdictions where such activities are permitted by law. We reserve the right to monitor, suspend or terminate use for the Acceptable use Policy breaches and to share information with competent authorities as required by law ### 10.2 Technical Security Requirements **You must not, and must not allow anyone else to:** - compromise or attempt to compromise the security, integrity or performance of the Services; - introduce malware, viruses, trojans or other harmful code; - attempt to gain unauthorised access to any Finmo system, account or data, or to other users’ data; - take any action that overloads, degrades or otherwise interferes with the proper operation of the Services; - violate any applicable cybersecurity, computer-misuse or anti-hacking laws. You are responsible for implementing and maintaining appropriate security controls on your own systems (including access controls, strong credentials, device and network security) and for safeguarding any API keys, passwords or tokens issued to you. Any use of your credentials will be deemed to be authorised by you unless you have notified Finmo of compromise. ### 10.3 Compliance, Monitoring and Cooperation 10.3.1 Finmo may monitor transactions and use of the Services to confirm compliance with this Acceptance User Policy , with scheme/banking rules, and with legal or regulatory requirements. 10.3.2 You must immediately notify Finmo of any actual or suspected fraudulent, unauthorised, suspicious or illegal activity relating to your use of the Services and must provide all information Finmo reasonably requests. 10.3.3 You must co-operate fully with Finmo, its banking/processing partners, card networks, law-enforcement and regulators in any investigation, including by providing transaction records, customer KYC and correspondence. 10.3.4 Finmo may share information (including your information and transaction data) with relevant banks, payment partners, card networks, regulators or law-enforcement authorities where this is required or reasonably desirable to manage fraud, financial crime, sanctions, risk or regulatory obligations. ### 10.4 Consequences of Violation 10.4.1 If Finmo reasonably suspects a breach of these Terms and Conditions or is required to act by a bank, scheme, payment partner or regulator, Finmo may take the following action with or without notice: - suspend or terminate your access to some or all Services. - delay, reverse or withhold payouts or other funds pending investigation. - return funds to the sender or rightful owner if instructed or if required by law or scheme rules. - debit or set off from your account or balances any invalid, fraudulent or unauthorised transactions and any associated fees, fines, penalties or costs. - report the activity to banks, payment partners, regulators or law-enforcement; and/or - permanently bar you from using the Services. - We may suspend or terminate access immediately for suspected fraud, security risk, legal/scheme requirements, or material breach. 10.4.2 You remain liable to Finmo for any losses, chargebacks, reversals, fines, penalties, assessments or scheme/bank charges arising from your breach of this Acceptable Use Policy, and Finmo may recover such amounts from you. 10.4.3. You may terminate at any time by ceasing use (and, if under an MSA, by following the MSA termination procedure). Post-termination obligations (including fees due, chargebacks, reserves, confidentiality, IP) survive. Nothing in this section limits Finmo’s other rights of suspension or termination under these T&Cs or any MSA. ### 10.5 Violations of the Acceptable Use Policy We encourage you to report violations of this Acceptable Use Policy to finmo.net immediately. If you have a question about whether a type of transaction may violate the Acceptable Use Policy, you can email us at info@finmo.net. ### 10.6 Infringement Reporting Policy It is our policy to take appropriate action where necessary to remove from our services or to disallow the use of our services in connection with material that is claimed to be infringing. If you are an intellectual property rights owner and you believe a website or a webpage using our services sells, offers for sale, makes available goods and/or services, or otherwise includes content or materials that infringe your intellectual property rights, then please contact us at info@finmo.net. ## 11\. Transactions, Chargebacks & Disputes 11.1 Transaction Disputes You acknowledge that any transaction processed through the Services may be disputed or reversed, and that a transaction funds reversal, chargeback, return or refund may result in part or all of the purchase amount being returned to the buyer, card network, bank or other financial institution requesting the reversal. 11.2 Your liabilityYou are fully liable for: - the disputed transaction; - the amount of any Transaction Funds Reversal, chargeback, return or Refund; and - all associated fees, fines, penalties, assessments or scheme/bank charges arising from that dispute. 11.3 Your obligations in a disputeYou agree to: - comply with all applicable card network, payment scheme and banking rules in relation to the dispute, chargeback or refund; - take all reasonable steps to resolve the dispute promptly, including providing receipts, proof of delivery or other evidence; - provide to Finmo, and authorise Finmo to provide, timely assistance, information and documents to any platform provider, card network, Finmo’s processor or any financial institution handling the dispute or reversal; and - issue timely refund instructions to Finmo where a refund is being sought. 11.4 Finmo’s rights to give effect to reversalsWhere payment industry or banking rules require a Transaction Funds Reversal, you irrevocably instruct and authorise Finmo, without further notice to you, to: - hold an amount in any Finmo-controlled account to cover the reversal; - restrict or delay your access to such funds; - debit the reversal amount and any associated fees, fines or penalties from such account (or, if applicable, to direct debit your nominated account); and - adjust your Finmo wallet/balance to reflect the reversal. 11.5 No Finmo liability; indemnityFinmo has no liability to you for any Transaction Funds Reversal, chargeback, return, Refund or related scheme/bank assessments, and Finmo’s actions in implementing such reversal will be deemed authorised by you. You agree to indemnify and hold Finmo harmless against all losses, costs, fees, fines, penalties and expenses that arise from or relate to any such dispute, reversal or Refund, or from Finmo acting in accordance with these T&Cs or the MSA in relation to that dispute. 11.6 Fraud and risk controlsYou must implement and maintain reasonable fraud-prevention and transaction-monitoring controls appropriate to your business, and you must cooperate fully with any Finmo investigation of suspicious, unauthorised or fraudulent activity. Finmo may delay, reject, reverse or block any transaction it considers potentially fraudulent, unauthorised, high-risk or non-compliant. 11.7 Chargebacks and representmentsYou remain liable for all chargebacks, reversals, scheme assessments and related fees. Where practicable, Finmo will make available such transaction data or feeds as Finmo receives from its processor or scheme partners to assist you with any representment, but Finmo does not guarantee that any representment will succeed. 11.8 Reserves, set-off and withholdingTo secure your obligations under this clause and under the MSA, Finmo may, where permitted: - withhold payouts - establish or increase a reserve - set off any amounts you owe (including reversals, chargebacks, fees, fines and penalties) against any funds Finmo holds for you; or - require pre-funding. Where there is any inconsistency with the MSA, the MSA terms on reserves, set-off and withholding will prevail. 11.9 EnforcementFinmo may take any legal action it considers necessary to enforce your indemnity or to recover amounts due to Finmo in connection with any Refund, chargeback or Transaction Funds Reversal. ## 12\. Indemnification 12.1 You agree to indemnify, defend and hold harmless Finmo, its affiliates and their respective directors, officers, employees and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: - your breach of these Terms & Conditions or of any policy incorporated by reference (including the Acceptable Use Policy and any Partner Terms) - your use of the Services for any prohibited, unauthorised or illegal purpose - any transaction disputes, chargebacks, reversals or refunds relating to your customers, products or services - your breach of applicable laws, payment scheme or banking rules in any jurisdiction in which you operate; and - any claim by a third party arising from or relating to your content, your products/services, or your use of the Services. 12.2 If you have entered into a Merchant Services Agreement (MSA) or other written agreement with Finmo, the indemnification provisions in that agreement apply in addition to this clause 12, and will prevail for the Services covered by that agreement. 12.3 This indemnity is binding and enforceable to the fullest extent permitted by law in every jurisdiction in which Finmo operates or provides the Services. ## 13\. Limitation of Liability 13.1 You agree to indemnify, defend and hold harmless Finmo and its officers, employees, affiliates and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms & Conditions; (b) your breach of the Acceptable Use Policy or use of the Services for any prohibited or unapproved purpose; (c) any transaction disputes, chargebacks, reversals or refunds that relate to your customers or your business; and (d) any violation of law, scheme or network rules by you or on your systems. 13.2 The website and any services or content made available through it are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Finmo disclaims all warranties, representations and conditions, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. 13.3 To the fullest extent permitted by law, Finmo will not be liable to you for: - loss of profits, revenue, business, goodwill or anticipated savings - business interruption - loss or corruption of data; or - any indirect, consequential, punitive or special loss or damage,arising out of or in connection with your use of (or inability to use) the website or the Services. 13.4 Except for liabilities that cannot be limited or excluded by law, Finmo’s total aggregate liability to you arising out of or in connection with these T&Cs will be limited to the total amount of fees (if any) you have paid to Finmo for the relevant Service in the twelve (12) months immediately preceding the event giving rise to the claim. If you have not paid any fees in that period, Finmo’s liability will be limited to the minimum amount permitted by applicable law. 13.5 Nothing in these T&Cs excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under applicable law. 13.6 Where you have entered into a Merchant Services Agreement (MSA) or other written services agreement with Finmo, the indemnities and liability provisions in that agreement apply in addition to this clause 12. If there is any inconsistency between these T&Cs and the MSA in relation to the Services covered by the MSA, the MSA will prevail. ## 14\. Changes to these Terms and Conditions 14.1 We may update these Terms & Conditions (“T&Cs”) from time to time. 14.2 We may provide notice of updates by any reasonable means, including posting the revised T&Cs in-product, displaying a banner or pop-up, emailing the account administrator, or publishing a changelog. 4.3 Unless stated otherwise in the notice, updates take effect when posted. Your continued access to or use of the Website or Services after the effective date constitutes acceptance of the updated T&Cs. 14.4 If you don’t agree. If you do not agree to an update, you should stop using the Website and Services before the update takes effect. Where you have an executed MSA, your termination or change rights (if any) are as set out in the MSA. ## 15\. Complaints and Contact ### 15.1 Complaints Handling Policy **a. Our policy** Finmo is committed to providing the highest level of care to all our customers. If you feel that our service has not met your expectations, then please tell us. Customer complaints are important to our organisation. They offer specific insights into how we might improve our services, processes and procedures. **b. What to do if you have a complaint?** Please contact us at compliance@finmo.net, detailing the nature of your complaint and providing all relevant information and your contact details. To ensure that your complaint is resolved as soon as possible, please outline any steps you would like us to take in addressing the issue. **c. Our complaints procedure** - Once a complaint has been received, we will acknowledge it and aim to resolve it as quickly as possible. The length of time will depend on the nature of the issues involved. Should a delay occur, we will contact you explaining the reason for the delay and outline the next steps. - If you have received an offer of remedial action or redress from us in response to a complaint you have submitted, and if you consider it to be acceptable, please let us know so that we can comply promptly with it. **d. If you are not satisfied with our response** If you are not satisfied with our final response, you might be entitled to refer it to the relevant local Ombudsman Service, but you must do this within six month of our final response. ### 15.2 Contact us To contact us in relation to these terms of use, please email info@finmo.net. ## 16\. AML / CTF and Sanctions 16.1 Regulatory compliance. Finmo is required to comply with applicable anti-money laundering, counter-terrorism financing, financial sanctions and related regulatory requirements in every jurisdiction in which it operates or targets customers. 16.2 Customer due diligence. You agree to provide Finmo, on request, with any information and documents that Finmo (or its banking/payment partners) considers necessary to verify your identity, your business, your authorised users, your source of funds, or your customers/beneficial owners. Finmo may withhold, delay or suspend the provision of Services until such information is received and verified. 16.3 Monitoring and reporting. You acknowledge and agree that Finmo may monitor transactions and account activity and may file reports or disclosures with the Monetary Authority of Singapore (MAS), AUSTRAC, or other competent authorities where Finmo is required to do so. Finmo is not permitted to notify you if such reports are made. 16.4 Risk-based controls. Finmo may at any time apply risk-based measures, including transaction limits, enhanced due diligence, delaying or rejecting transactions, or suspending or terminating your access to the Services, where Finmo reasonably considers this necessary to meet its legal or regulatory obligations. 16.5 Local regulatory status. Finmo entities hold or operate under the licences/registrations disclosed in Section 3 (Regulatory Disclosures). Those licences do not relieve you of your own AML/CTF or sanctions obligations in the jurisdictions in which you operate. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/terms-of-service#) Reject AllAccept All ## Careers at Finmo Join us in building the future of finance [Open roles](https://www.finmo.net/about/careers#careers) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) At Finmo, we’re redefining how CFOs and finance teams operate: connecting global payments, cash visibility, FX risk management, and AI-driven intelligence into one treasury management system. We deliver connected financial intelligence and control for the modern CFO, helping businesses scale smarter, faster, and with confidence. Come shape the future with us. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F88fd2c1af438867cb7da81158a04ddf84ef23d02-1094x1312.png&w=3840&q=100) ## Great Place to Work Certified We're proud to be certified as a Great Place to Work in Singapore and India. As a high-growth fintech, we move with speed and ambition, grounded in integrity, ownership, curiosity, and deep customer advocacy. Our culture enables us to scale boldly while building with trust. Why Finmo? ## Global impact, Local mindset We’re not just building software. We’re building a movement. From San Francisco to Sydney, London to Dubai, we’re creating a unified financial platform that brings together all your financial data into one dashboard, empowering finance teams with connected financial intelligence so they can become growth enablers, not just risk controllers. What you’ll find here ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8780df4378005911ddced11bc8df4bd2d61a0081-864x1232.webp&w=3840&q=100) A mission that matters We simplify global finance so businesses can thrive Growth opportunities As a Series-A fintech, every role has outsized impact Collaboration without borders With teams across Singapore, India, Malaysia, Australia, the UK, and beyond,
our diversity is our edge Ownership & trust You’ll have the autonomy to build, innovate, and lead Our culture & values ## We’re builders,
thinkers, and doers. At Finmo, our culture is anchored on four core values: Customers First Everything we build begins with the businesses we serve. At Finmo, we listen deeply to CFOs and finance teams; understanding their challenges before designing solutions that truly make a difference.Every product decision, feature, and innovation ties back to one belief: when our customers win, we win. We take pride in helping businesses gain visibility, control, and confidence to scale faster, smarter, and stronger. Bias for Action Speed matters. In a fast-moving fintech world, progress beats perfection. We believe in moving quickly, learning fast, and adapting faster. Our teams take ownership, make bold calls, and deliver tangible impact without waiting for perfect conditions. Because at Finmo, agility isn’t just how we work. It is who we are. Builders at Heart Our curiosity drives us to question the status quo and reimagine how finance works for the modern enterprise. Every line of code, every integration, and every dashboard we design helps CFOs gain second sight, turning complexity into clarity. We create solutions that move finance forward, not just manage what exists. Win as One We believe great things happen when diverse minds come together. Across Singapore, India, Malaysia, Australia, the UK, and beyond, our teams collaborate seamlessly to solve problems that matter. We celebrate wins together, learn from our misses, and push each other to grow. Because at Finmo, we don’t just work side-by-side, we rise together as one global team. ## We Invest in Our People We know that empowered teams build exceptional products. At Finmo, we invest in your growth, well-being, and success because when you thrive, so does the company. We support you with balance, opportunity, and purpose every step of the way. ![Finmo Team](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2cc52f0f2eba103eafa96af31c30fc12866f5111-2678x1504.webp&w=3840&q=100) Hybrid and flexible working to support global collaboration You share in our growth through pay, rewards, & equity Grow your craft with mentorship, learning, and frontier tech Health, wellness, and family support that put you first Community, connection, and moments that shape Finmo’s culture Do meaningful work that powers global finance Open roles ## Your Next Role Could Be Here Explore opportunities across: Loading open roles... ## Don’t see a fit? We’re always on the lookout for exceptional talent.
If you don’t see a role that matches your profile, drop us a note anyway. [Upload your CV](https://jobs.smartrecruiters.com/oneclick-ui/company/Finmo/job/2003561498?lang=en&sid=&dcr_ci=Finmo) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/about/careers#) Reject AllAccept All ## Local & Global Payments Local & Cross-Border Payouts # Grow globally, pay locally Make faster, more cost-effective payouts across 80+ currencies into 200+ countries in near real-time, with instant FX. All via a single connection to Finmo’s global payment network. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7fc18b77bc3d1aa2b34a57b6c3ea58b901913100-547x656.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F76a6e2d2b0ded83099a873512854aafa654d9c77-1094x1312.webp&w=3840&q=100) Single API integration ## Scale with single connection Bypass the complexity and compliance issues associated with entering new markets. With a single integration to Finmo you can seamlessly move money anywhere with one integration. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fad207e11b68c21ead5305bb485261a05230433a4-1094x1312.webp&w=3840&q=100) A global network ## Act global, pay local Pay employees, contractors or suppliers in their preferred currency with full visibility over FX rates and fees – and most payouts sent instantly. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F70ed479e073d04cd9eacc37a27cab9a07a8c839e-1094x1312.webp&w=3840&q=100) Virtual accounts ## Local banking, without the bank Get virtual accounts with local bank details – without going near a traditional bank. Collect from customers and pay anyone, anywhere—instantly and affordably. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fabd5b29068eed69f47f8d06063e9262471a93ccc-1094x1312.webp&w=3840&q=100) Local payment methods ## Optimised for everywhere Don’t just pay in the right currency, pay in the right way.
Finmo’s payments are optimised for every market – with options to send directly to wallets or banks. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff9476e4abc7ed989c9cd45c650aafa38256ca853-1094x1312.webp&w=3840&q=100) Traceable transactions ## See what you’ve sent Track all your payments on your Finmo Connected Dashboard in real time. Get regular updates and notifications, so you see what’s been paid – and keep payees updated about the process all the way. Global account verification ## End errors and fight fraud Instantly verify account ownership across regions to reduce fraud and payment errors. With Confirmation of Payee in Australia, and Verification of Payee in the UK and Europe, Finmo ensures every transaction reaches the right destination. [Confirmation of payee](https://www.finmo.net/hk/product/payments/local-and-cross-border-payments/confirmation-of-payee) Realtime verification Finmo instantly verifies account ownership by cross-checking submitted details against global banking networks to give you complete confidence before any money moves. Intelligent name-matching Get real time name match suggestions when submitted details are nearly correct, to help catch small errors and stay compliant with regional regulations. Friction-free payee process Verification is fast, frictionless and invisible to your payees. Send payment confidence with a process payees won’t notice. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5c3d0348fad5ee548f62fa71ec50aab40b7887b5-547x656.svg) Real-time risk engine ## Built in compliance Finmo ensures seamless regulation and compliance with its real-time risk and compliance engine. This manages payment compliance and risk mitigation, including screening payouts against global sanctions lists, ensuring secure and compliant transactions. ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/local-and-cross-border-payments#) Reject AllAccept All ## Careers at Finmo Join us in building the future of finance [Open roles](https://www.finmo.net/hk/about/careers#careers) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) At Finmo, we’re redefining how CFOs and finance teams operate: connecting global payments, cash visibility, FX risk management, and AI-driven intelligence into one treasury management system. We deliver connected financial intelligence and control for the modern CFO, helping businesses scale smarter, faster, and with confidence. Come shape the future with us. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F88fd2c1af438867cb7da81158a04ddf84ef23d02-1094x1312.png&w=3840&q=100) ## Great Place to Work Certified We're proud to be certified as a Great Place to Work in Singapore and India. As a high-growth fintech, we move with speed and ambition, grounded in integrity, ownership, curiosity, and deep customer advocacy. Our culture enables us to scale boldly while building with trust. Why Finmo? ## Global impact, Local mindset We’re not just building software. We’re building a movement. From San Francisco to Sydney, London to Dubai, we’re creating a unified financial platform that brings together all your financial data into one dashboard, empowering finance teams with connected financial intelligence so they can become growth enablers, not just risk controllers. What you’ll find here ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8780df4378005911ddced11bc8df4bd2d61a0081-864x1232.webp&w=3840&q=100) A mission that matters We simplify global finance so businesses can thrive Growth opportunities As a Series-A fintech, every role has outsized impact Collaboration without borders With teams across Singapore, India, Malaysia, Australia, the UK, and beyond,
our diversity is our edge Ownership & trust You’ll have the autonomy to build, innovate, and lead Our culture & values ## We’re builders,
thinkers, and doers. At Finmo, our culture is anchored on four core values: Customers First Everything we build begins with the businesses we serve. At Finmo, we listen deeply to CFOs and finance teams; understanding their challenges before designing solutions that truly make a difference.Every product decision, feature, and innovation ties back to one belief: when our customers win, we win. We take pride in helping businesses gain visibility, control, and confidence to scale faster, smarter, and stronger. Bias for Action Speed matters. In a fast-moving fintech world, progress beats perfection. We believe in moving quickly, learning fast, and adapting faster. Our teams take ownership, make bold calls, and deliver tangible impact without waiting for perfect conditions. Because at Finmo, agility isn’t just how we work. It is who we are. Builders at Heart Our curiosity drives us to question the status quo and reimagine how finance works for the modern enterprise. Every line of code, every integration, and every dashboard we design helps CFOs gain second sight, turning complexity into clarity. We create solutions that move finance forward, not just manage what exists. Win as One We believe great things happen when diverse minds come together. Across Singapore, India, Malaysia, Australia, the UK, and beyond, our teams collaborate seamlessly to solve problems that matter. We celebrate wins together, learn from our misses, and push each other to grow. Because at Finmo, we don’t just work side-by-side, we rise together as one global team. ## We Invest in Our People We know that empowered teams build exceptional products. At Finmo, we invest in your growth, well-being, and success because when you thrive, so does the company. We support you with balance, opportunity, and purpose every step of the way. ![Finmo Team](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2cc52f0f2eba103eafa96af31c30fc12866f5111-2678x1504.webp&w=3840&q=100) Hybrid and flexible working to support global collaboration You share in our growth through pay, rewards, & equity Grow your craft with mentorship, learning, and frontier tech Health, wellness, and family support that put you first Community, connection, and moments that shape Finmo’s culture Do meaningful work that powers global finance Open roles ## Your Next Role Could Be Here Explore opportunities across: Loading open roles... ## Don’t see a fit? We’re always on the lookout for exceptional talent.
If you don’t see a role that matches your profile, drop us a note anyway. [Upload your CV](https://jobs.smartrecruiters.com/oneclick-ui/company/Finmo/job/2003561498?lang=en&sid=&dcr_ci=Finmo) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/about/careers#) Reject AllAccept All ## Global Trade Solutions ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for importers & exporters # Protect margins in global trade Automate supplier payments and manage FX exposure, powered by real-time cash visibility and rolling forecasts. Finmo helps importers and exporters monitor FX exposure, forecast funding needs, and execute international payments without losing margin to volatility. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc20b79b58c253a09e69cfcdde356232325c6f137-5356x2820.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fba09065a4b3727d9183ed6fb11d336bb36c241bf-1641x1968.webp&w=3840&q=100) Manage FX risk ## Stop losing margin to volatility Global trade exposes every transaction to currency risk. Importers and exporters often face: • Currency exposure across supplier invoices • Limited visibility into upcoming payment obligations • FX fluctuations eroding trade margins Without clear insight into exposure and funding needs, even profitable shipments can lose margin. Finmo helps trading businesses monitor exposure, plan funding, and execute supplier payments with full visibility. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F12b78f68c14b927ba5454543fa4df3381053c8ab-1094x1312.webp&w=3840&q=100) Global trade, fully controlled ## See exposure. Plan funding. Execute payments. Managing global trade requires visibility across every stage of a transaction. Before executing supplier payments, businesses need to understand: • Currency exposure across shipments • Upcoming payment obligations • How FX movements impact margins Finmo connects financial visibility, forecasting, and global payments so trading companies can protect margins on every transaction. Control every stage of global trade finance ## Monitor exposure, forecast funding, and execute supplier payments Connect your accounts Link your bank accounts and accounting software to get a single, unified view of your cash flow. See currency exposure Monitor currency exposure across suppliers and shipments before FX moves impact your margins. Forecast & hedge Generate rolling forecasts to model FX impact and plan funding ahead of every trade cycle. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Automate supplier payments Execute multi-currency supplier payments from a single platform, with full visibility into funding and FX impact. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by the smartest importers & exporters ## What businesses are saying about Finmo Companies trading globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Security & compliance ## Enterprise-grade infrastructure, for importers & exporters As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates your dashboard. No manual reconciliation. No gap between what moved and what your numbers show. Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Protect your margins. Grow unimpeded. [Get started for free](https://dashboard.finmo.net/signup) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/import-and-export#) Reject AllAccept All ## Cash Investment Solutions Invest # From idle cash to active returns Get idle cash working for you. Invest in low-risk, easy-access money market funds to build returns and beat inflation. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4b6d49d7dd598b773dc49b6031d5211a198fe430-1200x1350.webp&w=3840&q=100) ## Put your cash to work Make the most of excess capital using our smart investment funds. Competitive returns Maximise returns Put your cash to work with our smart investment opportunities and potentially earn up to ~4+% in projected returns.\* With unlimited transfers, no minimum balances and no lock-in period. ![](https://cdn.sanity.io/images/3m8qrzh6/production/f546beefda1d2a191abe6b393b82b807bbe28a52-547x360.svg) Protect capital Beat inflation Rising inflation can erode your reserves. Protect your business’s capital by earning competitive returns – and see off inflationary pressures. ![](https://cdn.sanity.io/images/3m8qrzh6/production/c1d961171ae7a4ad6b7034faa9cc9ac7b125ef6e-547x360.svg) Fund management Flexible fund management Enjoy simple and seamless fund management, integrated within Finmo’s intuitive platform. Easily invest and monitor daily returns and balances across all currencies in one simple dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd35d3b1fa19bfbe1b85e9db551c24e3f3b79caa8-1094x720.webp&w=3840&q=100) Easy access Cash out fast Need your funds? Simply withdraw with 2-4 business days settlement. Track your transfers in real-time and access your investments anytime. ![](https://cdn.sanity.io/images/3m8qrzh6/production/4a436cacd4c6a08a0aba00e21c24ec5ad4826585-547x360.svg) Secure investments Enterprise level security Your assets are held securely with leading financial institutions. All deposits are protected by bank-grade security and risk controls. ![](https://cdn.sanity.io/images/3m8qrzh6/production/e09378e020874697c2b7e4e208ac354302c2bd3c-547x360.svg) Products ## Ready‑made investments We partner with award-winning advisors Endowus and Syfe to help you earn competitive returns. EndowusSyfe ## Invest with Endowus Endowus charges just one all-in fee, no sales fees or transactional fees, and rebates 100% of the trailer fees it receives back to you. Endowus Cash Smart Secure (SGD) Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best performing money market funds. Projected Returns 1.70% - 1.90% p.a.\* Endowus Cash Smart Ultra (SGD) Ultra aims to provide the highest yield amongst the Endowus Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds. Projected Returns 2.6% to 2.8% p.a.\* USD Money Market Funds Endowus offers a range of USD-denominated Money Market Funds that can suit your treasury management needs. Guaranteed Return 3.8% to 4.2% p.a. [Invest now](https://dashboard.finmo.net/signup) ### Get started in three simple steps Generate excess yield on your idle cash across multiple dimensions Invest your excess cash in a variety of investment options across major currencies - SGD, USD, AUD, CHF, EUR and GBP - with flexibility and no lockups Assets safely held with UOB Kay Hian Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of the Asia’s largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets. Fully integrated with your Finmo account By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo 
Tech Pte Ltd. \*Corporate Clients will have to open an account with Endowus before investing via the Endowus Platform Terms and conditions Finmo acts as an introducer to ENDOWUS SINGAPORE PTE. LTD. ("Endowus") and SYFE PTE. LTD. ("Syfe"). In return for introducing clients to Endowus and Syfe, Finmo receives a revenue share. Endowus is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") (CMS License 101051) and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Syfe is regulated by the Monetary Authority of Singapore and holds Capital Markets Services Licence No. CMS100837. The full suite of investment options (including Fixed Income, Equities, Multi-Asset and Alternative Investment Funds) may also available to you through Endowus. By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo Tech Pte Ltd. Assets safely held with UOB Kay Hian Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of Asia's largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets. \*Not guaranteed. Projected yields calculated as of 7 October 2025. Yields are net of Fund-level fee and Endowus fee. ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/working-capital-optimisation/yield#) Reject AllAccept All ## Finmo Privacy Policy # Privacy Policy Last updated: December 17, 2025 Contents - [Scope](https://www.finmo.net/hk/privacy-policy#scope) - [Personal Data](https://www.finmo.net/hk/privacy-policy#personal-data) - [Collection, use and disclosure of personal data](https://www.finmo.net/hk/privacy-policy#collection-use-and-disclosure-of-personal-data) - [Cookies](https://www.finmo.net/hk/privacy-policy#cookies) - [Information from Third-Party Sources](https://www.finmo.net/hk/privacy-policy#information-from-third-party-sources) - [Retention of Customer Personal Data](https://www.finmo.net/hk/privacy-policy#retention-of-customer-personal-data) - [Protection of Customer Personal Data](https://www.finmo.net/hk/privacy-policy#protection-of-customer-personal-data) - [Access and Correction of Customer Personal Data](https://www.finmo.net/hk/privacy-policy#access-and-correction-of-customer-personal-data) - [Links to other websites](https://www.finmo.net/hk/privacy-policy#links-to-other-websites) - [Transfer of customer personal data outside of Singapore](https://www.finmo.net/hk/privacy-policy#transfer-of-customer-personal-data-outside-of-singapore) - [Consent and withdrawal of consent](https://www.finmo.net/hk/privacy-policy#consent-and-withdrawal-of-consent) - [Data subject rights](https://www.finmo.net/hk/privacy-policy#data-subject-rights) - [Data breach communication](https://www.finmo.net/hk/privacy-policy#data-breach-communication) - [Data protection officer](https://www.finmo.net/hk/privacy-policy#data-protection-officer) - [Changes to policy](https://www.finmo.net/hk/privacy-policy#changes-to-policy) This privacy policy sets out the basis on which Finmo and its group of companies around the world stated below (collectively known as “Finmo”) may collect, use, disclose or otherwise process personal data relating to you in accordance with the Personal Data Protection Act (PDPA): a. Finmo Tech Pte Ltd b. Paynow Technology Pty Ltd c. Finmo LLC d. Finmotech Canada Inc We use the information we collect about you to maximize the services that we provide to you. We respect the privacy and confidentiality of the information provided by you and adhere to the International Privacy Principles in markets we operate. Please read our Policy below carefully. ## Scope This Policy applies to personal data in the possession or under the control of Finmo, including any organization that Finmo may engage to collect, use, disclose or process personal data for the purposes of Finmo. ### Limited Applicability Finmo is currently not established in the EU region and do not offer goods or services to, or monitor the behavior of, individuals in this jurisdiction. We do not have EU employees, vendors, or customers. On this basis, the GDPR generally does not apply to our current processing activities. ## Personal Data 1. Personal data defined under the PDPA refers to: a. Data about an individual who can be identified from that data, or b. From that data and other information to which the organization has or is likely to have access. 2. PII Scope: a. Finmo primarily collect personal data of employees and minimal personal data of end users. We act as independent controllers for personal information we collect about our employees and job applicants for HR and corporate administration. 3. "Customer Personal Data" means any personal data which you disclose to Finmo. If you are an individual user of the services and/or products of Finmo, personal data which we may collect includes your: a. Name (including any alias used by you); b. Gender; c. Date of birth; d. Nationality; e. Country of residence; f. Identification number (including passport number); g. Tax residency; h. Proof of identity; i. Proof of residence; j. Employment information; k. Financial information; l. Transaction information; m. Proof of source of funds. n. IP address; o. MAC address; 4. If you are a corporate user of the services and/or products of Finmo, Customer Personal Data which we may collect from your directors, shareholders, beneficial owners, employees and any other individual authorized to act on your behalf (each known as a "Data Subject") includes such information as listed in paragraph 2 above in relation to each Data Subject. 5. Our services are not directed to persons under 18 and we do not knowingly collect Personal Data from anyone under 18. If we become aware that a child under 18 has provided us with Personal Data, we will delete that information as quickly as possible. If you are the parent or guardian of a child and you believe they have provided us with Personal Data without your consent, then please contact us immediately. ## Collection, use and disclosure of personal data 1. Customer Personal Data will be collected and used by the Finmo for any one or more of the following purposes: 01. to assess and evaluate your eligibility for registering an account with Finmo; 02. to manage the relationship between you and Finmo; 03. to enable Finmo to perform its obligations under or in connection with the provision of services and/or products to you; 04. to maintain legal and regulatory compliance in the jurisdictions in which Finmo operates; 05. to enforce the terms and conditions of any agreement between you and Finmo (including this Policy); 06. to enable Finmo to improve its services and/or products and marketing and customer relationships; 07. to send you updates on the services and/or products of Finmo, benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo; 08. where required under any applicable laws; 09. where required under any order of court from a court of competent jurisdiction; 10. for such purposes to which you have given your consent in writing (collectively the "Purposes") 2. Using your personal information for direct marketing. From time to time, and in support of our future development of our services, we may use your personal information to contact you to promote and market our Services, including benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo. You can opt-out from being contacted for direct marketing purposes by contacting us or by using the unsubscribe facility included in each direct marketing communication we send. Once we receive a request to opt out from receiving marketing information, we will stop sending such information within a reasonable amount of time. 3. Unless otherwise permitted or required under the PDPA or any other applicable laws, Finmo generally collects Customer Personal Data in the course of or in connection with the registration of an account and/or sub-account(s) with Finmo and only after you have: 1. been notified of the Purposes; and 2. provided Finmo with your written consent to the collection, use and disclosure of Customer Personal Data for the Purposes. 4. You acknowledge and agree that any Customer Personal Data provided to us (whether electronically or otherwise): 1. is done knowingly and voluntarily by you; 2. is complete, true and accurate in all respects; and 3. does not omit anything that affects or is likely to affect the meaning or significance of such personal data in any respect. 5. In order to ensure that Customer Personal Data is complete, true and accurate in all respects, you acknowledge and agree that it is your sole responsibility to update Finmo within reasonable time if there are any changes to such Customer Personal Data by informing the data protection officer of the Finmo in writing or via email at the contact details provided below in this Policy. 6. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the disclosure such personal data relating to them to Finmo and for Finmo to collect, use and disclose such personal data for the Purposes. 7. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 5 above. 8. You agree that Finmo may disclose Customer Personal Data to: 1. any governmental agency or regulatory authority of any jurisdiction properly exercising its powers; 2. professional advisers of the Finmo; 3. parties providing services and/or products to Finmo (including information technology services, know-your-client and anti-money laundering compliance services providers); 4. relevant group of companies around the world related to Finmo; 5. entities that Finmo is in discussions with for a merger or an acquisition of the Finmo by such other entities; 6. entities that acquire the assets of Finmo pursuant to any applicable law; 7. entities pursuant to any order of court from a court of competent jurisdiction 9. You acknowledge and agree that Finmo may continue to use and disclose Customer Personal Data for a reasonable period following the termination of the relationship between you and the Finmo for any one or more of the following purposes a. to allow Finmo to fulfill its outstanding obligations to you under any agreement between you and Finmo, if any; b. to allow Finmo to enforce its rights under any agreement between you and Finmo, if any; c. For such purposes to which you have given your consent in writing; d. where required under any applicable laws; e. where required under any order of court from a court of competent jurisdiction. ## Cookies 1. A cookie is a small file placed in your web browser that collects information about your web browsing behavior. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any Personal Data (e.g. name, address, email address or telephone number). Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. This may, however, prevent you from taking full advantage of our website. 2. Our website uses cookies to analyze website traffic, provide social media sharing and liking functionality and help us provide a better website visitor experience. In addition, cookies and pixels may be used to serve relevant ads to website visitors through third party services such as Google Adwords and Facebook Adverts. These ads may appear on this website or other websites you visit. ## Information from Third-Party Sources 1. From time to time, Finmo may obtain information about you and/or your Data Subject(s) from third-party sources as required or permitted by applicable laws, including from: 1. public databases; 2. credit bureaus; 3. ID verification partners; and 4. social media platforms. 2. ID verification partners may use a combination of government records and publicly available information about you to verify your identity, including the following information relating to you: 1. name; 2. address; 3. employment information; 4. public employment profile (where applicable); 5. credit history; and 6. status on sanctions lists maintained by public authorities (where applicable) 3. Finmo obtains such information from third-party sources to comply with its legal obligations, including applicable anti-money laundering laws and to ensure that the services and/or products of Finmo are not used fraudulently or for other illicit activities. ## Retention of Customer Personal Data 1. Subject to any applicable laws, Finmo may retain Customer Personal Data for as long as it is necessary to fulfill the Purposes or in accordance with paragraph 8 under “Collection, Use and Disclosure of Personal Data” section above (as the case may be). 2. Finmo shall cease to retain Customer Personal Data or otherwise remove the means by which such Customer Personal Data can be associated with Data Subjects as soon as, in the opinion of Finmo, it is reasonable to assume that such retention no longer services the purposes for which the Customer Personal Data was collected and is no longer necessary for the Purposes. ## Protection of Customer Personal Data 1. To safeguard Customer Personal Data from unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks, Finmo has introduced appropriate administrative, physical, and technical measures (including up-to-date antivirus protection, encryption, and use of privacy filters) to secure all storage and transmission of Customer Personal Data by Finmo. 2. Any disclosure of Customer Personal Data (whether internally or otherwise) will only be carried out on a need-to-know basis. 3. You acknowledge and agree that no method of transmission over the internet or method of electronic storage is completely secure and Finmo makes no representation and/or warranty (whether express or implied) that there will be no unauthorized: 1. access to the Customer Personal Data; 2. copying of the Customer Personal Data; and/or 3. disposal of the Customer Personal Data. 4. You agree that, save for any willful default or fraud on the part of Finmo or its directors, officers, employees, representatives, and/or agents (each a "Relevant Person"), no Relevant Person shall be liable to you for any losses, liabilities, damages, costs and/or expenses (including any direct, indirect, incidental, special, consequential, or punitive damages or economic loss or any claims for loss of profits or loss of use) arising from or in connection with this Policy. ## Access and Correction of Customer Personal Data 1. You may make any one or more of the following requests in writing or via email to our data protection officer at the contact details provided below: 1. An access request for access to a copy of the Customer Personal Data or information on the ways in which we use or disclose the Customer Personal Data; 2. Please note that depending on the request that is being made, Finmo may only need to provide you with access to the Customer Personal Data contained in the documents requested, and not to the entire documents themselves, in which case it may be appropriate for Finmo to instead provide you with a confirmation of the Customer Personal Data that our organization has on record if the record of the Customer Personal Data forms a negligible part of the document. 3. Where Finmo is unable to comply with any request under paragraph 1 and 2 of the section above, Finmo shall inform you of the reason(s) for being unable to do so. ## Links to other websites This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website. ## Transfer of customer personal data outside of Singapore 1. In the event that Finmo and/or its services providers store, transfer, or otherwise process Customer Personal Data outside of Singapore, Finmo shall take steps to ensure that the Customer Personal Data continues to receive a standard of protection that is at least comparable to that provided under the PDPA. 2. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the transfer of personal data relating to such individual outside of Singapore. 3. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 2 of the section above. 4. Finmo does not transfer EU personal data as we do not process or handle any EU-sourced personal data. ## Consent and withdrawal of consent 1. In providing any Customer Personal Data, you acknowledge and agree that you have read, understood and agreed to this Policy and consent to the use, disclosure, and/or processing of the Customer Personal Data for the Purposes ("Consent"). 2. Your Consent shall remain valid until such time as withdrawn by you in writing or subjected to the relevant paragraphs located under the section on“Retention of Customer Personal Data” above, following the termination of the relationship between you and Finmo. 3. You may withdraw your Consent (whether in part or in whole) at any time in writing or via email to the data protection officer of Finmo at the details below ("Withdrawal Request"). **Please note that withdrawing your consent will only stop processing that is based on consent. Where we are legally required to keep and use certain personal data — for example to meet payment services, AML/CFT, regulatory, or audit requirements — we will continue to retain and process that data for those purposes and for the legally required retention period.** 4. Upon receipt of a Withdrawal Request, Finmo will inform you of the likely consequences of withdrawing your Consent (whether in part or in whole) and Finmo will cease collecting, using, or disclosing Customer Personal Data save in accordance with this Policy. ## Data subject rights As a user, you have the following rights regarding your personal data: 1. Right to access – You have the right to request a copy of your personal data held by Our Company. 2. Right to modify – You have the right to request corrections to any inaccurate or incomplete data. 3. Right to erase – You may request the deletion of your personal data under certain conditions. 4. Right to restrict – You can request the restriction of processing your personal data in certain situations. 5. Right to object – You have the right to object to the processing of your personal data under specific circumstances. 6. Right to withdraw consent – You have the right to withdraw your consent for processing your data at any time. 7. Right to know – You have the right to be informed about how your personal data is being used. ## Data breach communication 1. In the event of a data breach involving your personal information, we follow a strict protocol to promptly investigate, contain, and address the incident. We will assess the nature and scope of the breach and take necessary corrective actions. 2. Any detected data breach will be reported to relevant authorities and affected individuals within 72 hours of its identification, in compliance with applicable data protection regulations. 3. For any concerns or to report a suspected data breach, please contact our Data Protection Officer as outlined in the “Data Protection Officer” section of this policy ## Data protection officer Finmo has appointed a Data Protection Officer (“DPO”) to oversee compliance with applicable data protection and privacy laws and to act as a central point of accountability for data protection matters. **Contact Information:** - Data Protection Officer: info@finmo.net **Roles and Responsibilities:** - Advising Finmo on its obligations under applicable data protection and privacy regulations and monitoring ongoing compliance. - Overseeing the establishment, implementation, and maintenance of data protection policies, standards, and internal controls. - Providing guidance on data protection risk management, including reviewing data processing activities and supporting privacy impact assessments where required. - Acting as the primary point of contact for individuals regarding the exercise of their data protection rights and privacy-related enquiries. - Liaising with supervisory and regulatory authorities on matters relating to data protection and privacy compliance. - Supporting the management and assessment of personal data breaches, including coordination of investigations, mitigation actions, and regulatory notifications. - Promoting data protection awareness across Finmo through internal guidance, training initiatives, and best practice recommendations. ## Changes to policy 1. This Policy applies in conjunction with any other notices, contractual clauses, and consent clauses that apply in relation to the collection, use, and disclosure of Customer Personal Data by Finmo. 2. Finmo may revise this Policy from time to time without any prior notice and you acknowledge and agree that it is your sole responsibility to keep up to date with any revisions to this Policy. 3. Your continued use of any service and/or product provided by Finmo shall constitute your acknowledgement and acceptance of any revisions to this Policy. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Payee Verification Solutions Confirmation of Payee # Stop misdirected payments Finmo’s Confirmation of Payee (CoP) verifies beneficiary account ownership through real-time individual and business account verification. Instantly validate payee names against bank records, reduce failed payments, and protect your business from fraud, all without slowing down operations. Built for modern finance teams managing global payouts at scale. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F410b4ee289257503e8e22c76582481afb3da9319-1641x2025.webp&w=3840&q=100) How it works ## Validate beneficiaries in seconds Finmo connects to a global network of banking partners to confirm account ownership before payouts are initiated. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d685ff2259917390c9e916da8947220eee3e5d6a-1344x604.svg) Submit payee details Whether you're onboarding a beneficiary or processing a payout, Finmo verifies accounts instantly with just a name, bank, and account number. Verify instantly Finmo connects to a global network of banks and payment service providers to validate the data. Review & proceed Receive per-payee verification results instantly and choose to proceed with the transaction or review details before authorizing the payment. Core capabilities ## Intelligent controls built into every payout Real-time validation Verify before you send Cross-check payee details against global banking networks instantly. Ensure the account holder name matches submitted data before funds are released, eliminating guesswork and reducing fraud exposure. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0363edb60c21399d0f7c8aa3ae5283c7235ad7a3-1094x1312.webp&w=3840&q=100) Intelligent name matching AI-powered matching Receive real-time match outcomes including exact match, partial match, or no match. Identify minor spelling errors, incorrect entities, or mismatched beneficiaries, while staying compliant with regional regulations. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb3945f6135d6c7db1876af79bb96ff2d50ec17e-1641x1968.webp&w=3840&q=100) Seamless experience Frictionless & invisible to payees Verification is fast, automatic, and invisible to your payees. Enjoy the confidence of secure payments combined with a frictionless process that your payees won’t even notice. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e355bec034662fbd6b695fd4a2c31cf37dde20d-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0363edb60c21399d0f7c8aa3ae5283c7235ad7a3-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb3945f6135d6c7db1876af79bb96ff2d50ec17e-1641x1968.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e355bec034662fbd6b695fd4a2c31cf37dde20d-1094x1312.webp&w=3840&q=100) Operational Impact ## Optimised payment flows Operational resilience Reduce failed payments With 10–15% of payments failing due to incorrect account details, automated validation ensures errors are detected in real time, reducing manual errors and streamlining your workflow. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa43534e277959c9e6e5060bfdd7a8a5b83dea696-1094x1312.webp&w=3840&q=100) Cash flow velocity Settle faster Validated payees ensure fewer disruptions in your payment process, keeping your cash flow predictable and transactions completed on time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) Instant payee confirmation Eliminate penny drops Finmo replaces test deposits with instant, behind the scenes verification, saving you time and securing every payout. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb13ae351c674ecb0d7ebabefd780bcd97c32cee-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa43534e277959c9e6e5060bfdd7a8a5b83dea696-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb13ae351c674ecb0d7ebabefd780bcd97c32cee-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc267ddb971dbe06e0748b120b79c89929a065505-1094x1312.webp&w=3840&q=100) High-Volume Payouts ## Bulk Verify in Seconds Easily upload your complete payout list and let the system instantly verify every recipient in one go. Add custom overrides directly in your file based on verification results, giving you full control over how each payment gets processed. Designed for payroll runs, marketplace payouts, and large supplier batches. Global Coverage ## Confirmation of Payee available across key markets - ![Australia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F972903dd27ca0640721b2377f47727cf5b70cd4e-248x248.png&w=3840&q=100) Australia ![Argentenia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b892e45900061c90038f1671e11d0db2411c2ca-248x248.png&w=3840&q=100) Argentenia ![Bangladesh](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd71e6e1b47444c88127a2b7c4bb3fbd475b8996-248x248.png&w=3840&q=100) Bangladesh ![Belgium](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8efd5e8734845f8758a2136ddac4fc65145bac22-248x248.png&w=3840&q=100) Belgium ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![France](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1805eefbde5f5f67525e0d18f155485fe68a344e-248x248.png&w=3840&q=100) France ![Korea](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc8dd5bec1379d1315d4887acbe2cd8d227cfa212-248x248.png&w=3840&q=100) Korea ![Indonesia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd21d2cb198f9fb650665bcf81fa333e05a1e8d6b-248x248.png&w=3840&q=100) Indonesia ![Nigeria](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9bb7e1b2ee25de73f4455caf2409111d52b26c70-248x248.png&w=3840&q=100) Nigeria ![Nepal](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F81fceeffd7ba23f1d35dda720a44db975d4ce7f8-248x248.png&w=3840&q=100) Nepal ![Uganda](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0ba8121343eb357beb57caa40c37a40c8be35273-248x248.png&w=3840&q=100) Uganda ![Vietnam](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd6086e5298ae9dc9dd1436d3338f43cf9491eec2-248x248.png&w=3840&q=100) Vietnam ![Malaysia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff6072ff4850a7c1141a38f7d5159d7f46cc78dc4-248x248.png&w=3840&q=100) Malaysia ![Uruguay](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb994ab270f79570249309ee78b6b67cb0516e806-248x248.png&w=3840&q=100) Uruguay ![Peru](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8562784137e83fb389372b460e01724922a59161-248x248.png&w=3840&q=100) Peru ![Turkey](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdf970baa1d897294ec4f24016380044bfcff83d4-248x248.png&w=3840&q=100) Turkey ![Italy](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdeec567f98980300797dc5d3289e6f9feea893b4-248x248.png&w=3840&q=100) Italy ![Netherlands](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F42a951d63f3cae076aadc263b8170ffba5bc7382-248x248.png&w=3840&q=100) Netherlands ![Poland](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5d0d52d6cb9865354cfb186dce95fa42635669ac-248x248.png&w=3840&q=100) Poland ![Europe](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8a08807a6fa49c9cedb371c067dd9cae98e24852-248x248.png&w=3840&q=100) Europe FAQs Frequently asked questions What is Payee Verification? Payee verification is a security control that checks whether the name entered matches the actual bank account holder’s name before a payout is sent. Also known as Confirmation of Payee (CoP) or Verification of Payee, it helps prevent fraud, misdirected funds, and payment failures by confirming the recipient’s identity upfront. How does it work in real-time? When you enter a payee’s bank account details, the information is securely transmitted via API to Finmo’s banking partner network. The submitted name is compared against available bank records, and a verification outcome is returned instantly. Possible outcomes include: Match, Partial Match, No Match, Matching Failed. Finance teams can then review the result before authorising the payout. Will this slow down the payouts? No, verification takes place before the payout is initiated and happens in real time. It adds no friction or delay to the payment process. Instead, it prevents failed transactions and misdirected funds, reducing rework and operational disruption. ## Contact us Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get in touch](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/product/payments/local-and-cross-border-payments/confirmation-of-payee#) Reject AllAccept All ## Global Multi-Currency Account Global multi currency account # Collect like a local Receive international business payments, hold multiple currencies and execute cross-border transfers from a single global business account. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F43ac5abe2f5a19f041accf4da605f7cae9589db0-1200x1350.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/9f6f318be69d5714c1a99f5b2ceb7f15fc0392fe-547x656.svg) Receive international business payments ## Customer-first collections Collect payments from customers in 40+ currencies using local account details and trusted global payment networks. Your global currency account lets you invoice payments worldwide and receive funds directly into named business accounts, without relying solely on correspondent banking routes. ![](https://cdn.sanity.io/images/3m8qrzh6/production/3760cfae9af04cf3ffc02a26f9937a4ddd22b313-547x656.svg) Multi currency balances ## Hold multiple currencies in one business account Collect, hold and manage multiple currencies within a single multi currency business account. Maintain real-time visibility of balances, transactions and cross-border transfers through your Finmo Connected Dashboard. Ways to collect ## Flexible ways to receive international business payments Offer customers multiple ways to pay while collecting funds directly into your global multi currency business account. However you choose to collect, it's smooth and simple for your customer, and you. [Checkout](https://www.finmo.net/product/payments/global-multi-currency-account#checkout) [Subscription Payments](https://www.finmo.net/product/payments/global-multi-currency-account#subscription-payments) [Direct Debits](https://www.finmo.net/product/payments/global-multi-currency-account#direct-debits) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40d265ee66b3fa175e446af568b369dae8da8536-1094x1312.webp&w=3840&q=100) Checkout ## Frictionless and flexible checkouts Create branded checkout experiences that feel like part of your store. Drive high conversions with payment options that adapt to different local payment preferences and smooth customer-focused UX that scales for repeat purchases. Offer fast conversion-focused customer flows—optimised for mobile Secure authorisation with built-in SCA tokenisation and fraud protection Integrate new payment methods which dynamically adapt to local preferences Hosted Checkout Launch payment pages instantly Create branded checkout pages instantly with no coding and no website needed. Accept payments in multiple currencies across different channels using one-off, or reusable, QR codes and payment links. ![](https://cdn.sanity.io/images/3m8qrzh6/production/dad26694588b4adc8edd154a3c445e18f850e481-547x360.svg) Embedded Checkout Embed payments directly into your platform Integrate checkout directly into your website or product for a fully branded international payments experience. Support multi currency pricing and local payment methods within a secure, responsive environment. ![](https://cdn.sanity.io/images/3m8qrzh6/production/2468737a7e3d38cba71bcf009d41541e7ce0ad07-547x360.svg) Subscription payments ## Simple off‑plan subscription payments Manage the complete customer collection lifecycle for regular or recurring subscription payments – across multiple countries. Offer flexible fixed-price or usage-based plans with multiple payment options – including cards, wallets, and bank transfers. And maintain full control over billing frequency and duration. Apply plans across multiple customers – ideal for recurring services or SaaS-style billing. Automate retries and cancellations – failed payments are automatically retried, and customers can cancel anytime. Stay informed with webhooks and notifications – for payment successes, failures, or cancellations. Direct debits ## Accept cross‑border direct debits payments Support direct debit payments into your foreign currency account across 180+ countries. Let customers easily set up and make regular payments with their local card – without you incurring expensive conversion costs. ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions How can we receive international business payments at scale? Finmo enables businesses to receive international payments at scale through a single global multi currency account. You can collect in local currencies across supported markets, consolidate funds centrally and manage cross-border transfers without opening multiple bank accounts. Can we collect and hold multiple currencies in Finmo's multi-currency business account? Yes. Finmo’s multi currency business account allows you to collect and hold multiple currencies within a single global currency account. Funds can be retained in their original currency and converted only when needed. What is the best way to centralise global collections across markets? The most efficient way to centralise global collections is through a unified global payments solution that supports local payment methods, multi-currency balances and cross-border transfers within one platform. Finmo consolidates international collections, FX management and outbound payments into a single infrastructure. How do we reduce FX costs and conversion friction when collecting internationally? Finmo allows you to receive funds in local currencies and hold balances without immediate conversion. By reducing forced FX and routing payments through local rails where available, businesses can lower cross-border transfer costs and improve margin control. Is a Finmo's global multi currency account secure and regulated? Finmo is regulated in seven markets, and client funds are safeguarded in accordance with applicable regulatory requirements. Funds are held separately with trusted financial institution partners and are never used for operational purposes, ensuring secure and compliant international collections. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/payments/global-multi-currency-account#) Reject AllAccept All ## Startup Finance Solutions ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for Startup CFOs & Founders # Your startup moves fast. Your finances should keep up. Stop switching between bank portals, spreadsheets, and payment tools. Connect your accounts, see your global cash position instantly, forecast runway in real time, and activate global payments when you're ready. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffbb5d93be5b37fd6c319f87240f0b7b9a6d10c77-5356x2780.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F21fd29f5c120e42607fa77c0052e516433b8c153-410x260.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/2f118368c2adf1c4eb7169c577dee68079ed705d-547x656.svg) Startup finance reality ## Stop running your startup on financial guesswork Most early-stage teams manage finances across disconnected tools. • Bank balances in multiple portals • Forecasts buried in spreadsheets • Payments handled in yet another system When every answer requires manual work, you lose the one thing startups can’t afford to waste: time. Finmo brings your financial data together so you always know where your cash sits, how long your runway lasts, and what decisions you can safely make next. How modern startups operate finance ## From visibility to global payments Start with cash clarity. Scale into automation. Activate global payments when you're ready. Connect your financial ecosystem Smash the silos Connect bank accounts, payment systems, accounting software, and ERPs for an always-on, automatically synced financial view, across every entity and currency. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F692f4c20519128f530db01bc3e0ccb614d669062-2188x1188.png&w=3840&q=100) Cash visibility See your global cash position instantly Get a consolidated view of balances, receivables, and transactions in one dashboard. Track cash in real time and forecast flow with complete clarity. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F097dd58a47a6ab4a7fe9b8035cd100c4f14d86a8-2188x1427.png&w=3840&q=100) Cash forecasting Plan 13 weeks ahead Generate rolling 13-week cash forecasts with scenario simulations. Model burn, revenue shifts, and FX impact before making critical decisions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4032418596ec7c5fdef2f1adf342c8f77c0a14cc-2188x1188.png&w=3840&q=100) Global payments, simplified Simplify global payments Collect in 30+ currencies, manage FX seamlessly, and pay out to 180+ countries from one unified platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff67f1c604e7605ee97cf21fd39979362d02ead71-2184x1324.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by scaling startups ## What businesses are saying about Finmo High-growth companies rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/71ca29ee37acb2a6b28a8c311b486301c376db52-1094x1312.svg) Security & compliance ## Enterprise-grade infrastructure for startups As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates your dashboard. No manual reconciliation. No gap between what moved and what your numbers show. Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Reclaim financial control today [Get started for free](https://dashboard.finmo.net/signup) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/startups#) Reject AllAccept All ## Connected Financial Dashboard Connected dashboard # Financial command
and control Connect all your bank accounts, ERPs and accounting software to create one powerful financial command centre. Watch demo ![](https://cdn.sanity.io/images/3m8qrzh6/production/a7db5c4a30bb77b72fadc1545cbb9be7298ff8d9-600x675.svg) 2000+ Bank Integrations Licensed in 8 jurisdictions Collect in 30+ currencies, pay to 180+ countries SOC 2 Type 2 · PCI DSS · ISO 27001 Forbes 100 to Watch, CB Insights, SME500 singapore award winner Connected dashboard ## One dashboard
to do it all No more logging into multiple accounts, softwares and spreadsheets. From checking balances to making payments to managing FX – see and do it all in one dashboard. API Integrations Smash the silos Get fragmented systems – even across different entities – speaking to each other. Connect bank accounts, payment systems, accounting software and ERPs for one always-on, automatically-synced view. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5b9f83c5ba6b3c1b3ba449e7236cefc49679d63b-547x310.svg) Realtime data sync Unite your data No more fetching, cleaning and reconciling numbers. With all your systems integrated, disparate financial data becomes connected and contextual real-time intelligence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d37c96b4868c98e8a4e578bd73ec3762eb8992e1-547x310.svg) Cash visibility See the big picture Get a complete view of your balances, receivables, and transactions. Track and forecast cashflow confidently with consolidated cash visibility in one dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3028f961f4da0c31947fac30202b496d1212e146-1094x1040.webp&w=3840&q=100) AR & AP Automations Automate the grind Replace manual invoicing and payments with intelligent workflows that streamline and automate AR / AP, and reconcile it with your accounting systems. ![](https://cdn.sanity.io/images/3m8qrzh6/production/89aae6c74a2dee39eb1c049019a4489faaa19339-547x310.svg) Integrated Payments One-touch transactions Use Finmo’s global payment network to make payments across the world with a single connection. Or make frictionless payments via the Finmo dashboard without having to log into your bank at all. ![](https://cdn.sanity.io/images/3m8qrzh6/production/576559053cdd913c856331d6da709f8d8aa86b30-547x310.svg) FX and investments Optimise for tomorrow Drive future value creation using forecasting and analysis to optimise working capital, reduce FX risk and invest surplus cash. ![](https://cdn.sanity.io/images/3m8qrzh6/production/012ae728e6ab2150c568bae57434165372b3dfc3-547x310.svg) AI co-pilot Need-to-know? Ask MO. Find answers fast with MO AI, our specialist fin-ops co-pilot. Ask questions, get insights, make forecasts and take action using text or with simple voice-based requests. ![](https://cdn.sanity.io/images/3m8qrzh6/production/c735e297f517049c016c53e1331ad023b8a51781-547x310.svg) Easy API integrations ## Connect everything everywhere Forget old-fashioned treasury systems with labour-intensive custom integrations – Finmo works with any finance stack. Smoothly connect banks, accounting systems, and ERP softwares via our easy-to-use APIs with minimal implementation time. For founders Banks and Payment Systems integration Connect your existing accounts via API or manual upload to get a consolidated view across every bank account and payment system at a group or entity level. Key features All Accounts in One View: Aggregate balances and transactions across banks and payment systems without switching between portals. Flexible Views: Switch between a consolidated company-wide view or drill down to individual accounts. Multi-Currency Visibility: Track balances in local currencies or view everything in a single display currency. Granular Control: Decide which accounts to sync and monitor. ERP & Accounting Software integration Connect directly with your ERP and accounting software to keep cash data and payments in sync in real time. No more manual uploads or delays. Key features Seamless Data Exchange: Instantly share data between your ERP/accounting systems and Finmo. Receivables Management: Automatically pull open supplier invoices into Finmo for payment scheduling. Automated Payments: Approve and send supplier payments at maturity directly from Finmo. Reconciliation Made Easy: Post cleared items back into your ERP for faster, cleaner reconciliation. ## Make the invisible, visible Get real time visibility of your payables, receivables and cash position. [Cash visibility](https://www.finmo.net/product/cash-visibility) ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/connected-financial-dashboard-backup#) Reject AllAccept All ## FX Management Platform For importers & exporters # Know what FX is costing you before you pay Your bank won't show you how much you're losing on every supplier payment. Connect your accounts, see exactly what FX is costing you, and act before your margin leaks. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc20b79b58c253a09e69cfcdde356232325c6f137-5356x2820.png&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Gain full financial control with one platform ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbf7471cf119df2a62cf1d4015a7918987529767a-5360x3020.webp&w=3840&q=100) Manage FX risk ## See your FX exposure & protect your margins Connect all your business bank accounts and map every outgoing payment to its currency exposure. See what you owe, when it's due, and what FX is costing you in real time. Multi-bank visibility DBS, HSBC, OCBC, ANZ, and all major banks in one view, updated in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd55e76fffa3c9f35dfbf5618fb2b54f4e348a61f-2188x1188.png&w=3840&q=100) 13-week cash forecast Rolling forecast of inflows and outflows by currency, tied to your actual bank data – not spreadsheet guesswork. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F550a9b524c90aee53a625b8bec76852bce0d9638-2188x1188.png&w=3840&q=100) FX exposure by supplier See which invoices carry currency risk and how rates have moved since they were issued. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F43772ff23d8dea0884b48cf989d5a2de247741dd-2184x1324.png&w=3840&q=100) Pay suppliers in 180+ countries Get the most competitive FX rates via institutional liquidity with no hidden bank spreads. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F90f42f60ef816224920b304f8527c5af64de9de7-2184x1324.png&w=3840&q=100) Xero sync Payments flow straight into your books, with no need for manual reconciliation, ever. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdeefdeb5f39a008ee73d5257708a0344cc44cd70-2184x1324.png&w=3840&q=100) Full control of global trade finance ## Control every stage of global trade finance Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your exposure Map your open payables to currencies and see your total FX exposure in real time – by supplier, currency, and due date. Forecast your cash Perform a rolling 13-week forecast built from your real-time bank data so you can see what you need, when, and in which currency. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Pay when you're ready Execute supplier payments at competitive rates from the same platform.
Straight into your accounting software [Take control now](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Enterprise-grade security & compliance ## Trusted by global importers & exporters Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo Companies trading globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay Limited-time offer ## Get US$555 in transaction fee credits Activate payments and complete your first transaction within 4 weeks to receive US$555 in transaction fee credits. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). ## See what FX is really costing you Connect your financial ecosystem in minutes, for free. No KYB required. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/draft-copy/get-started/import-export#) Reject AllAccept All ## Treasury Solutions for Banks Finmo for FIs & Banks # Global cash and liquidity management for financial institutions Deliver advanced treasury and payment capabilities for financial institutions through a secure, API-first, white-label treasury management platform. Power your clients with real-time visibility, cross-border payments, liquidity optimisation, and FX management without complex infrastructure builds. [Book meeting](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7f722a8fe2a571a78001405779e63fe016501e7c-2688x1316.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F731690927bf6c12f10d0bad51f1d7cb8cb41ee02-1094x1312.webp&w=3840&q=100) Why Finmo for Financial Institutions? ## Connected financial intelligence and control Finmo provides API treasury solutions for banks looking to modernise banks treasury management without replacing core systems. Our white label treasury management platform enables financial institutions to embed global cash and liquidity management, payments, forecasting, and FX capabilities directly into their digital channels - fast, secure, and scalable. Modular infrastructure ## A proven white‑label treasury platform Use our existing infrastructure to deploy a complete enterprise-level white-label treasury management platform from a single API integration and bypass years of development time. Or, enhance your existing experience using individual products from our modular stack. Connected dashboard Unify bank accounts, ERPs and accounting software, via pre-built integrations – to create one financial command centre. [More](https://www.finmo.net/product/connected-financial-dashboard) Cash visibility Connect financial data across banks and softwares to get real-time visibility of cashflow. [More](https://www.finmo.net/product/cash-visibility) Payments Enable cross-border treasury and payment capabilities for financial institutions. Collect and pay globally with embedded FX. [More](https://www.finmo.net/product/payments) AR/AP automation Streamline receivables and payables with integrated workflows within your white label treasury management platform. [More](https://www.finmo.net/product/ap-ar-automation) Cash forecasting Forecast faster and further with granular analysis and dynamic modelling of future cash positions. [More](https://www.finmo.net/product/cash-flow-forecasting) Working capital optimization Optimize working capital with smarter FX hedging to reduce risk, and safe, no lock-in investments. [More](https://www.finmo.net/product/working-capital-optimisation) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F09caafbd682383ee8a80e8ae6bf1db8d46555fc1-1094x1312.webp&w=3840&q=100) Customer retention ## Keep customers on side Integrated white-label treasury management and payment capabilities are becoming mission-critical for modern CFOs and finance teams. By embedding global cash and liquidity management into your banks treasury management offering, you can reduce churn and increase additional cross-selling opportunities. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa97704ffb6651ae545efb5bc61a1ff818525a9a7-1094x1312.webp&w=3840&q=100) Revenue opportunities ## Create new revenue streams Depending on the partnership model you choose, Finmo offers a wide potential for new revenue streams ranging from FX conversion and transaction fees, to subscriptions for advanced services or lending short-term working capital. Our models ## Ways to partner with us Choose the right treasury partnership model for your financial institution White-Label treasury platform Finmo’s infrastructure, your brand You control the customer relationship and regulatory compliance. We provide the infrastructure and create a suitable shared revenue model. API integration Add specific modules to your platforms Deliver best in class functionality by embedding treasury modules from our platform including real-time payment capabilities and automated risk management. Co-branded treasury solutions Joint go-to-market, shared branding Partner with Finmo to target businesses that need your financial or banking services, supported by modular treasury capabilities. A shared venture with shared responsibilities. [Let’s talk](https://cfq2o.share-na2.hsforms.com/2JJ_pujjPTmqjhtAW_fBIHg) Future-facing ## Expert support to deliver success Driven by passion and dedicated to innovation, Finmo’s executive team has over 100 years combined experience launching and leading globally recognised fintech, payments, and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F14e57bc8487e4716244a95e64bd9fcd141704f3e-864x1232.webp&w=3840&q=100) Continuous innovation Ongoing product development and clear roadmaps. Dedicated integration teams Collaborative teams combining technical resources from both sides. Performance monitoring Regular business reviews and optimization based on feedback. On-call support Dedicated customer success team with 7-day a week support. ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Data security & segregation ## Control your customer data Our white-label treasury management platform is built on secure, multi-tenant architecture with strict data segregation. Whether deploying full global cash and liquidity management or modular API treasury solutions for banks, customer data remains isolated, compliant, and fully under your institution’s control. ## Discuss a partnership Take 10 minutes to watch our walkthrough. Or get in touch to speak to our partnership team. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) [Watch our walkthrough](https://youtu.be/UW_kbYhvG0g) FAQs Frequently asked questions about embedded finance and banking What is embedded treasury for financial institutions and banks? Embedded treasury is the integration of treasury and payment capabilities directly into a financial institution’s digital platform. It brings together account data, cash positions, payments, and risk information in real time, enabling a unified treasury experience for end clients. This approach supports modern banks’ treasury management by reducing reliance on fragmented systems and multiple external portals. How does Finmo’s white-label treasury platform work for financial institutions and banks? Finmo provides a modular, API-first white label treasury platform that financial institutions and banks can deploy under their own brand. Using a single integration, you can embed selected capabilities—such as connected dashboards, global payments, FX, or liquidity tools—into existing digital channels. This allows institutions to deliver embedded finance functionality while retaining control over the customer relationship and regulatory responsibilities. Should banks build treasury infrastructure in-house or partner with a white-label provider? Banks can build treasury infrastructure internally, but doing so requires significant investment in technology, regulatory oversight, cross-border payments connectivity, and ongoing product development. It often involves multi-year timelines and dedicated specialist teams across treasury, compliance, and engineering. Partnering with a white-label treasury provider allows banks to accelerate time to market by embedding global cash and liquidity management, payments, and FX capabilities through API-first infrastructure. Solutions like Finmo enable financial institutions to deliver modern treasury and payment capabilities under their own brand while retaining customer ownership and regulatory control without the complexity of building from scratch. The right choice depends on strategic priorities: full in-house control with higher execution risk and cost, or faster deployment with scalable infrastructure and reduced operational burden. How does Finmo help safeguard customer and transaction data? Finmo is built with enterprise-grade security controls to protect customer and transaction data. Its multi-tenant architecture ensures strict data segregation between partners, while encrypted data handling, audited APIs, and role-based access controls help maintain security across embedded finance and treasury workflows. This ensures customer data remains firmly under the control of each financial institution. How long does it take to implement a white-label treasury platform? Implementation timelines vary based on scope and internal approvals, but API-first platforms like Finmo are designed for phased deployment. Banks can launch core treasury and payment capabilities first, then expand into liquidity, FX, and forecasting modules enabling structured rollout without disrupting existing infrastructure ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/financial-institutions#) Reject AllAccept All ## Contact Finmo ![](https://cdn.sanity.io/images/3m8qrzh6/production/96cc0ce062aae9dd5bd5d299d0b1d5d7c372035d-24x24.svg) Contact us # See how modern CFOs unlock connected financial intelligence Book a 30-minute walkthrough tailored to your finance stack and growth stage. [Book a Demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F807a896204e3238fd9d7f94db2f5e9496ec11c07-2594x2412.png&w=3840&q=100) ## Our office locations ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1931a04857eb249382c464bdb7eed75b6a799b94-468x468.png&w=3840&q=100) Finmo Tech Pte. Ltd. 209 south bridge road #03-01, Singapore, 058758 ![](https://cdn.sanity.io/images/3m8qrzh6/production/693eefbf94e5133311389282ca6aec3f2299cfd3-28x28.svg) Finmo Tech India Pvt Ltd. 36/3, ITI Layout, Sector 7 HSR Layout, Bengaluru, Karnataka, 560102 ![](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Paynow Technology Pty Ltd. Level 17, Chifley Tower, 2 Chifley Square, Sydney, NSW 2000 Australia ![](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) Paynow Technology Pty Ltd. Level 31, 2-6 Gilmer Terrace, Wellington, 6011, New Zealand ![](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) Finmo LLC 2041 East St PMB 589, Concord, California, 94520, US ![](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Finmotech Canada Inc 7700 Hurontario Street, #503, #2073,Brampton,Ontario,Canada,L6Y 4M3 ![](https://cdn.sanity.io/images/3m8qrzh6/production/b60084b3448cedf575355e6035ac92e3b9affd2b-28x28.svg) FINMO POLAND SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ, POZNAŃ ul. Mlynska, 16 pietro 8, 61-730 Poznan ![](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Finmo HK Limited 10/F of YF Life Tower, 33 Lockhart Rd, Wan Chai ![](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) Finmo UK Group Limited 86-90 Paul Street, London, England, EC2A 4NE ![](https://cdn.sanity.io/images/3m8qrzh6/production/d5aa6f0cd4e74c181cbdaade1f3e9cd010d55571-28x28.svg) Finmo Tech Philippines Inc Unit 1806 Cityland Pasong Tamo Tower, 2210 Chino Roces Ave., Pio del Pilar, City of Makati, Fourth District, National Capital Region (NCR), 1230 ## Not sure if Finmo is right for you? Speak to our team to understand how modern treasury teams are replacing spreadsheets and fragmented tools. [Talk to a treasury specialist](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/contact-us#) Reject AllAccept All ## Finmo Pricing Plans Finmo Pricing ## One platform. Flexible pricing. Full financial control. Choose the modules that matter most to your business today and expand as complexity grows. Finmo’s modular pricing ensures you only pay for what delivers value, while maintaining full visibility and control across accounts, entities, and markets. ## Subscription Overview Designed to support different stages of scale - from getting started
to managing complex, multi-entity operations. Essential Best for small teams getting started with
core cash and payment workflows. Free [Get started](https://dashboard.finmo.net/signup) Plus Designed for finance teams managing higher volumes that need forecasting, reconciliation, and more advanced cash control. $49/mo/user [Get started](https://dashboard.finmo.net/signup) Enterprise Built for organizations managing multiple entities, higher complexity, and bespoke operational requirements. Custom [Talk to our team](https://www.finmo.net/contact-us) Subscription fees are charged per entity for Essential and Plus plans. The Enterprise plan covers all entities within the organization. Fees exclude GST (if applicable) and are separate from transaction-based or payment method fees. # Compare plans Compare plans Essential For startups and growing companies who want to simplify finances Free [Get started](https://dashboard.finmo.net/signup) Plus For mid-sized companies looking to scale and automate mission-critical treasury functions $49/mo/user [Get started](https://dashboard.finmo.net/signup) Enterprise For global enterprises who need full customization Custom [Talk to our team](https://www.finmo.net/contact-us) Cash management Accounts Receivable Management Automated Invoicing Create and send invoices to customers automatically Recurring Invoicing & Auto-Pay Support full subscription billing and auto-pay flows. Payment Tracking Monitor customer payments and identify overdue accounts Customer Communication Send payment reminders and statements to customers Cash Application Automate matching payments to invoices for a clear view of cash Reporting and Analytics Generate reports on receivables aging, payment statuses, and other key metrics. Early Payment Discounts Auto-applies early pay discounts when available – ensure incentives aren't missed. AI-Driven Collections Smart workflows for escalations, follow-ups, and past-due prioritization. Connected Finance Connects with accounting software and other business systems. To be advised Accounts Payable Management Intelligent Invoice Capture Real-time, AI-powered OCR that extracts key data from invoices Multi-payment Methods Pay vendors through various methods, including ACH transfers, cards, wire transfers, etc. Invoice Coding AI auto-coding that predicts and learns from GL history. Customizable Approval Workflow Flexible routing by vendor, amount, department, or code. Purchase Order (PO) Matching Automatically matches invoices against corresponding purchase orders Fraud Monitoring Real-time detection for duplicates and suspicious activity. Connected Finance Connects with accounting software and other business systems. To be advised Invest Endowus\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Syfe\*\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Analytics and Value-Added Features Balance Live balances & transactions from your bank accounts, & gives you a single, up-to-date view of your true cash position Intelligent Upload - Included
Direct API - To be advised Cash Flow Forecasting Generate cash flow forecasts for up to 6 months with predictive modeling. Take control of your liquidity management decisions. 13-week rolling week forecasts Multi-entity Management Real-time performance insights across all your business units. Perform transactions across multiple entities from a single location. Unified Integration Bank Connectivity Gain complete visibility into cash positions across all accounts by securely connecting your bank accounts Intelligent Upload - Included Direct API - To be advised Accounting Software Connectivity Sync payments and automate the posting of journal entries to your general ledger. Accelerate your reconciliation processes. Intelligent Upload - Included Direct API - To be advised Excel The most common tool used by SMEs and MMEs finance teams. Send data to Cash and FX Management Modules. ERP Connectivity Aggregate cash data from your ERP systems for a single view of your cash flow. Generate industry data feeds such as VCF, CDF, MT940, and MT942. Intelligent Upload - Included Direct API - To be advised MO AI Conversation AI Interface Ask natural language questions across cash, payments, FX, and compliance — no training needed. Proprietary Treasury Intelligence Trained on Finmo's unique finance datasets, entity structures, payment flows, and risk patterns for an unmatched financial context. Real-Time Operational Actions Not just insights. MO can trigger payments, generate reports, or set hedging actions directly from chat. Multilingual Support Serve global teams with intelligent support in English, Bahasa, Thai, and more, ensuring relevance across markets. Payments fees ## Payments fees 
(usage‑based) The following fees apply when using Finmo’s payments and money
movement capabilities. These are usage-based and sit outside the
subscription plans above. ### Global Currency Account (GCA) Account Creation Free SWIFT (SHA)\[1\] $25 Prefunding Fee (Top-Up) $0 For USD, AUD, EUR, GBP, SGD Any GCA top up in the above currencies in customer gca wallet or master wallet (event: gca topup) will be charged $0 Whitelisting rule will not be applicable for GCA topup i.e. no matter the sender, we will not charge for the topup FX Rate \[2\] United States Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Australian Dollar (AUD), New Zealand Dollar (NZD), Canadian Dollar (CAD), Swiss Franc (CHF), Norwegian Krone (NOK), and Swedish Krona (SEK), Singapore Dollar (SGD) 0.50% Other Currencies 1.00% Cross-Border Convenience Fee 0.10% For a like-for-like currency cross-border transfer. This is in addition to the SWIFT (SHA) feei.e., AUD-AUD SWIFT payments \[1\] SHA: Both the client (sender) and beneficiary will pay fees to the sending bank. The beneficiary will receive the amount transferred, less the intermediary banks' fees. \[2\] The customer's mark-up/margin will be included as the FX exchange rate used to convert one currency into another. If any currency is not listed, it will be treated as an "other currency" ### Payment Method Fees Cards - Visa, Mastercard (Blended) Domestic 2.6% + $0.30 Per successful transaction International 3.4% + $0.30 Per successful transaction Local Bank Transfer SG: PayNow, FAST, MEPS 0.20% + $0.30 Per successful transaction ID 0.50% + $0.30 Per successful transaction MY: FPX 0.20% + $0.30 Per successful transaction PH 0.50% + $0.30 Per successful transaction TH: Prompt Pay 0.50% + $0.30 Per successful transaction VN 0.50% + $0.30 Per successful transaction AU: PayID 0.20% + $0.30 Per successful transaction NZ: Poli 1.50% + $0.30 Per successful transaction US: ACH, RTP, FEDNOW 0.50% + $0.30 Per successful transaction EU: SEPA 0.50% + $0.30 Per successful transaction Local Digital Wallet ID: GoPay, OVO, LinkAja, ShopeePay, DANA 2.6% + $0.30 Per successful transaction MY\[1\]: Shopeepay, Grabpay, WeChatPay (only MY entities), Touch N Go 2.6% + $0.30 Per successful transaction PH: GCash, Maya, Maya bill pay, Coins.ph, Shopee Pay, Grabpay 2.6% + $0.30 Per successful transaction TH\[2\]: Rabbit Line Pay, True Money 2.6% + $0.30 Per successful transaction VN: Zalopay, Appotapay, VNPT Money, Viettelpay, Shopeepay 2.6% + $0.30 Per successful transaction \[1\] Payout in MYR only to Malaysian entities \[2\] Payin ONLY ### Other Fees Settlement Fee 0.50% Per conversion of a transaction currency into
the settlement currency Refund\[1\] $0.30 + any network charge Per refund request Chargeback\[1\] $20 + any network charge Per chargeback request Bank Account Validation $1.00 Per successful verification API Integration Set Up Fee Varies Early Termination Fee Varies \[1\] Excludes any additional fees or charges imposed by Finmo’s Network Partners. Such charges will be passed on to you by Finmo. \*Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested. Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly. The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate. Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country. \*\*Finmo acts an introducer to licensed financial advisors, including Syfe Pte. Ltd. ("Syfe"). In return for introducing clients to them, Finmo receives a revenue share. Syfe is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Please note that we don't take into account your business's objectives, circumstances or financial needs. Any advice given by us is of a general nature & informational only and is not personal financial product advice (meaning it does not take into account your objectives, financial situation or needs). Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement or other offer document prior to making an investment decision in relation to a financial product (including a decision about whether to acquire or continue to hold). As investments provided by our partners carry risk, before making any investment decision, please consider if it's right for you and seek appropriate taxation and legal advice. All financial products involve risk and you should ensure you understand the risks involved as certain financial products may not be suitable to everyone. Past performance of any product described on this website is not a reliable indication of future performance. ## Try Finmo today Sign up and start exploring our dashboard today, or book a demo to talk things through with our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/pricing#) Reject AllAccept All ## Payee Verification Solutions Confirmation of Payee # Stop misdirected payments Finmo’s Confirmation of Payee (CoP) verifies beneficiary account ownership through real-time individual and business account verification. Instantly validate payee names against bank records, reduce failed payments, and protect your business from fraud, all without slowing down operations. Built for modern finance teams managing global payouts at scale. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F410b4ee289257503e8e22c76582481afb3da9319-1641x2025.webp&w=3840&q=100) How it works ## Validate beneficiaries in seconds Finmo connects to a global network of banking partners to confirm account ownership before payouts are initiated. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d685ff2259917390c9e916da8947220eee3e5d6a-1344x604.svg) Submit payee details Whether you're onboarding a beneficiary or processing a payout, Finmo verifies accounts instantly with just a name, bank, and account number. Verify instantly Finmo connects to a global network of banks and payment service providers to validate the data. Review & proceed Receive per-payee verification results instantly and choose to proceed with the transaction or review details before authorizing the payment. Core capabilities ## Intelligent controls built into every payout Real-time validation Verify before you send Cross-check payee details against global banking networks instantly. Ensure the account holder name matches submitted data before funds are released, eliminating guesswork and reducing fraud exposure. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0363edb60c21399d0f7c8aa3ae5283c7235ad7a3-1094x1312.webp&w=3840&q=100) Intelligent name matching AI-powered matching Receive real-time match outcomes including exact match, partial match, or no match. Identify minor spelling errors, incorrect entities, or mismatched beneficiaries, while staying compliant with regional regulations. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb3945f6135d6c7db1876af79bb96ff2d50ec17e-1641x1968.webp&w=3840&q=100) Seamless experience Frictionless & invisible to payees Verification is fast, automatic, and invisible to your payees. Enjoy the confidence of secure payments combined with a frictionless process that your payees won’t even notice. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e355bec034662fbd6b695fd4a2c31cf37dde20d-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0363edb60c21399d0f7c8aa3ae5283c7235ad7a3-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb3945f6135d6c7db1876af79bb96ff2d50ec17e-1641x1968.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e355bec034662fbd6b695fd4a2c31cf37dde20d-1094x1312.webp&w=3840&q=100) Operational Impact ## Optimised payment flows Operational resilience Reduce failed payments With 10–15% of payments failing due to incorrect account details, automated validation ensures errors are detected in real time, reducing manual errors and streamlining your workflow. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa43534e277959c9e6e5060bfdd7a8a5b83dea696-1094x1312.webp&w=3840&q=100) Cash flow velocity Settle faster Validated payees ensure fewer disruptions in your payment process, keeping your cash flow predictable and transactions completed on time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) Instant payee confirmation Eliminate penny drops Finmo replaces test deposits with instant, behind the scenes verification, saving you time and securing every payout. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb13ae351c674ecb0d7ebabefd780bcd97c32cee-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa43534e277959c9e6e5060bfdd7a8a5b83dea696-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb13ae351c674ecb0d7ebabefd780bcd97c32cee-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc267ddb971dbe06e0748b120b79c89929a065505-1094x1312.webp&w=3840&q=100) High-Volume Payouts ## Bulk Verify in Seconds Easily upload your complete payout list and let the system instantly verify every recipient in one go. Add custom overrides directly in your file based on verification results, giving you full control over how each payment gets processed. Designed for payroll runs, marketplace payouts, and large supplier batches. Global Coverage ## Confirmation of Payee available across key markets - ![Australia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F972903dd27ca0640721b2377f47727cf5b70cd4e-248x248.png&w=3840&q=100) Australia ![Argentenia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b892e45900061c90038f1671e11d0db2411c2ca-248x248.png&w=3840&q=100) Argentenia ![Bangladesh](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd71e6e1b47444c88127a2b7c4bb3fbd475b8996-248x248.png&w=3840&q=100) Bangladesh ![Belgium](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8efd5e8734845f8758a2136ddac4fc65145bac22-248x248.png&w=3840&q=100) Belgium ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![France](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1805eefbde5f5f67525e0d18f155485fe68a344e-248x248.png&w=3840&q=100) France ![Korea](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc8dd5bec1379d1315d4887acbe2cd8d227cfa212-248x248.png&w=3840&q=100) Korea ![Indonesia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd21d2cb198f9fb650665bcf81fa333e05a1e8d6b-248x248.png&w=3840&q=100) Indonesia ![Nigeria](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9bb7e1b2ee25de73f4455caf2409111d52b26c70-248x248.png&w=3840&q=100) Nigeria ![Nepal](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F81fceeffd7ba23f1d35dda720a44db975d4ce7f8-248x248.png&w=3840&q=100) Nepal ![Uganda](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0ba8121343eb357beb57caa40c37a40c8be35273-248x248.png&w=3840&q=100) Uganda ![Vietnam](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd6086e5298ae9dc9dd1436d3338f43cf9491eec2-248x248.png&w=3840&q=100) Vietnam ![Malaysia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff6072ff4850a7c1141a38f7d5159d7f46cc78dc4-248x248.png&w=3840&q=100) Malaysia ![Uruguay](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb994ab270f79570249309ee78b6b67cb0516e806-248x248.png&w=3840&q=100) Uruguay ![Peru](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8562784137e83fb389372b460e01724922a59161-248x248.png&w=3840&q=100) Peru ![Turkey](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdf970baa1d897294ec4f24016380044bfcff83d4-248x248.png&w=3840&q=100) Turkey ![Italy](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdeec567f98980300797dc5d3289e6f9feea893b4-248x248.png&w=3840&q=100) Italy ![Netherlands](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F42a951d63f3cae076aadc263b8170ffba5bc7382-248x248.png&w=3840&q=100) Netherlands ![Poland](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5d0d52d6cb9865354cfb186dce95fa42635669ac-248x248.png&w=3840&q=100) Poland ![Europe](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8a08807a6fa49c9cedb371c067dd9cae98e24852-248x248.png&w=3840&q=100) Europe FAQs Frequently asked questions What is Payee Verification? Payee verification is a security control that checks whether the name entered matches the actual bank account holder’s name before a payout is sent. Also known as Confirmation of Payee (CoP) or Verification of Payee, it helps prevent fraud, misdirected funds, and payment failures by confirming the recipient’s identity upfront. How does it work in real-time? When you enter a payee’s bank account details, the information is securely transmitted via API to Finmo’s banking partner network. The submitted name is compared against available bank records, and a verification outcome is returned instantly. Possible outcomes include: Match, Partial Match, No Match, Matching Failed. Finance teams can then review the result before authorising the payout. Will this slow down the payouts? No, verification takes place before the payout is initiated and happens in real time. It adds no friction or delay to the payment process. Instead, it prevents failed transactions and misdirected funds, reducing rework and operational disruption. ## Contact us Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get in touch](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/payments/local-and-cross-border-payments/confirmation-of-payee#) Reject AllAccept All ## Global Payout Management For marketing & affiliate agencies # Protect margins on global creator payouts Execute multi-currency payouts to creators and vendors worldwide while maintaining real-time visibility into cash flow and margins. Collect in 30+ currencies. Payout to 180+ countries. [Protect your margins now](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff85cda109cd922f362dc8dad1c333cb564b2c68a-5356x2680.png&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## See the difference of full visibility ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e3179591a6d93d243be4a0997b1a413c93070c9-5360x3020.webp&w=3840&q=100) Built for agencies that pay globally ## See inflows and outflows in real time Most agencies manage client revenue and creator payouts in completely separate systems. Finmo connects both sides, so you can see your real margin in real time, not after the month closes. Connected bank accounts See your full cash position across all retainers and accounts in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa2e19c33a53d3366e869ac730bd08a17a30b6bef-2188x1188.png&w=3840&q=100) Real margin, all month Get full visibility over client inflows and creator outflows, in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F126efe5d5bfe3f4dac50c6922560cfc06ed54844-2188x1188.png&w=3840&q=100) Batch multi-currency payouts Pay hundreds of creators and affiliates in their currency in one go. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F00c016151cc007525759190e7944f3421d91c56d-2184x1324.png&w=3840&q=100) Competitive FX Say goodbye to hidden spreads eating into your margins, and always get transparent pricing. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd762c371c42c9e62e8b621a4b5862c16d75c197-2188x1188.png&w=3840&q=100) Xero & QuickBooks sync Say goodbye to matching spreadsheets to bank statements manually and see payments flowing in automatically. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc909844760e27e6ab8ee97cb31f66ff03578d443-2184x1324.png&w=3840&q=100) ## What businesses are saying about Finmo The fastest-growing agencies globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay How global agencies run finance ## See your global cash position in minutes Connect your accounts Link all your bank accounts instantly. Your money won't move without your approval. See all your cash Get full visibility of all balances across all accounts and currencies before you pay, from one dashboard. Pay creators anywhere Upload your payee list. Set currencies and amounts. Execute batch payouts to 180+ countries. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) See your margin Inflows from clients. Outflows to creators. Your real margin - visible in real time, not at month-end. [See your cash](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by ambitious global agencies Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) Limited-time offer ## Get US$555 in transaction fee credits Activate payments and complete your first transaction within 4 weeks to receive US$555 in transaction fee credits. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). ## Protect your agency's margins Connect your banks, see your cash, know your margin. Free to start – no KYB required. [See your margins now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/draft-copy/get-started/agencies#) Reject AllAccept All ## Agency Payment Solutions ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). For marketing agencies # Stop paying PayPal to be your most expensive business partner Every creator payout, every client collection, every currency conversion - your current setup is taking a cut at every step. Finmo replaces it with one platform that pays creators in 180 countries, collects client fees in 30+ currencies, and shows you your margin in real time. [Get started for free](https://dashboard.finmo.net/signup) [Speak to our team](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff85cda109cd922f362dc8dad1c333cb564b2c68a-5356x2680.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe06ff28e18edf074f5cb1a6cdbe0927554e54d67-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fab537f82dae8f71d7c7d655635e993da78e28e06-2380x2624.png&w=3840&q=100) The margin your agency is losing ## Don't let FX eat your margins You invoiced in USD. Collected in SGD. Paid creators in EUR. Your bank made money every single time. When the spread compounds on both ends; invisibly, on every transaction, most finance leaders only see the damage when they're explaining variance at month-end. Finmo makes it visible before it becomes a problem. One platform for agency finance ## Everything your current finance stack can't. From batch creator payouts to real-time margin visibility, Finmo connects every financial function your agency runs globally, in one place. Activate mass payouts Upload your payee list, set currencies and amounts, and execute batch payouts to your entire creator and affiliate network in one go to 180+ countries. \- Batch payouts to 180+ countries in a single operation. \- Pay every creator in their local currency, no forced conversion on their end. \- See every payment status, every balance, every currency in real time. Save on FX On $200K in monthly creator payouts, PayPal's cut is $4,000–$6,000. Finmo uses institutional FX rates with no hidden spreads, no platform markups, and no per-seat fees. Collect from clients without forced conversion on arrival. The margin stays yours. \- Institutional FX rates, no hidden bank spreads. \- Collect client fees in 30+ currencies without forced conversion. \- No per-seat fees. One account, both sides of every transaction. Automated reconciliation Connect all your bank accounts and see client inflows and outflows in real time. Know your actual margin before month-end, not after. \- Full cash position across all accounts, currencies, and entities in one dashboard. \- Real margin visibility - client inflows vs. creator outflows, updated in real time. \- Forecast cash flow based on expected inflows and outflows, no spreadsheet required. How it works ## 3 steps to full visibility over your FX costs Connect your banks, see your exposure, and start paying at better rates. Connect your banks Link your DBS, HSBC, ANZ and all major banks. Read-only access; your funds never move without your explicit approval. See your exposure Every open payable mapped by currency, supplier, and due date. See what FX is costing you right now, in real time. Pay at better rates Execute supplier payments at institutional FX rates from the same platform. Straight into your accounting software. [Get started for free](https://dashboard.finmo.net/signup) Trusted by global businesses ## For businesses wanting to protect margins > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Regulated, compliant, trusted ## Security and compliance your business needs Finmo is a fully licensed financial platform built to the same regulatory standards as the institutions it connects to, so you can move money globally with confidence, not crossed fingers. Read-only bank connections: We connect to your banks to read and display your data. Your funds never move without your explicit approval. Licensed across 8 jurisdictions: Regulated in Singapore, Australia, New Zealand, Canada, the US, the UK, Dubai and Hong Kong. ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## Pay your creators, protect your margins One platform for every payout, every currency, every client collection. Up and running in 5 mins. [Get started free](https://dashboard.finmo.net/signup) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/agencies#) Reject AllAccept All ## Licensing Overview # Licences & Registrations Contents - [Why our licences matter?](https://www.finmo.net/about/license-and-registrations#why-our-licences-matter) - [Australia](https://www.finmo.net/about/license-and-registrations#australia) - [New Zealand](https://www.finmo.net/about/license-and-registrations#new-zealand) - [Singapore](https://www.finmo.net/about/license-and-registrations#singapore) - [United States of America (USA)](https://www.finmo.net/about/license-and-registrations#united-states-of-america-usa) - [Canada](https://www.finmo.net/about/license-and-registrations#canada) - [United Kingdom](https://www.finmo.net/about/license-and-registrations#united-kingdom) - [Dubai](https://www.finmo.net/about/license-and-registrations#dubai) - [Hong Kong](https://www.finmo.net/about/license-and-registrations#hong-kong) ## Why our licences matter? Finmo’s licensing framework enables us to support cross-border payments, treasury operations, and financial workflows for growing businesses while meeting local regulatory requirements. Our regulated status helps ensure: - Customer funds are safeguarded in accordance with local regulations - Transactions are conducted under compliant payment and e-money frameworks - Operations meet jurisdiction-specific regulatory and reporting standards ## Australia Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds an Australian Financial Services Licence (AFSL number: 535371). Finmo Tech is also a registered independent remittance business (AUSTRAC registration no: IND100723324-001) and a registered Digital Currency Exchange provider (AUSTRAC registration no: DCE100723324-001). Please consider our Financial Services Guide and [Product Disclosure Statement](https://www.finmo.net/product-disclosure-statment) and if the information is right for you before acquiring the product or service. ## New Zealand Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds a Financial Service Provider License (FSP No: FSP1003815) ## Singapore Finmo Tech Pte. Ltd. (Finmo) holds a Major Payment Institution (MPI) Licence issued by the Monetary Authority of Singapore (MAS), which allows us to provide e-money issuance services, account issuance services, merchant acquisition, cross border and domestic money transfer services. (Licence number: PS20200640) In accordance with the applicable laws and regulations (including PSN08), Finmo is required to provide the following disclosures: Notice for Non-Singapore Residents: Finmo Tech Pte. Ltd. is licensed by the Monetary Authority of Singapore to provide e-money issuance services. Please note that this does not mean you will be able to recover all the money you paid to Finmo Tech Pte. Ltd. if Finmo Tech Pte. Ltd.’s business fails. Hours of Business Operations: Our working hours in Singapore are from 9am SGT to 6pm SGT (Mon to Friday) excluding Public Holidays. ## United States of America (USA) Finmo LLC is registered as a Money Service Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury. (MSB Registration Number: 31000248116829) ## Canada Finmotech Canada Inc. is registered as a Money Service Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) (MSB Registration Number: C100000380) and also registered as a Payment Service Provider (PSP) with the Bank of Canada ## United Kingdom Finmo UK Group Limited is an Authorised Electronic Money Institution (EMI) who is permitted by the Financial Conduct Authority (FCA) to issue electronic money (e-money) and provide payment services. (Reference No: 901102) ## Dubai Finmo (DIFC) Limited (#11455) holds a Financial Services Licence authorised by the Dubai Financial Services Authority to perform the following financial services: - Providing Money Services - Advising or Arranging on Money Services ## Hong Kong Finmo HK Limited (Finmo) holds a Money Service Operator Institution (MSO) Licence: (Licence number: 26-03-03326) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/about/license-and-registrations#) Reject AllAccept All ## Global Payroll Solutions For HR & EOR platforms # Run global payroll with 100% accuracy Run global payroll without a hitch every cycle, because your reputation depends on it. Never lose your client's trust. Always pay on time. [Start paying now](https://dashboard.finmo.net/signup) [How it works](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd424de4862b2667607d7d4c149fd606f549cf2d3-5136x2816.png&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## See the difference with financial clarity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fcf103bf5ec6846b3620f5d315bb789447ea6a04f-5360x3020.webp&w=3840&q=100) Built for payroll at scale ## Fund every cycle and country with confidence Always run reliable payrolls globally with an audit trail every cycle. Payroll funding forecast See obligations by country, currency, and pay cycle weeks in advance. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd0e0f4009d4f604aa410e652cc7eb769c178db4f-2188x1188.png&w=3840&q=100) FX exposure management See your currency risk on the full payroll run and lock rates before execution. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0b28831f905649266e4e9dc41b7a31d279bd0c8d-2188x1188.png&w=3840&q=100) Multi-bank visibility See all funding accounts across every country in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5aeed5bb3afacde0d62a5be341731c8d18da1ab6-2188x1180.png&w=3840&q=100) Payment controls Set approval workflows, segregation of duties, and establish a full audit trail. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F577a648c41e76a807ee05392a058a22bb60814e5-2184x1324.png&w=3840&q=100) Multi-country execution Pay globally like a local on the same day. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1e6d530fc4df5774434af7156e81e27f6cf770ce-2184x1324.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by global HR and EOR platforms Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo The smartest HR and EOR platforms globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay Limited-time offer ## Get US$555 in transaction fee credits Activate payments and complete your first transaction within 4 weeks to receive US$555 in transaction fee credits. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). ## Run reliable payrolls every cycle Connect your funding accounts in minutes. Free to start – no KYB required. [Start paying now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/draft/get-started/hr-eor#) Reject AllAccept All ## AP & AR Automation AP & AR Automation # AP & AR automation for modern finance teams Replace manual accounts payable and receivable processes with AP & AR automation software that schedules, approves, and reconciles invoices and payments in real time. Save time and stay in control of cash flow. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F490ca77453fa9f95f5667ab4b14f62c721b16436-1200x1350.webp&w=3840&q=100) Automated workflows ## Scalable no‑code AP & AR workflows Free up resources by eliminating manual accounts payable and receivable tasks. Automate invoice processing, approval routing, payment scheduling and financial reconciliation using simple, scalable no-code workflows ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe4a58499f4faf94b64474d9db27a8e1f9ceb1535-2688x1514.webp&w=3840&q=100) Accounts receivable ## Smarter AR automation Transform your accounts receivable into a streamlined, automated automation software. Get paid faster – while maintaining strong customer relationships. Real-time receivables See cash coming Get instant visibility into your accounts receivables and customer behaviors. Track payment patterns, aging receivables, and cash flow metrics so you can act before issues arise. ![](https://cdn.sanity.io/images/3m8qrzh6/production/976664b3f9927808f9e251a3b2f6b3e8faec68ab-547x656.svg) Invoice analytics Identify high-risk receivables View analytics on the share of invoices and overdue amounts linked to a particular customer. Identify high-risk accounts, prioritize those collections, and improve cashflow. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5986d1156eea83e491be917494c5c2a537b91df9-547x656.svg) Automate invoice processing and billing Automate invoice processing and billing Automate invoice generation, recurring billing cycles and cross-border invoicing across business units. Streamline invoice processing to accelerate collections and improve cash flow predictability. ![](https://cdn.sanity.io/images/3m8qrzh6/production/857355c0431e323ef61eb857330af0dcce5399ff-547x656.svg) Smart reminders Protect customer relationships Send personalized, automated payment reminders and follow-ups to reduce late payments. Maintain strong customer relationships while improving on-time collections. ![](https://cdn.sanity.io/images/3m8qrzh6/production/9150c8a7297a7ca5b49abdade4ad9f619082dcbb-547x656.svg) Self-service portal Enable faster customer payments Give your customers a seamless experience to easily make instant payments. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6e1c982f414beadbae837da0b1c1dc80e67f217e-547x656.svg) ![](https://cdn.sanity.io/images/3m8qrzh6/production/976664b3f9927808f9e251a3b2f6b3e8faec68ab-547x656.svg) ![](https://cdn.sanity.io/images/3m8qrzh6/production/5986d1156eea83e491be917494c5c2a537b91df9-547x656.svg) ![](https://cdn.sanity.io/images/3m8qrzh6/production/857355c0431e323ef61eb857330af0dcce5399ff-547x656.svg) ![](https://cdn.sanity.io/images/3m8qrzh6/production/9150c8a7297a7ca5b49abdade4ad9f619082dcbb-547x656.svg) ![](https://cdn.sanity.io/images/3m8qrzh6/production/6e1c982f414beadbae837da0b1c1dc80e67f217e-547x656.svg) Accounts payable ## Pain‑free AP automation Streamline accounts payables with intelligent AP automation tools. Reduce invoice processing stay compliant, and optimise cash flow with smart payment workflows. Payment tracking Stay ahead of every payment Get real-time visibility into your accounts payable with proactive alerts and automated insights. Track due dates, approval status and payment schedules so you never miss a deadline. ![](https://cdn.sanity.io/images/3m8qrzh6/production/f2bcf11a02f29cdf9cc3d985a9c0b0e9506d54da-547x656.svg) Intelligent invoice capture AI-powered invoice capture Upload invoices or receipts in PDF or image format. Finmo’s AI-powered OCR automatically extracts key data, reduces manual entry and feeds your accounts payable automation workflow. ![](https://cdn.sanity.io/images/3m8qrzh6/production/b0fe3e381106f39959783e74219b26dd882889c9-547x656.svg) Payment automation Schedule smart payments Create one-off or recurring payables, with the option to schedule one-time payables. Automate payment workflows, manage FX conversion immediately, or on the scheduled date for that payment. ![](https://cdn.sanity.io/images/3m8qrzh6/production/a952d1fde4913bc28ebbcc7d73592821e9860499-547x656.svg) Customised approvals Smoother payment approvals Remove friction and stay secure with dual approval workflows. Designate separate ‘payment makers’ and ‘payment checkers’, and get alerts when approvals are needed. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F301b156bc2d025523da8e8fa755b46f92875efb1-1094x1312.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/f2bcf11a02f29cdf9cc3d985a9c0b0e9506d54da-547x656.svg) ![](https://cdn.sanity.io/images/3m8qrzh6/production/b0fe3e381106f39959783e74219b26dd882889c9-547x656.svg) ![](https://cdn.sanity.io/images/3m8qrzh6/production/a952d1fde4913bc28ebbcc7d73592821e9860499-547x656.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F301b156bc2d025523da8e8fa755b46f92875efb1-1094x1312.webp&w=3840&q=100) Smart match Automated invoice reconciliation Finmo’s advanced invoice matching function, Smart Match, automatically suggests the most relevant pay-ins that can be linked to a specific invoice. Easily link pay-ins with their corresponding invoices, so that all invoices are reconciled correctly and no payments are left unlinked. ![](https://cdn.sanity.io/images/3m8qrzh6/production/f429d8319c7b25e74ee8394980a85fbf97b7d2a7-547x360.svg) Compliance Built-in compliance for AP & AR automation Scale and automate your payments with confidence thanks to embedded Maker-Checker security and full approval flows and audit trails – to demonstrate compliance at every step. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F92bba829eafa0866dcba97dafafc205e84bd2a40-1094x720.png&w=3840&q=100) ## Take command of cashflow with connected forecasting Forecast faster and smarter, collaborate more easily,and have the right data inform every business decision. [Cash forecasting](https://www.finmo.net/product/cash-flow-forecasting) ## Try Finmo’s AP & AR automation tool today Sign up to explore our dashboard for yourself firsthand.Book a demo to talk to our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://www.finmo.net/studio/intent/edit/mode=presentation;id=e6ba359e-48f3-4512-9121-c8ab8c0e804e;type=blockDocument;path=blocks%3A12329de3a41d.buttons%3A88b8cef80df4.title?baseUrl=%2Fstudio&id=e6ba359e-48f3-4512-9121-c8ab8c0e804e&type=blockDocument&path=blocks%3A12329de3a41d.buttons%3A88b8cef80df4.title&perspective=published&preview=https%3A%2F%2Fwww.finmo.net%2Fproduct%2Fap-ar-automation) FAQs Frequently asked questions How can we reduce DSO without adding operational complexity? Reducing DSO requires structured visibility and automation across receivables. Finmo’s AR automation combines real-time receivables tracking, intelligent invoice processing, automated reminders and smart reconciliation to accelerate collections without increasing manual workload. Finance leaders gain better control over aging invoices while maintaining strong customer relationships. How do we automate invoice processing across multiple entities or regions? Scaling invoice processing requires more than OCR. Finmo’s Accounts payables automation software standardizes invoice capture, approval workflows and payment scheduling across entities, while maintaining compliance and control. Centralized visibility allows CFOs to manage multi-entity payables efficiently without fragmenting processes. How can we improve cash flow forecasting accuracy across AP and AR? Accurate forecasting depends on unified visibility into both payables and receivables. Finmo connects invoice processing, payment automation and automated reconciliation in one platform, giving finance teams real-time insight into committed outflows, expected inflows and cash position, improving forecasting precision and liquidity planning. How can we eliminate manual reconciliation between invoices and payments? Manual reconciliation slows close cycles and increases error risk. Finmo’s Smart Match technology automatically links payments to the correct invoices in real time, reducing reconciliation effort and ensuring financial accuracy across accounts payable and accounts receivable workflows. How can we strengthen controls and compliance without slowing approvals? Finmo embeds maker-checker controls, role-based access and full audit trails into AP and AR automation workflows. This ensures secure approvals, fraud risk reduction and audit readiness, while keeping payment processes efficient. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/ap-ar-automation#) Reject AllAccept All ## Marketplace Agreement # Marketplace agreement Contents - [Terms & conditions for marketplace user & end user](https://www.finmo.net/finmo-marketplace-agreement#terms-conditions-for-marketplace-user-end-user) ### Exhibit D Pass-Through Terms a/k/a ## Terms & conditions for marketplace user & end user 01. **Agreement** 1. These Terms & Conditions for Businesses\[2\] ( **“T&Cs”**) are a legal agreement between Marketplace User and End User (collectively referred to herein as **"Customer"**) and Checkbook Inc., ( **“Checkbook”**) and govern Customer’s use of Checkbook’s payment processing services, software, programs, documentation, tools, hardware, components, updates (including software maintenance, service information, help content, bug fixes or maintenance releases), websites, cloud-based solutions and other products and services provided by Checkbook (the **“Services”**). 2. Because Checkbook offers the Services through Checkbook’s website, mobile applications and integrations with third-party websites and mobile applications ( **“Platform”, “Platforms”, “Platform Partners”**), the Platform Partners’ terms of service and privacy policies apply to its use of the Services. 3. Customer must agree and accept these T&Cs, all policies referenced herein, and those found on its website [www.checkbook.io](http://www.checkbook.io/) ( **“Policies”**) in order to use the Services. Customer accepts these T&Cs by: 1. using the Services; and 2. clicking to accept and agree to these T&Cs when this option is provided in the user interface for a Service. 02. **Registration** 1. To create its Checkbook account ( **“Account”**) Customer must register with Checkbook, and provide information, including but not limited to name, email address, and a self-selected password. Customer must also provide account information for at least one verified U.S. business bank account. Customer represent and warrant that the information provided is complete, accurate, and up to date. Businesses shall provide information, which may include but is not limited to street address, telephone number, tax identification number and for at least one principal of the Business their social security number, date of birth and other identifying information. Customer agrees to provide supplemental documentation upon request (including but not limited to: articles of incorporation; passport; driver’s license or business license). 2. Customer authorizes Checkbook, directly and through third parties, to make inquiries and verify that the information provided is accurate (e.g., social media and third party databases). Customer expressly authorizes Checkbook to request a credit report that contains a Customer representative’s name and address. 3. Checkbook reserves the right to deny use of the Services, change the account type, suspend, terminate, or close an Account of a Customer that provides information that cannot be verified, is inaccurate, untrue, incomplete or who fails to comply with a request for additional information and otherwise fails to comply with the registration requirements. 03. **Customer's passwords and account security** Customer is fully responsible for maintaining the secrecy and security of Customer's Account access credentials. Customer is responsible for all use of or action taken using Customer's Account access credentials, including but not limited to any actions taken by persons to whom it has granted access. If Customer becomes aware of any unauthorized use of its password or of its account, Customer agrees to notify Checkbook immediately. 04. **Checkbook's Role and Customer's Responsibilities** 1. Checkbook is a Payment Service Provider ( **“PSP”**) for any payment settlement network that governs payment processing ( **“Network”** or **“Networks”**), including but not limited to, the ACH network, Fedwire®, Check21 network, The Clearing House, and VISA/Mastercard Network, and other debit, credit and return transactions ( **“Transactions”**). Checkbook is not a bank, money transmitter, or Money Services Business ( **“MSB”**). Checkbook may act as End User’s (i.e. Payee’s) agent in so far as collecting payments/funds from Payors. In the case where Checkbook acts as “Agent of Payee” it will inform Payee when it has collected funds/payments from the Payor(s) and the Payee agrees to credit the Payors’ account(s) at the time Checkbook provides such confirmation. 2. Checkbook does not assume liability for fraud, originator or receiver side of the Transaction. Checkbook will use commercially reasonable methods for delivery of payments pursuant to instructions provided by the originator. Checkbook is not responsible for incorrect disbursement/collection of payments by a recipient so long as Checkbook follows the payment instructions provided by the originator. 3. CHECKBOOK IS NOT RESPONSIBLE FOR FRAUD, MIS-DISBURSEMENT OR OTHER WRONGFUL DISPOSITION OF FUNDS CAUSED BY ACTION OF ANOTHER. 4. As a PSP, Checkbook collects, analyzes and relays information generated in connection with payments to and from Checkbook's Customers. Customer authorizes Checkbook to provide such information to financial service providers ( **“FSP”** or **“FSPs”**) in order for the FSP to facilitate payments from and to its users through the various payment Networks. As a result Checkbook through its FSP conducts the settlement of Checkbook's Customers Network Transactions. Checkbook does not hold or own funds in connection with the Services, nor does Checkbook transmit money or monetary value. In connection with the Services, Checkbook does not actually or constructively receive, take possession of or hold any money or monetary value for transmission, and does not advertise, solicit or hold itself out as receiving money for transmission. 5. As a PSP, Checkbook enters into agreements with Networks and FSPs. Customer is not a third-party beneficiary of these agreements. Each Network and FSP is a third-party beneficiary of these T&Cs and may enforce these T&Cs against Customer. Some third parties may require a direct agreement with Customer. If Customer is required to enter into such an agreement and, if it declines to do so, Checkbook may suspend or terminate Customer's Account. **Each Network and FSP is a third-party beneficiary solely with respect to those provisions of these T&Cs that directly relate to their rolein facilitating payment transactions, and such rights shall not impose additional obligations on Customer beyond those expressly set forth herein.** 6. If the originated payment is settled through the Check21 network, either by Customer or by Checkbook, Checkbook will create a paper version of the check being used for payment and store it in a vault. This check will be stored in compliance with applicable statutory regulations and guidelines. 7. If Customer is using the **Checkbook Recurring Payments** (the feature within the Checkbook platform that allows users to automatically send out payments at set intervals to the same recipient, essentially setting up a recurring billing schedule) or **Checkbook Invoices**(the digital invoices generated through the platform to request payment from a recipient, which can also be configured to include recurring billing options for consistent payments), Customer agrees that it is its responsibility to comply with applicable laws, including the Electronic Funds Transfer Act (a.k.a. Reg. E), including by capturing its customers’ agreements to be billed on a recurring basis. Customer may not resell any hardware provided to Customer by Checkbook or a third party for use with the Services. 8. Customer has an independent obligation to comply with all applicable laws and regulations related to the Services. Customer expressly acknowledges and agrees it is assuming the risk of its non-compliance with the rules governing the processing of transactions for the Network(s) ( **“Operating Regulations”**). 05. **Representations & Warranties** 1. Checkbook represents, warrants and undertakes that: 1. it has the full right, power, legal capacity and authority to perform its obligations under these T&Cs, and by entering into these T&Cs, it will not conflict with, or breach the terms, conditions or provisions of, or default under any other agreement to which it is a party; 2. there is no action, suit or proceeding at law or in equity now pending or, to the its knowledge, threatened by or against or affecting it which would substantially impair its right to carry on its business as contemplated herein or adversely affect its financial condition or operations; 3. it complies and shall continue to comply with all applicable legislation, regulations and any and all directives, standards and/or guidelines of any applicable regulatory, governmental or other authority, card scheme or payment network or other (including PCI Security Standards Council) relating to its obligations pursuant to these T&Cs; 4. it has and shall maintain (as applicable) for the duration hereof all necessary licenses, consents and approvals for the provision of the Checkbook Services in accordance with these T&Cs; 5. in undertaking its obligations pursuant to these T&Cs it will exercise at least the same degree of competence and professionalism which would reasonably and ordinarily be expected from a skilled and experienced operator engaged in the same type of business as Checkbook under the same or similar circumstances, but in no event with less than reasonable care; 6. the Checkbook Services will not infringe the intellectual property rights of any person in any jurisdiction and under any applicable law; 7. it shall not sell, resell, assign or otherwise transfer rights to, use, reproduce, decompile, reverse engineer, modify or distribute any proprietary information of Marketplace Owner or Marketplace User that is not expressly authorized in these T&Cs or elsewhere. 2. **Customer represents, warrants and undertakes that:** 1. it has the full right, power, legal capacity and authority to perform its obligations under these T&Cs, and by entering into these T&Cs, it will not conflict with, or breach the terms, conditions or provisions of, or default under any other agreement to which it is a party; 2. there is no action, suit or proceeding at law or in equity now pending or, to the its knowledge, threatened by or against or affecting it which would substantially impair its right to carry on its business as contemplated herein or adversely affect its financial condition or operations; 3. it complies and shall continue to comply with all applicable legislation, regulations and any and all directives, standards and/or guidelines of any applicable regulatory, governmental or other authority, relating to its obligations pursuant to these T&Cs; 4. in undertaking its obligations pursuant to these T&Cs it will exercise at least the same degree of competence and professionalism which would reasonably and ordinarily be expected from a skilled and experienced operator engaged in the same type of business as Customer under the same or similar circumstances, but in no event with less than reasonable care; 5. Customer shall not sell, resell, assign or otherwise transfer rights to, use, reproduce, decompile, reverse engineer, modify or distribute any proprietary information of Checkbook that is not expressly authorized in these T&Cs; and 6. Customer is not sanctioned by the United States and is not on the U.S. Department of the Treasury’s Office of Foreign Assets Control list or any other list where transactions with Customer are prohibited by the United States. 06. **Underwriting and Sharing Information** Checkbook may share some or all of the information about Customer and its transactions with its FSP(s), Networks and other Platform Partners (and their respective affiliates, agents, subcontractors, and employees), who may use this information to perform their obligations under their agreements with Checkbook, to operate and promote their respective networks, to perform analytics and create reports, to prevent fraud, and for any other lawful purpose. 07. **API Developer Relationship with Checkbook** 1. Checkbook offers an API to retrieve information from or submit requests to Checkbook. If Customer uses the Checkbook API to develop applications and integrate the Services into its website or mobile application, then the users that these applications or integrations serve are subject to the terms of these T&Cs. 2. Checkbook will issue Customer an access token for each user of its website or application who creates an Account. Access tokens are the property of Checkbook, and misuse of access tokens could cause substantial loss and damage to Checkbook. 08. **Prohibited Activities** 1. Customer acknowledges and agrees that it will not accept payments or use the Services in connection with the following activities, items or services: Adult content and services (pornography, obscene materials, prostitution, escort services, massage parlors, or any sexually explicit services), illegal or regulated substances (drugs, alcohol, drug paraphernalia, medical marijuana, or any related items), financial crimes (bail bonds, bankruptcy payments, dishonored checks, uncollectible items, counterfeit or suspected counterfeit goods, unlawful debt collection, pyramid schemes, or Ponzi schemes), illegal gambling and betting (lottery tickets, casino chips, off-track betting, or race wagers), violence and hate (content or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime), illegal or harmful activities (unlawful products or services, activities that encourage violence or self-harm, and instructions for harmful or illegal acts), weapons (firearms, ammunition, weapon replicas, or related items), and unauthorized pharmaceuticals (internet pharmacies or pharmacy referral services). 2. Customer may not use the Service for: 1. competing with Checkbook; nor 2. transferring funds between bank accounts held in the same name. 3. If Checkbook determines that Customer has received funds resulting from fraud or other prohibited activity, those funds may be frozen, returned to the Payor, or seized. 4. If Checkbook has reason to suspect that Customer’s Account has been used for an unauthorized, illegal, or criminal purpose, Customer expressly authorizes Checkbook to share information about Customer, Customer’s Account, its access to the Services, and its transactions with law enforcement. 09. **Taxes** 1. Customer is solely responsible for determining, collecting, withholding, reporting and remitting any taxes to the appropriate tax authority. 2. Checkbook will not determine whether taxes apply, nor calculate, collect, report and remit taxes to any tax authority arising from Customer’s use of Checkbook Services. 10. **Dormant Accounts** If there is no activity in Customer's Account (including access or payment transactions) for 24 weeks or more Checkbook reserves the right, in its sole discretion, to close Customer’s Account. 11. **Privacy and Security** 1. Checkbook has implemented technical and organizational measures designed to secure Customer information from accidental loss and unauthorized access, use, alteration or disclosure. Notwithstanding, Checkbook cannot guarantee that unauthorized third parties will never defeat these measures or use Customer information for improper purposes. 2. Checkbook will maintain all applicable PCI DSS requirements to the extent that it possesses or otherwise stores, processes, or transmits cardholder data on Customer’s behalf, or to the extent that Checkbook could impact the security of Customer’s cardholder data environment. 12. **Termination & Suspension** 1. Checkbook may also suspend the Service and instruct Checkbook's FSP to suspend access to Customer’s Account (including the funds in its Account) if Customer: 1. fails to pay its bills, dues, and charges whether they are per transaction or subscription based (“Fees”), 2. has violated the terms of the Checkbook’s policies or these T&Cs, 3. poses an unacceptable credit or fraud risk, or 4. provides false, incomplete, inaccurate, or misleading information or otherwise engages in fraudulent or illegal conduct. 2. If its Account is terminated for any reason, Customer agrees: 1. to continue to be bound by these T&Cs, 2. to immediately stop using the Service and to remove all logos from its website and wherever else they are displayed, 3. that the license provided under these T&Cs shall end, 4. that Checkbook reserve the right (but have no obligation) to delete all of its information and Account data stored on Checkbook's servers, subject laws and regulations applicable to such information, and 5. that Checkbook shall not be liable to Customer or any third party for termination of access to the Service, deletion of its information or Account data, or export of its information or Account data. 3. When Customer closes its Account: 1. any pending transactions will be canceled. Any funds that Checkbook thru it’s FSP is holding in custody for Customer at the time of closure, less any applicable Fees, will be paid out to Customer according to its payout schedule, assuming all payout-related authentication requirements have been fulfilled (e.g., Customer may not close its Account as a means of evading its payout schedule); and 2. an investigation is pending, Checkbook may hold Customer’s funds in accordance with these T&Cs until such investigation is complete. 4. Checkbook will not be liable to Customer for compensation, reimbursement, or damages in connection with any termination or suspension of the Service. Any termination of these T&Cs does not relieve Customer of any obligations to pay any Fees or costs accrued prior to the termination and any other amounts owed by Customer to Checkbook as provided in these T&Cs. 13. **Customer's License** 1. Checkbook grants Customer a personal, limited, non-exclusive, revocable, non-transferable license, without the right to sublicense, to electronically access and use the Service solely to accept and receive payments and to manage the funds Customer receives. Customer will be entitled to download updates to the Service, subject to any additional terms made known to Customer at that time, when Checkbook makes these updates available. 2. Customer may not directly or indirectly (via third-party or other scheme) do any of the following: 1. access or monitor any material or information on any Checkbook system using any manual process or robot, spider, scraper, or other automated means unless Customer has separately executed a written agreement with Checkbook referencing this section that expressly grants Customer an exception to this prohibition; 2. copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material or information from Checkbook; 3. permit any third party to use and benefit from the Service via a rental, lease, timesharing, service bureau or other arrangement; 4. transfer any rights granted to Customer under these T&Cs; 5. perform or attempt to perform any actions that would interfere with the proper working of the Service, prevent access to or use of the Service by Checkbook's other users, or impose an unreasonable or disproportionately large load on Checkbook's infrastructure. 14. **Checkbook’s Intellectual Property Rights** The Service is licensed and not sold. The Service is protected by copyright, trade secret and other intellectual property laws. Checkbook owns the title, copyright and other worldwide intellectual property rights in the Service and all copies of the Service. These T&Cs do not grant Customer any rights to Checkbook’s trademarks or service marks, nor may Customer remove, obscure, or alter any of Checkbook’s trademarks or service marks included in the Service. 15. **Indemnity**Customer will indemnify, defend and hold Checkbook and its processors, and Platform Partners harmless (and our and their respective employees, directors, agents, affiliates and representatives) from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a third party that arises out of or relates to: 1. any actual or alleged breach of your representations, warranties, or obligations set forth in these T&Cs, including without limitation any violation of the Policies or the Operating Regulations; 2. Customer’s wrongful or improper use of the Services; 3. any transaction submitted by Customer through via the Services (including without limitation the accuracy of any product information provided or any claim or dispute arising out of products or services offered or sold by Customer); 4. Customer’s violation of any third-party right, including without limitation any right of privacy, publicity rights or intellectual property rights; 5. Customer’s gross negligence or willful misconduct; and 6. Customer’s violation of any law, rule or regulation of the United States or any other country. 16. **Disclaimer of Warranties by Checkbook** 1. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. USE OF THE SERVICE IS AT CUSTOMER'S OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY CUSTOMER FROM CHECKBOOK OR THROUGH THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE FOREGOING, CHECKBOOK, ITS PROCESSORS, PROVIDERS, LICENSORS AND FSPs (AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES) DOES NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICES WILL MEET CUSTOMER'S REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES AND OTHER HARMFUL COMPONENTS. 2. CHECKBOOK DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND CHECKBOOK WILL NOT BE A PARTY TO, OR INVOLVED IN, MONITORING ANY TRANSACTION BETWEEN CUSTOMER AND THIRD- PARTY PROVIDERS OF PRODUCTS OR SERVICES. 17. **Limitation of Liabilities and Damages** TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EXCEPT TO THE EXTENT OF CHECKBOOK’S INTENTIONAL MISCONDUCT OR INTENTIONAL BREACH OF CONFIDENTIALITY, IN NO EVENT SHALL EITHER PARTY, ITS CUSTOMERS, PROCESSORS, SUPPLIERS, LICENSORS, NETWORKS, OR THE BANKS (OR THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS AND EMPLOYEES) BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE CHECKBOOK SERVICE. NEITHER PARTY SHALL, UNDER ANY CIRCUMSTANCE, BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE CHECKBOOK SERVICES, CHECKBOOK PLATFORM, MARKETPLACE OWNER SERVICES, MARKETPLACE OWNER’S CHECKBOOK ACCOUNT OR THE INFORMATION CONTAINED THEREIN SHALL NOT EXCEED THE IMMEDIATELY PRECEEDING SIX MONTHS OF THE FEES RECEIVED BY CHECKBOOK. THIS LIMITATION DOES NOT APPLY TO THE OTHER PARTY’S GROSS NEGLIGENCE, FRAUD, OR WILLFUL MISCONDUCT.THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. 18. **Binding Individual Arbitration** All claims and disputes (whether involving contract, tort, equitable, statutory or any other legal theory) between Customer and Checkbook, including but not limited to any claims relating in any way to these T&Cs (including its breach, termination and interpretation), and any other aspect of its relationship with Checkbook (e.g., advertising, software, services, etc) before or after these T&Cs are to be settled by binding arbitration in the state of California or another location mutually agreeable to the parties. An award of arbitration may be confirmed in a court of competent jurisdiction. Notwithstanding the foregoing, Checkbook may choose to pursue a claim in court if Customer fails to timely pay amounts due. Checkbook may assign Customer’s account for collection, and the collection agency may pursue any claim, including but not limited to the collection of past due amounts, interest and cost of collection, permitted by law and these T&Cs. 19. **Governing Law** These T&Cs and any Dispute will be governed by California law and applicable federal law (including the Federal Arbitration Act) as applied to agreements entered into and to be performed entirely within California, without regard to its choice of law or conflicts of law principles that would require application of law of a different jurisdiction. 20. **Limitation on Time to Initiate a Dispute Unless otherwise required by law:** 1. an action or proceeding by Customer relating to any disagreement pertaining to a payment transaction facilitated by Checkbook under this agreement (“Payment Dispute”) must commence within six months of initiation of such payment/transaction. 2. an action or proceeding by the Parties relating to any Commercial Dispute (a dispute that is not a Payment Dispute) must commence in accordance with the applicable statute of limitations. 21. **Third Party Services and Links to Other Websites** If Customer decides to use third party services, including one of Checkbook's Platform Partners, Customer will be responsible for reviewing and understanding the terms and conditions associated with them. Customer agrees that Checkbook is not responsible for the performance of these third-party services. The inclusion of any website link does not imply an approval, endorsement, or recommendation by Checkbook. Checkbook expressly disclaims any liability for these websites. 22. **Marketing** Customer grants Checkbook the right to use its company name and logo as a reference for marketing or promotional purposes on Checkbook’s website and in other public or private communications or disclosures with its existing or potential customers and investors, subject to its standard trademark usage guidelines as provided to Checkbook from time to time. 23. **Modification of Checkbook Services** Checkbook reserves the right to modify, update, and discontinue any features or functionalities of Checkbook's platform at any time, at Checkbook's sole discretion, and without prior notice to Customer. These changes may include, but are not limited to, enhancements, adjustments, or the removal of specific features. Checkbook is committed to continually improving Checkbook's services and appreciates its understanding that such modifications are necessary to maintain Checkbook's service quality and innovation. In the event that a modification would cause a material adverse effect Checkbook will provide prior written notice. Customer's engagement and satisfaction are important to us, and Checkbook strives to keep Checkbook's platform aligned with its needs and expectations. 24. **Checkbook's Fees** 1. The Fees charged to use the Service are found on the website. Fees are collected directly by Checkbook or a Platform Partner to complete the transaction processing and may be withheld from payments received by Customer. 2. Checkbook charges fees for exception processing, such as chargebacks and returns. Customer agrees to pay Checkbook the Fees that are posted from time to time by Checkbook or the Platform Partner. Fees posted by Checkbook and the Platform Partner are cumulative. 3. Checkbook reserves the right to change Checkbook's Fees without notice. By continuing to use the Service, Customer consents to the change in Fees. To withdraw its consent, Customer must close its Account. 25. **Customer's Payment Authorization** 1. Customer authorizes the Checkbook through its FSP to hold, receive, disburse and settle funds on its behalf. Customer's authorization permits Checkbook though its FSP to generate a paper draft or electronic funds transfer to process each payment transaction that Customer authorizes. 2. Customer authorizes the FSP to initiate electronic Network entries to each bank account for which Customer inputs or enables the retrieval of the routing number and account number, card number on Checkbook’s website, mobile app or any other ingress point such as through one of Checkbook's Platform Partners, and to initiate adjustments for any transactions credited or debited in error. Customer agrees to be bound by the Network Rules, and Customer agrees that all Network transactions that Customer initiates will comply with all applicable law. 3. Customer agrees that its use of Checkbook’s API constitutes permission for Checkbook to retain and log its payment authorization requests and that Checkbook’s online logs will be evidence of such payment authorization(s) 4. Customer's authorization will remain in full force and effect until Customer notifies Checkbook that Customer revokes same by contacting Checkbook Customer Support in accordance with instructions on Checkbook's website or by closing Customer's Account. Customer understands that Checkbook requires a reasonable time to act on its revocation, not to exceed five business days. 26. **Checkbook's Set-Off and Collection Rights** 1. To the extent permitted by law, Checkbook may set off any obligation Customer owes Checkbook under these T&Cs (including chargebacks) against any credit in Customer's Account or against any amounts due to Customer. All Fees are deducted first from the transferred or collected funds and thereafter from Customer's Account. If Customer does not have sufficient funds, Checkbook thru it’s FSP may collect from any funding source associated with Customer's Account, or from any other Account under its control, or from any funding source associated with such other Account, including but not limited to any funds 1. deposited by Customer, 2. due to Customer under these T&Cs, or 3. available in its bank account, or other payment instrument registered through Checkbook. Customer's failure to pay in full amounts that Customer owes Checkbook on demand will be a breach of these T&Cs. 2. Customer will be liable for Checkbook's costs associated with collection in addition to the amount owed, including without limitation attorneys’ fees and expenses, collection agency fees, and interest at the lesser of 1.5% per month or the highest rate permitted by law. In its discretion, Checkbook may make appropriate reports to credit reporting agencies and law enforcement authorities, and cooperate with them in any resulting investigation or prosecution. 27. **E-Sign Disclosure and Consent** 1. By accepting these T&Cs, Customer agrees and consents to receive all communications, agreements, documents, notices and disclosures (collectively, **“Communications”**) that Checkbook provides in connection with its Account and the Services, electronically. 2. Communications may be sent by: 1. email to the primary email address listed in its Account registration, 2. emailing Customer a link or instructions on how to access them, and 3. where permitted by law, by posting the Communications at [www.checkbook.io](http://www.checkbook.io/) 28. **Amendments** No modification or amendment to these T&Cs shall be binding upon the Parties unless in a mutual written instrument signed by a duly authorized representative of each party. 29. **Survival** Any provision that is reasonably necessary to accomplish or enforce the purpose of these T&Cs shall survive and remain in effect in accordance with its terms upon the termination of these T&Cs. 30. **Entire Agreement** These T&Cs along with internal references constitute the entire agreement and understanding of the Parties hereto with respect to the subject matter hereof and supersedes all prior agreements and undertakings, both written and oral. Except as expressly provided in these T&Cs, these terms are a complete statement of the agreement between Customer and Checkbook, and they describe the entire liability of Checkbook and its vendors and suppliers (including processors) and its exclusive remedy with respect to its access and use of the Service. If any provision of these T&Cs is invalid or unenforceable under applicable law, then it shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. The T&Cs do not limit any rights that Checkbook may have under trade secret, copyright, patent, and other laws. Checkbook’s failure to assert any right or provision under these T&Cs shall not constitute a waiver of such right or provision. **Terms & Conditions for Accounts Receivable** The following sections apply if Customer is using Checkbook’s platform for collecting payments i.e., payments Customer is collecting for goods and/or services sold/transferred 31. **Transactions** 1. Upon the release of transaction information by Checkbook, a Payor will be debited or charged by Checkbook, unless the Payor has already pushed i.e., initiated the funds transfer. Customer agrees that the Payor’s obligation to the recipient is treated as paid after processing has been initiated by Checkbook and the transaction enters the “Completed” status in Checkbook. After the initiation of processing by Checkbook, Customer agrees not to attempt to collect or otherwise seek payment from the Payor, because Customer agrees that Payor’s obligation to Customer has been conclusively discharged. Transactions may stay in a “Pending” state before “Completed” if Checkbook is reviewing a transaction for risk purposes. Transactions in this state should not be treated as paid until they are “Completed”. 2. Transactions may be disputed by the Payor up to the number of days stipulated in applicable Network regulations from the date the transaction appears in the Payor’s bank account. Disputes resolved in favor of the Payor may result in reversal of the disputed transaction. 3. Checkbook reserves the right to limit or restrict transaction size or volume at any time. If Customer would like to increase its limits, please contact Checkbook Support. 32. **Payout Schedule** 1. Checkbook through its FSP will transfer funds to its bank account according to the typical schedule applicable to the specific Network used to transfer the funds. Regardless of the Network used to transfer the funds, Checkbook through its FSP will transfer funds to its bank account no more than 30 days after funds settle to the FSP, subject to any “Reserve” see below. If Checkbook cannot transfer the funds to its bank account (due to inaccurate or obsolete bank account information entered by Customer, or for any other reason), Checkbook may refund the funds to the Payor or escheat them pursuant to the terms hereof. Neither the FSP, Checkbook, nor the Payor will have any liability to Customer for funds so refunded. 2. Settlements to a bank account may be limited or delayed based on its perceived risk and history with Checkbook. If Customer would like to request an increase to its settlement limit, please contact Checkbook Support. 3. Should Checkbook need to conduct an investigation or resolve any pending dispute related to Customer's Account, Checkbook may defer payout or restrict access to its funds for the entire time it takes Checkbook to do so.Checkbook may also defer payout or restrict access to its funds as required by law or court order, or if otherwise requested by law enforcement or governmental entity. 4. If Checkbook suspects future chargebacks and disputes as a result of Customer’s historical transaction performance, Checkbook may defer payout and restrict access to its funds until Checkbook reasonably believes, in its sole discretion, that the risk of receiving a chargeback or dispute has passed. All settlements to Merchants are subject to review for risk and compliance purposes and can be delayed or postponed at Checkbook’s sole discretion. 33. **Reserve** 1. In order to continue use of the Services, Checkbook may require a certain balance that Customer maintain in its Account (“Reserve”) to secure the performance of its payment obligations under these T&Cs. The decision to require a and the amount of the Reserve is made at Checkbook’s sole discretion. 2. If Customer does not have sufficient funds to satisfy its required Reserve, Checkbook may fund the Reserve from any funding source associated with Customer's Account, or from any other Account under its control or funding source, including but not limited to funds: 1. credited to Customer's Account, 2. due to Customer under these T&Cs, or 3. available in its bank account, or other payment instrument registered with us. 3. Customer grants Checkbook a security interest in and lien on all funds held in the Reserve, and also authorizes Checkbook to make withdrawals and debits from the Reserve, without prior notice to Customer. 4. Customer will execute all additional documentation required for Checkbook to perfect Checkbook's security interest in the Reserve. This security interest survives for as long as Checkbook hold funds in its Reserve; however, it does not apply to any funds for which the grant of a security interest would be prohibited by law. 5. Customer irrevocably assigns to Checkbook all rights and legal interests to all interest and other earnings that accrue in the Reserve. 34. **Refunds and Returns Provided by You**Customer agrees to process returns of, and provide refunds and adjustments for, goods or services through its Account in accordance with these T&Cs and the Operating Regulations and Network Rules, as applicable. The Operating Regulations require that Customer will 1. maintain a fair return, cancellation or adjustment policy; 2. disclose its return or cancellation policy to Payors at the time of purchase, 3. not give cash refunds to a Payor in connection with a payment processed through Checkbook's Service, unless required by law, and 4. not accept cash or other item of value for preparing a sale refund through the applicable Network. Customer's refund policies must be the same for all payment methods. 35. **Chargebacks** 1. The full amount of a payment may be charged back to Customer if 1. it is disputed by a Payor, 2. it is reversed for any reason, 3. it was not authorized or Checkbook has a reason to believe that the transaction was not authorized, or 4. it is unlawful, suspicious, or in violation of the terms of these T&Cs. 2. Customer will immediately pay Checkbook the amount of any chargeback and associated Fees, fines, and penalties. 3. If Customer has pending chargebacks, Checkbook through its FSP may delay payouts to Customer. 4. Checkbook may withhold the amount of the potential chargeback from payments otherwise due to Customer under these T&Cs until such time that: 1. a chargeback is assessed due to a Payor’s complaint, in which case Checkbook’s FSP will retain and refund the funds; 2. the period of time under applicable law or regulation by which the Payor may dispute that the transaction has expired; or 3. Checkbook determines that a chargeback on the transaction will not occur. 5. If Checkbook determines that Customer is incurring an excessive amount of chargebacks, Checkbook may establish controls or conditions governing Customer's Account, including without limitation, by 1. assessing additional Fees, 2. creating a Reserve in an amount reasonably determined by Checkbook to cover anticipated chargebacks and related fees, 3. delaying payouts, and 4. terminating or suspending the Service or closing Customer's Account. 6. Customer agrees to assist Checkbook when requested, at its expense, to investigate any of its transactions processed through the Service. To that end, Customer permits Checkbook to share information about a chargeback with the Payor, the Payor’s financial institution, and its financial institution in order to investigate and/or mediate a chargeback. Checkbook will request necessary information from Customer to contest the chargeback. If the chargeback is contested successfully, Checkbook will release the reserved funds to Customer. If a chargeback dispute is not resolved in its favor by the Networks or issuing bank or Customer chooses not to contest the chargeback, Checkbook may recover the chargeback amount and any associated fees as described in these T&Cs. Customer acknowledges that its failure to assist Checkbook in a timely manner when investigating a transaction, including providing necessary documentation within seven days of Checkbook's request, may result in an irreversible chargeback. Checkbook reserve the right, upon notice to Customer, to charge a fee for mediating and/or investigating chargeback disputes. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). 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[Manage your preferences](https://www.finmo.net/hk/disclaimer#) Reject AllAccept All ## Product Disclosure Statement # Product Disclosure Statement Last updated: March 21, 2024 Important information This Product Disclosure Statement (“PDS“) has been prepared and issued by Paynow Technology Pty Ltd trading as Finmo Tech ACN 642 442 215 (“Finmo”, “us” “we” or “our”). Paynow Technology Pty Ltd trading as Finmo Tech is a subsidiary of Finmo Tech Pte Ltd, which (together with its subsidiaries globally) operates the “Finmo” brand. Please note that the information contained in this PDS does not constitute a recommendation, advice or opinion, and does not take into account your individual objectives, financial situation, needs or circumstances. This is an important document and should be read in its entirety (along with the Finmo Terms and Conditions – available at https://finmo.net/terms-conditions, or an electronic copy can be provided by us free of charge upon request). Before acquiring any product offered under this PDS, you should ensure this is appropriate for your particular financial objectives, needs and circumstances. If you acquire any of the products described in this PDS, you will be bound by the contents of this PDS and the Terms and Conditions. The information in this PDS is current as at the date set forth on the cover page, and may be updated from time to time where that information is not materially adverse to clients. Updated information shall be provided on our website – accessible at https://finmo.net/. Finmo may issue a supplementary or replacement PDS as a result of certain changes, which shall be available on our website or shall be distributed in electronic form as required. This PDS does not constitute an offer or invitation in any place outside Australia where or to any person to whom it would be unlawful to make such an offer or invitation. The distribution of this PDS (electronically or otherwise) in any jurisdiction outside Australia may be restricted by law and persons who come into possession of this PDS should seek advice on and observe any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable law. If you received this PDS electronically, we can provide a paper copy free of charge upon request. - Purpose and contents of this PDS This PDS is an important legal document and is designed to provide you with important information regarding our products and services, including the following information: - who we are; - how you can contact us; - which products we are authorised to offer or utilise; - key features/risk/benefits of these products; - applicable fees and charges for these products; - any (potential) conflicts of interest we may have; and - our internal and external dispute resolution process. - The information in this PDS should assist you to: - decide if the product meets your needs; and - compare the product with similar products. - If you intend to apply to use any of the products and services described in this PDS, please read and make sure you understand this PDS, our Terms and Conditions, Privacy Notice, and Financial Services Guide (“FSG”), which are accessible via our website. These documents contain important information regarding the features, benefits, risks and fees applicable, and are designed to assist you in making an informed decision about whether to use our products and services. If you have any questions or need more information, please contact us. All financial amounts mentioned in this PDS are expressed in Australian dollars unless otherwise stated. Unless defined herein, capitalised words used in this PDS have defined meanings which appear in the Glossary at the back of this PDS. - About Finmo Finmo holds an Australian Financial Services Licence Number 535371 and is authorised to provide financial services relating to its non-cash payment product (NCP) to both retail and wholesale clients. You can contact us at: Address: Level 17, Chifley Tower 2 Chifley Square Sydney, NSW 2000 Email: compliance@finmo.net Website: www.finmo.net - General product description The financial products provided by Finmo include facilities for businesses to send (i.e. Payout) and receive (i.e. Payin) money (collectively, the “Services”). | Service | Key features | | --- | --- | | Payout | Payout lets you send money in any Supported Currency to beneficiaries in Australia or any other jurisdiction approved by Finmo. The transaction can be funded from your Available Balance or any other supported payment methods from time to time. To payout money to a beneficiary, you will need to provide an instruction in accordance with the process described in the Terms and Conditions | | Payin | Payin lets you: - Top up the Available Balance in a Supported Currency through a bank transfer from your own bank account to the Finmo Account, or any other supported payment methods from time to time. The money received will be added to your Available Balance and held in the Account in the Supported Currency. - Payin funds in a Supported Currency into the Account from a third party payer in Australia or any other jurisdiction approved by Finmo. You will need to provide the third party payer with the Account details. The money received will be added to your Available Balance and held in the Account in the Supported Currency. - Hold money in any Supported Currencies. | - Multiple Supported Currencies can be held in the Account and form your Available Balance. You can convert any currency forming part of your Available Balance for another Supported Currency by providing an instruction to Finmo via the Finmo Platform. The Available Balance can be accessed or withdrawn in accordance with the process described in the Terms and Conditions. It is important for you to understand that the Account is not a bank account, and is instead a non-cash payment (NCP) facility. - When Finmo receives funds that are credited to the Available Balance you acquire an interest in (or an increased interest in) a non-cash payment facility (being the Account). Those funds are therefore not monies which are subject to the client money protections in the Corporations Act 2001 (Cth). - Accessing and using our products and services To access and use our Services, you must first register for an Account via the Finmo Platform, which is accessible via our website. By registering for an Account, you agree to the terms in our Terms and Conditions, Privacy Notice, the FSG, and this PDS. Your application for an Account must be approved by Finmo. Finmo reserves the right to refuse to open an Account for any person. - Eligibility To be eligible for the Services you must meet the eligibility criteria Finmo sets out in the Terms and Conditions. Your application for a Service must be approved by Finmo. Finmo reserves the right to refuse to provide a Service to any person. - Significant benefits The significant benefits of the Services are as follows: - You can use Payin to load (or reload) value onto your Available Balance, in any Supported Currency, by initiating a transfer from your bank account or through any other means notified described in the Terms and Conditions. You can also use Payin to collect and hold money in any Supported Currency from a third party payer in Australia or any other jurisdiction approved by Finmo, into your Account. This reduces the need for you to open bank accounts in multiple jurisdictions. - You can use Payout to transfer money in any Supported Currency to beneficiaries in Australia or any other jurisdictions approved by Finmo. - Finmo bases all of its FX quotes on the live interbank FX rate and adds a transparent mutually agreed-upon FX markup. - Significant risks In deciding whether or not to use the Services you should be aware of the significant risks set out below. However, this section does not purport to disclose all of the risks associated with the Services. - A Payout or Payin transaction will not be processed if the transaction is not in a Supported Currency and the beneficiary or payer (as the case may be) is not located in a jurisdiction approved by Finmo. - There may be circumstances beyond our reasonable control preventing a transaction from being processed. - You might not be able to get your money back if Unauthorised Transactions or unintended transactions occur. - No interest is earned on the Available Balance and it is not a savings or checking account. - There is a risk that Finmo may become unable to fulfil its obligations to you as they fall due, for example, if our banking partners fail to meet their contractual obligations to us or in the event Finmo experiences insolvency. This is known as counterparty (or credit) risk. If this happens, you may not be able to use the Services as designed and this could result in a loss. - There is a risk of loss resulting from failures, delays, or inadequacies of technological systems, internal processes or external events. This is known as operational risk. While Finmo uses reasonable efforts to ensure uninterrupted access to the Services, it cannot guarantee that such access will never be interrupted as a result of technical or other unforeseen problems that are outside its control. There are also risks associated with the use of an online platform to process transactions, such as network connectivity issues, system or software errors and bugs, and security or data breaches. - Finmo relies on arrangements with banking partners to deliver the Services. Finmo banking partners may make errors or experience unscheduled delays in crediting funds to the Account or transferring them to another account. - Advice We are obliged to warn you that we will only provide you with general advice, which does not take account of your objectives, financial situation or needs. - Fees and Charges The following fees apply in connection with the use of the Services. You agree that whenever any of these fees are incurred or become payable, Finmo may deduct it from your Available Balance. - Transaction fees: Transaction fees are payable on each Payout end and Payin transaction. The fees you pay will vary based on the source and destination currencies and countries of the transaction, the size and frequency of your transaction, and the payment method used in the transaction. The exact fee applicable for each transaction will be disclosed to you on the Finmo Platform as well as in the Merchant Services Agreement (MSA) signed with us at onboarding. - Foreign exchange charges: Where currency conversion is required in respect of any transaction, Finmo will apply the prevailing exchange rate disclosed to you on the Finmo Platform which includes a percentage earned by Finmo. - Other fees and charges: You may also incur fees or bank charges on failed transactions, or interest charges on outstanding amounts due to Finmo or creation of Virtual Accounts. - The financial claims scheme The Financial Claims Scheme is a scheme administered by the Australian Prudential Regulation Authority (“APRA”) to protect depositors of authorised deposit-taking institutions from potential loss due to the failure of these institutions. It provides depositors with a guaranteed protection, up to a cap. As at the date of this PDS, the Financial Claims Scheme applies to deposits only, and does not protect any Available Balance. For more information, see APRA’s website at https://www.fcs.gov.au. - Privacy policy Your privacy is important to us and we are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Information collected from you at registration or in subsequent communications is used to establish and administer your Account, comply with our regulatory obligations and for us to determine your suitability as a client. We may disclose your personal information to external parties who act on our behalf in the operation of our business or in connection with the transactions to be undertaken. Such external parties are required and committed to protecting your privacy and where they are offshore, we take reasonable steps to ensure that to the maximum extent reasonably possible any information sent has the same level of privacy protection as we provide here in Australia. Finmo will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us by writing to compliance@finmo.net if you have any concern. We will retain information obtained from you only as long as required by our regulatory obligations. This includes information required in order for us to comply with applicable laws and regulations for the prevention of money-laundering and counter-terrorism financing. The law allows you (subject to permitted exceptions) to access your personal information. You can do this by contacting us using our contact details set out in this PDS. Where necessary, we will correct personal information where that information is found to be inaccurate, incomplete or out of date. We will not charge an individual for reasonable access and correction requests. - AML/CTF By accepting the terms and conditions in the PDS and at registration you undertake that activity related to your Account is in no way associated with unlawful or illegal activity. Finmo is compliant with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and associated laws. By registering with Finmo, you undertake to notify us of anything that may put us in breach of this legislation and associated regulations. You must supply personal details to us and where necessary documentation to assist us verify your identity. This may also be necessary for additional authorised signatories and directors and beneficial owners of corporate entities. From time to time we may be required to obtain further information to assist with ongoing obligations. We may be required to provide the relevant authorities with information we have collected from you or any transaction records we hold. We will be unable to notify you of any such requests. We may also be required to suspend or cancel your Account or delay, block or freeze the processing of transactions. If this occurs, we are not liable to you for any consequences or losses whatsoever and you agree to indemnify us if we are found liable to a third party in connection with the freezing or blocking of a transaction in connection with your Account. - Tax implications You should get your own independent tax advice in relation to the impact your use of the Services may have on your personal tax liability as Finmo has not taken into account your individual circumstances or needs. - Disclosure of interest Subject to disclosures in any other transaction documents, Finmo does not have any relationships or associations which might influence us in providing you with our Service. - Dispute resolution Finmo has an internal dispute resolution process in place to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. Any complaints or concerns should be directed to us via compliance@finmo.net. We will seek to resolve your complaint within 30 calendar days or such further time period that may reasonably be required given the nature of the complaint. We will investigate your complaint, and provide you with our decision, and the reasons on which it is based, in writing. If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which Finmo is a member. - Australian Financial Complaints Authority - Phone: 1800 931 678 - Post: GPO Box 3, Melbourne, Victoria 3001 - Website: www.afca.org.au - Glossary of terms | ACCOUNT | the account by which you access the Finmo Platform. | | --- | --- | | AVAILABLE BALANCE | refers to the balance contained in the Account. | | FINMO PLATFORM | the proprietary online system(s) and the components thereof, developed, owned and maintained by Finmo, that enables You to obtain the Services from Finmo, including any replacement thereof and any related software, websites, URLs, software programs and deliverable ancillary to the Finno Platform such as reports, compilations or databases. | | UNAUTHORISED TRANSACTION | a transaction not authorised by you, but not including transactions made by another person who you have permitted to use the Account. | ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/product-disclosure-statment#) Reject AllAccept All ## Finmo Partner Program Finmo Partner Program # Join the Finmo partner program Get Finmo working for you; and your clients. Through our Partner Program, you can offer your clients access to secure remittance and FX services, including payins, payouts, and international transfers while creating new value for your business. Designed for advisors, platforms, and fintech partners, our program makes it easy to integrate compliant money movement solutions without adding operational complexity. [Explore partnership options](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8742a02978f5d63956f8b021191552a04113f7cf-2688x1316.webp&w=3840&q=100) ## Why partner with Finmo HK? Earn from day one Partner with us to add more value for your clients. Whether through simple referrals or by integrating our remittance and FX services into your existing offerings, we provide transparent commercial arrangements tailored to your business model. Global capabilities,
no build required Make cross-border transactions simple and secure. Finmo HK provides multi-currency remittance and FX services, enabling businesses to collect and send payments internationally with speed, transparency, and reliability. Flexible and fast to launch Get started quickly with simple integration options. Whether through referrals or by connecting our remittance and FX services to your platform, Finmo makes it easy to add value for your clients while staying compliant. Tailored for client needs Provide your clients with flexible remittance and currency exchange options, making their payment experience simple, secure, and reliable. Built with Enterprise-Grade compliance Certified with PCI DSS, SOC 2, and ISO 27001, we ensure you and your clients are protected at every step. Full Transparency with Partner Portal Access clear, real-time reporting on all transactions and payouts with Finmo’s partner dashboard. ## Let’s talk partnerships Share your details and one of our partnership team will be in touch to talk things through. [Get in touch](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/partners#) Reject AllAccept All ## Complaints Procedure # Complaints Last updated: March 21, 2024 Contents - [1\. Our commitment to you](https://www.finmo.net/complaints#1-our-commitment-to-you) - [2\. How to make a complaint](https://www.finmo.net/complaints#2-how-to-make-a-complaint) - [3\. Our complaints procedure](https://www.finmo.net/complaints#3-our-complaints-procedure) - [4\. Confidentiality](https://www.finmo.net/complaints#4-confidentiality) - [5\. External review options](https://www.finmo.net/complaints#5-external-review-options) - [6\. Commitment to fairness and non-retaliation](https://www.finmo.net/complaints#6-commitment-to-fairness-and-non-retaliation) At Finmo, we are fully committed to providing exceptional service to our clients. We understand that from time to time, issues may arise, and we welcome your feedback to ensure we continue to improve and deliver the best possible support and appreciate your feedback, as it helps us improve and serve you better. ## 1\. Our commitment to you We deeply value your feedback and are dedicated to resolving any issues you may encounter. Your satisfaction is important to us, and we want you to feel heard and supported throughout the process. Our complaints procedure is designed to be simple, effective, and transparent, so that we can address your concerns in the most efficient way. ## 2\. How to make a complaint If you have any complaints or concerns about our services, we encourage you to contact us directly through the channels below that are most convenient to you. **To help us assist you in the best way possible, please include:** - A clear description of your concern - Any supporting documents or evidence - Your contact details **You can reach us via:** - Email: compliance@finmo.net - Phone: 1300- 918-846 **Australia Office** - Address: Level 17, Chifley Tower Chifley Square Sydney, NSW 2000 **Singapore Office** - Address: 209 South Bridge Road, Level 3, Singapore 058758 ## 3\. Our complaints procedure We deeply value your feedback and are dedicated to resolving any issues you may encounter. Your satisfaction is important to us, and we want you to feel heard and supported throughout the process. Our complaints procedure is designed to be simple, effective, and transparent, so that we can address your concerns in the most efficient way. ### 3.1 Acknowledgment As soon as we receive your complaint, we will acknowledge its receipt within 24 hours. ### 3.2 Investigation We will begin investigating your complaint within 24 hours, carefully reviewing all the details and circumstances. Our goal is to resolve the issue as quickly as possible while ensuring a thorough assessment. ### 3.3 Regular updates We will keep you informed regularly throughout the process. We understand how important it is to stay updated, and we will ensure you are never left wondering about the status of your complaint. ### 3.4 Final response After reviewing and investigating the matter, we will provide you with a final response. This will include an explanation of our assessment of your complaint including any steps we plan to take to resolve the issue, such as: a. Offering remedial action b. Implementing improvements to our systems or services c. Offering redress, where appropriate Note: Most complaints may be resolved within a few days, but depending on the complexity, we may need the full 45 business days to provide you with a comprehensive response. ## 4\. Confidentiality We are committed to protecting your privacy. All information relating to your complaint will be handled confidentially in line with our Privacy Policy. No personal details will be shared outside of this process, and your complaint will only be shared with those who need to address it. ## 5\. External review options **If you are not satisfied with the resolution provided, we want to ensure you have options for further support. You may escalate your complaint to the relevant regulatory bodies:** In Australia, you can contact the Australian Financial Complaints Authority (AFCA) at: - Address: GPO Box 3, Melbourne VIC 3001, Australia - Phone: 1800 931 678 - Website: [https://www.afca.org.au](https://www.afca.org.au/) In Singapore, you can contact the Monetary Authority of Singapore (MAS) at: - Address: 10 Shenton Way, MAS Building, Singapore 079117 - Phone: +65 6225 5577 - Website: [https://www.mas.gov.sg](https://www.mas.gov.sg/) ## 6\. Commitment to fairness and non-retaliation We are committed to treating all complaints fairly and assure you that making a complaint will not result in any retaliation or negative consequences. We value your input and ensure that all concerns are addressed respectfully and without prejudice. Thank you for choosing Finmo. We truly appreciate your feedback and are committed to ensuring that any concerns are handled with the utmost care and attention ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Money 20/20 Asia # Meet us at Money 20/20 Asia. 📍 Queen Sirikit National Convention Center, Bangkok, Thailand 📅 April 21-23, 2026 A treasury management system with embedded payments to help you see your cash, forecast liquidity, and execute payments from one system. [Book a meeting](https://cfq2o.share-na2.hsforms.com/2vcVLyHcISS2NkpgqlHc2lg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F27c5882257bc6abe49aacaad8215755ac000a554-2188x2700.webp&w=3840&q=100) ## See how Finmo powers your treasury, from visibility to execution At Money20/20 Asia, see how modern finance teams are rethinking treasury, from disconnected systems to a single platform for visibility, forecasting, and payment execution. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa3a52deb84e82476021d98b093b3eb2a903bca67-2188x2624.webp&w=3840&q=100) → Get started in minutes, no KYB required → See your global cash position in real time and forecast liquidity with a rolling 13-week view → Collect in 30+ currencies and pay out to 180+ countries through Finmo’s business payment accounts → Connect to Finmo’s global payments network or continue using your existing payment partners while leveraging Finmo’s cash intelligence → Secure every transaction with instant beneficiary account verification and built-in fraud prevention → Unlock new revenue streams with Finmo’s white-labelled treasury infrastructure through our partner program [Book a meeting with us](https://cfq2o.share-na2.hsforms.com/2vcVLyHcISS2NkpgqlHc2lg) Finmo Speaking Sessions ## Meet the speakers ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff7a78e36254e013e6f5d54a7608148733da669cb-2188x2624.webp&w=3840&q=100) ## Building intelligent infrastructure: From digital foundations to human connections 📅 Tuesday, April 21 \| ⏰ 13:20 – 14:00 \| 📍 MoneyPot Stage In this session, Finmo Co-Founder and Chief Product Officer, Akhil joins a panel of industry leaders to explore how API-first, modular systems are enabling payments, treasury, and operations to work more seamlessly together. Joining Akhil on the panel: \- Shannon Chaluangco, Partner, Ascent Venture Group \- Jessie Toh, Vice President, Global Treasurer, Coda Payments \- Monica Millares, Chief Product Officer, BigPay [Book time with Akhil](https://cfq2o.share-na2.hsforms.com/2aEAZb-3xR2CVXJP6TJbBHQ) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F292a825d319e24f85bf8594ba9ec2c6f6adae7c2-2188x2624.webp&w=3840&q=100) ## Data-driven storytelling in the AI era 📅 Thursday, April 23 \| ⏰ 11:05 – 11:35 \| 📍 Inner Forum Stage In this session, Mansi Chopra, Finmo’s CMO explores how teams can translate complex AI capabilities across fraud, AML, and risk, into outcomes customers actually understand and value. Joining Mansi on the panel: \- Devlyn Coelho, Chief Marketing Officer, SEON [Book time with Mansi](https://cfq2o.share-na2.hsforms.com/2w6hAGrCvSDeiLTfwGWXUEg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F87bc7df9f933384fc73d8d381aae96662e8e1492-2188x2624.webp&w=3840&q=100) ## From pilots to production: Institutional tokenised currency infrastructure in APAC 📅 Thursday, April 23 \| ⏰ 9-11am This panel brings together a global custodian (BNY), a regulated stablecoin issuer and network operator (Circle), and a licensed payment institution (FOMO Pay) to discuss how tokenised currency infrastructure is moving from pilots to production across APAC. Moderator: Holly Fang, President, SFA, Chief Business Officer, Finmo Speakers \- Fabian Khoshbakht, Head of Global Payments & Trade (APAC), BNY \- Yam Ki Chan, VP, Asia Pacific, Circle \- Louis Liu, Founder & CEO, FOMO Pay \*By invitation only. [Book time with Holly](https://cfq2o.share-na2.hsforms.com/2Zm7aIoRcTmaq_WxoKQvy1g) ## Meet the leaders shaping the future of treasury and payments ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb41b46c245be4d5ca409a545d63a1233954bef-632x768.webp&w=3840&q=100) David HannaChief Executive Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc85d2bb936252c4608d9faa67738cc0c1268b9dc-1264x1536.webp&w=3840&q=100) Akhil NigamCo-founder & Chief Product Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F733c8c8a4e71ab40840263dfa0c7d2d600154220-632x768.webp&w=3840&q=100) Raj Vimal ChopraCo-founder & Chief Technical Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Febab0970f9c822bc943141df866403ec2456a1e4-1264x1536.webp&w=3840&q=100) Mansi ChopraChief Marketing Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f5d4403adfbf41335fb3886a705e1d35f441b77-1264x1536.webp&w=3840&q=100) Holly FangChief Business Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fab4b9713b6403692c550600f98e01f607a71c818-1272x1536.webp&w=3840&q=100) Michelle LingSenior Account Executive ## Book your slot with Finmo [Schedule a meeting](https://cfq2o.share-na2.hsforms.com/2vcVLyHcISS2NkpgqlHc2lg) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/events/money2020#) Reject AllAccept All ## Revolutionizing Treasury Management Blog # Bringing sexy back to treasury: How modern CFOs are transforming finance operations ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2be1b497f2e189a8954f3f4e2d02a2a7a27d2c02-3200x1800.webp&w=3840&q=100) In this article: - [Why Treasury Is the New Star of Finance](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury#why-treasury-is-the-new-star-of-finance) - [Automation Is Redefining Finance Operations](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury#automation-is-redefining-finance-operations) - [From Fragmentation to Flow](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury#from-fragmentation-to-flow) - [Collaboration Is the Future of Treasury](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury#collaboration-is-the-future-of-treasury) - [Why Now Is the Time to Rethink Treasury](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury#why-now-is-the-time-to-rethink-treasury) Share: - Link copied In a recent episode of Finmo’s podcast, produced in collaboration with Money 20/20, titled "Bringing Treasury Back to Sexy," host Danny Levy sat down with our CEO, David Hanna, to explore what CFOs need in today’s global environment, and why treasury management is stealing the spotlight in 2025. Once a quiet, back-office function, treasury is now a strategic powerhouse driving finance automation and reshaping global finance operations. With economic uncertainty, rapid digitization, and a shifting CFO tech stack, companies are rethinking cash flow, liquidity, and risk management. This blog unpacks the episode’s key insights, revealing why the treasury function is having its moment and how finance leaders can seize the opportunity. ## Why Treasury Is the New Star of Finance Treasury used to be the unsung hero - handling cash, mitigating risks, and ensuring liquidity without much fanfare. But as David explains, the role has evolved. Treasury today is no longer just about balancing the books; it’s about strategic decision-making. With real-time treasury insights and finance automation tools,CFOs and treasurers are now becoming advisors to the leadership, forecasting with precision and unlocking capital for growth. In this podcast, we unpack how forward-looking CFOs are using automation, cash visibility tools, and embedded intelligence to turn treasury into a competitive advantage. **Insight: Companies that invest in treasury management platforms now can turn liquidity into a weapon, outpacing competitors stuck in outdated processes.** ## Automation Is Redefining Finance Operations One of the episode’s standout points is how finance automation is transforming the CFO’s role, freeing up time from manual processes and enabling faster, data-backed decisions. New treasury management platforms integrate with ERP systems, automate reconciliations, and provide real-time visibility into cash positions. This shift frees CFOs to focus on strategy, like optimizing working capital or hedging against currency fluctuations. Several Finmo customers have significantly reduced costs and improved productivity by automating treasury workflows and gaining real-time treasury insights. **Insight: Automation isn’t just efficiency. It's a gateway to agility, letting firms adapt to market shifts instantly.** ## From Fragmentation to Flow A key discussion point was the shift from siloed systems to integrated treasury management platforms. When data is fragmented, CFOs struggle with delayed decisions and inconsistent reporting. But with the right platform, teams can move from reactive to proactive, gaining control of cash, risk, and capital in one place. This is the new reality of the modern CFO tech stack—purpose-built for flexibility, speed, and global scale. **Insight: Today’s treasury is powered by integration. And integration powers intelligence.** ## Collaboration Is the Future of Treasury Treasury’s shift from siloed function to collaborative hub is a game-changer. David explains that treasury management now involves cross-functional teamwork, aligning with procurement, sales, and even IT to optimize cash flow. Modern treasury platforms enable this by offering shared dashboards and real-time insights accessible to multiple stakeholders. The podcast highlights how this collaboration is critical for finance operations in 2025, especially for global firms navigating complex regulations and violating markets. **Insight: Treasury’s new role as a connector across departments makes it central to driving organizational success.** ## Why Now Is the Time to Rethink Treasury Treasury is no longer a “nice-to-have”. It’s a strategic force shaping the future of finance. As finance teams navigate volatility, rising rates, and global expansion, the old ways of managing cash and risk just don’t cut it. With CFOs under pressure to deliver more impact with fewer resources, making it critical to modernize legacy systems and unlock real-time treasury insights. Ready to make treasury sexy at your organization? Explore [Finmo’s treasury platform](https://www.finmo.net/) and start transforming your CFO automation today. Listen to the full episode on Spotify for more insights! Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9928971c354b39fb833a260bcc3741bd30b1e64a-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management: The foundation your startup needs to thrive**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-startup-guide) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40ee0450ee103559737f53e59e6a9bc6a604bfc1-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management simplified: A CFO’s guide to cash, liquidity, and FX with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-simplified) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F656e4a0bf37003ba91df31b4d5836164e026284e-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **When instant gratification can be beneficial**\\ \\ Read more](https://www.finmo.net/resources/blog/when-instant-gratification-can-be-beneficial) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cash Flow Insights Blog # Cash flow forecasting vs visibility: What comes first? ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe10a289059c9d9987dbd0ab845d2f77d0948bacd-6400x3600.jpg&w=3840&q=100) In this article: - [What is cash flow forecasting?](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#what-is-cash-flow-forecasting) - [What is cash visibility?](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#what-is-cash-visibility) - [Cash visibility vs cash forecasting: What’s the difference?](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#cash-visibility-vs-cash-forecasting-whats-the-difference) - [Why cash visibility usually come first?](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#why-cash-visibility-usually-come-first) - [Why do startups struggle with cash visibility?](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#why-do-startups-struggle-with-cash-visibility) - [How Finmo helps CFOs achieve cash visibility and forecasting](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#how-finmo-helps-cfos-achieve-cash-visibility-and-forecasting) - [FAQs](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#faqs) Share: - Link copied Series A/B startup and scaleup CFOs often treat cash visibility and cash flow forecasting as separate priorities, but in reality, they are directly connected. As companies scale across markets, entities, and bank accounts, the pressure to forecast cash accurately continues to rise. In 2025, [34% of companies said cash forecasting is now significantly important](https://insights.tispayments.com/hubfs/Content%20Files/EN%20pdf/00%20New%20Content%20Library/2025/Whitepapers/2025%20Cash%20Forecasting%20and%20Visibility%20Survey_whitepaper.pdf), up from 19% in 2018, and 76% of leaders expect greater forecast accuracy. But without real-time cash visibility into balances, receivables, and payables, forecasts just become an exercise in estimation. [New-age treasury platforms](https://www.finmo.net/resources/blog/what-is-tms-lite) like Finmo connect your banks, ERPs, and financial systems into one place, so CFOs can see their cash in real time and get the data they need for reliable forecasting. ## What is cash flow forecasting? Cash flow forecasting is the process of estimating how cash would possibly move in and out of a business over a specific period of time. The goal is to understand future liquidity positions so finance teams can ensure the company has enough cash to meet obligations while continuing to invest in growth. A typical forecast combines data points including: - Expected customer payments (accounts receivable) - Scheduled vendor payments (accounts payable) - Payroll and operating expenses - Tax obligations - Debt repayments or credit facility usage - Planned capital expenditures When forecasting works well, CFOs can make decisions with confidence. Finance leaders can evaluate hiring plans, assess expansion strategies, and ensure that the organization maintains sufficient liquidity to meet its obligations. More than 53% of treasury teams say forecasting is challenging, and 72% say they would spend more time improving forecasts if better tools were available. ## What is cash visibility? Cash flow visibility refers to the ability to understand your organization’s cash position in near real time. Finance teams get a real-time and consolidated view of how cash is moving through the organization, including: - Cash balances in different bank accounts across various currencies and countries - Cash inflows, such as customer payments, sales receipts, investments, and financing - Cash outflows, including vendor payments, payroll, operating expenses, debt repayments, and other financial obligations - Upcoming receivables and payables that affect short-term liquidity This consolidated view allows CFOs to understand their true liquidity position at any given moment, make better decisions, and build forecasts on a much more reliable foundation. ## Cash visibility vs cash forecasting: What’s the difference? Although the terms are often used together, cash visibility and cash forecasting serve different purposes. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1d9699c0a609761446e13d73b3efe6ea96d96b65-6400x5572.jpg&w=3840&q=100) ## Why cash visibility usually come first? Before finance teams can project future liquidity, they need a clear understanding of the company’s current cash position and upcoming cash movements. But if this information is incomplete or outdated, even the most advanced forecasting models will end up producing unreliable results. For example, a startup estimating runway using two weeks-old bank data or incomplete receivables information may significantly miscalculate its projected liquidity. Even small errors in the underlying data can distort forecasts and lead to incorrect assumptions about how much cash the business actually has available. This is why cash visibility has to come before forecasting maturity. Startups that invest first in improving cash visibility, by consolidating financial data and maintaining a real-time view of liquidity are better positioned to build accurate and actionable cash forecasts. The question then becomes: what does it actually take to get there, and what separates startups that achieve it from those that remain stuck in spreadsheet-driven guesswork? ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff3010bdfad0dc0fae0a027959154292e4c43a65f-6624x3188.jpg&w=3840&q=100) ## Why do startups struggle with cash visibility? For most scaling startups, the gap isn't awareness. Finance leaders already know visibility matters. The real barrier is structural. As companies expand across markets, their financial data fragments faster than their teams can consolidate it. Three compounding factors make this especially difficult to solve with existing tools. ### Fragmented financial systems Cash data typically lives across multiple systems including bank portals, ERP platforms, payroll tools, and payment processors. Without an integrated treasury system, finance teams are forced to manually pull and consolidate this information. ### Spreadsheet-heavy workflows Once the data is collected, it usually ends up in spreadsheets. While spreadsheets work for basic tracking, they quickly become difficult to maintain as transaction volumes grow. By the time balances are reconciled, the cash view is already outdated. ### Multi-entity and multi-currency complexity Scaling startups often operate across multiple entities, countries, and currencies. It can introduce challenges such as FX exposure, separate banking relationships, and fragmented balances across regions. As a result, cash ends up scattered across accounts, making it harder for finance teams to understand the company’s true liquidity. Solving these challenges requires more than a better spreadsheet or an additional bank integration. It requires a connected financial infrastructure–one that pulls live data from across your banking relationships, ERPs, and accounting systems into a single, continuously updated view. This is the foundation that makes accurate forecasting possible. And it's the problem Finmo was built to solve, specifically for startups scaling globally, where complexity compounds faster than traditional treasury tools can keep up. ## How Finmo helps CFOs achieve cash visibility and forecasting For many scaling startups, the challenge isn’t understanding the importance of cash visibility or forecasting, it’s building the infrastructure needed to support both. Finmo is a treasury management system built specifically for startups scaling globally. Instead of forcing finance teams to adopt complex enterprise treasury software, Finmo provides the core capabilities startups need to [manage liquidity](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)), forecasting, and payments through a single connected system. ### Real-time global cash visibility Finmo’s connected treasury platform aggregates financial data across banks, ERPs, and accounting systems to create a unified view of liquidity. CFOs gain continuous visibility into: - Where cash sits across bank accounts and currencies - How liquidity is moving across entities and accounts - FX exposures across currencies that may require hedging - Upcoming receivables and payables that affect working capital With this consolidated view, startup CFOs can answer investor and board questions faster, monitor runway more accurately, and make liquidity decisions with greater confidence. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F58023fa4d0b042379384982a31c61e567d237623-5760x3824.png&w=3840&q=100) ### Dynamic cash flow forecasting Finmo’s cash flow forecasting engine combines live financial data, including bank transactions, invoices, receivables, and payables to generate continuously updated liquidity projections. With Finmo’s dynamic cash flow forecasting, CFOs can: - Project future cash positions using real-time financial data - Model scenarios such as delayed customer payments, accelerated hiring, or unexpected expenses - Adjust forecasting assumptions and instantly visualize the impact - Enable scenario simulation to test best- and worst-case outcomes and compare them side by side ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F57c6fbf92ab6d02eb8f0cb6cb40f57dd82e67d37-5760x3824.png&w=3840&q=100) The result is a single, cohesive view of both current liquidity and future cash positions, allowing finance teams to move from reactive cash monitoring to proactive liquidity planning. Connect your accounts and start managing your treasury with real-time visibility and accurate forecasting in minutes. [Get started with Finmo](https://dashboard.finmo.net/signup?_gl=1*kwqbe8*_gcl_au*NDI4ODgxNjIwLjE3NzI2MTIwMTQ.*_ga*MTIzMzMyNDgwMC4xNzQzNzU2MzA4*_ga_FVTPQLQCYH*czE3NzMxMjU1NzAkbzYzJGcxJHQxNzczMTI1ODY2JGoxNCRsMCRoMA..) ## FAQs ### What is the difference between cash visibility and cash flow forecasting? Cash visibility involves understanding your company’s current cash position in real time, including balances, inflows, and outflows across accounts and entities. Cash flow forecasting, on the other hand, focuses on predicting future cash movements over a specific time horizon. In practice, forecasting depends on accurate visibility. ### Why is real-time cash visibility important for startups? Real-time cash visibility helps CFOs track liquidity across multiple bank accounts, entities, and currencies. This visibility allows finance teams to monitor runway, manage payments, and respond quickly to changes in cash flow. Without a clear and up-to-date view of cash, leadership teams may make decisions based on outdated information. ### How can startups improve cash visibility and forecasting? Startups can improve cash visibility and forecasting by consolidating financial data across bank accounts, ERPs, and accounting systems into a single platform. Treasury management systems like Finmo automate reconciliation and provide real-time dashboards, allowing finance teams to track liquidity and generate dynamic forecasts without relying on spreadsheets. ### How do startups improve cash flow forecasting accuracy? Startups improve forecasting accuracy by building forecasts on real-time, reliable data instead of static spreadsheets. This includes integrating bank accounts, accounting systems, and payment data into a single source of truth. Finance teams should also regularly update assumptions, track forecast vs actuals, and run scenario analyses to account for uncertainty. ### How does treasury software help with cash forecasting? Treasury software like TMS can improves cash forecasting by automatically aggregating financial data across systems and updating forecasts in real time. Instead of relying on manual inputs, finance teams get dynamic projections based on live cash positions, receivables, and payables. This allows CFOs to model different scenarios, respond quickly to changes, and make more confident liquidity decisions. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4245a2d46092953f64480c0d42d74e4a9e80bdbb-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **The CFO's guide to cash intelligence: Visibility, forecasting and payments**\\ \\ Read more](https://www.finmo.net/resources/blog/cash-intelligence-guide) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F268114baf098154910dffd1806072d5e28b9788f-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **A practical guide to treasury management for startups**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-for-startups) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility#) Reject AllAccept All ## FX Risk Management Insights Blog # FX risk management: Deconstructing hedging complexity for SMEs ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100) In this article: - [FX Risk Is Real and Can Be Devastating](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes#fx-risk-is-real-and-can-be-devastating) - [Why SMEs Often Neglect FX Risk Management](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes#why-smes-often-neglect-fx-risk-management) - [A Simple Framework for FX Risk Management](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes#a-simple-framework-for-fx-risk-management) - [Finmo: Your Technology Partner for Smarter FX Risk Management](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes#finmo-your-technology-partner-for-smarter-fx-risk-management) Share: - Link copied ## FX Risk Is Real and Can Be Devastating Foreign exchange (FX) volatility continues to pose a significant financial risk for businesses operating internationally. While large corporations often have dedicated treasury teams and sophisticated risk management strategies, many small and medium-sized enterprises (SMEs) remain unprepared for currency fluctuations. Recent global events have demonstrated how severe FX swings can impact companies' bottom lines: In 2023, major corporations like Adidas, BBVA, Citi, Dow Chemical, Halliburton, Puma, and Sherwin-Williams reported over $3.3 billion in FX losses due to the devaluation of the Argentine peso. Nigerian companies suffered FX losses amounting to a staggering N1.7 trillion in 2023, exacerbating financial distress in a challenging economic climate. Sapura Energy reported a net loss of RM5.2 million in Q2 2025, driven by RM101 million in forex losses, compared to a net profit of RM42.8 million the previous year. The collapse of the Turkish lira in late 2024 resulted in billions of dollars in losses for businesses operating in Turkey, particularly affecting import-reliant industries. The Japanese yen's sharp depreciation in early 2025 led to cost surges for SMEs importing raw materials, pushing several companies to the brink of insolvency. These examples highlight the persistent and unpredictable nature of FX risk, which can erode profit margins, disrupt cash flows, and create significant financial instability for businesses of all sizes. ## Why SMEs Often Neglect FX Risk Management Despite the clear risks, many SMEs struggle to manage FX exposure effectively due to several factors: 1. Lack of expertise and resources – Assessing and implementing hedging strategies becomes challenging without in-house treasury teams or FX professionals. 2. Limited access to hedging instruments – Banks often impose minimum transaction sizes or collateral requirements that SMEs find difficult to meet. 3. Insufficient technology and data analytics – Effective FX risk management requires accurate forecasting and monitoring tools, which many SMEs lack. 4. Absence of formal risk management policies – Without a structured framework, FX decisions tend to be inconsistent and reactive. 5. Lack of awareness – Many SMEs assume that FX fluctuations will balance out over time or underestimate the potential financial impact. ## A Simple Framework for FX Risk Management Despite these challenges, SMEs can implement a straightforward yet practical approach to managing FX risk. The key is consistency and discipline rather than complexity. A successful FX risk management framework should include: 1. Developing a formal written policy that outlines hedging strategies, objectives, and risk thresholds. 2. Utilizing simple and effective hedging instruments such as forwards and options to protect against currency fluctuations. 3. Avoiding speculative trading and complex derivatives that may introduce unnecessary risk. 4. Clearly defining roles and responsibilities within the organization to ensure accountability. 5. Regularly reviewing and updating the FX strategy to align with market conditions and business objectives. By implementing these principles, SMEs can safeguard their profits, reduce financial uncertainty, and build a stable foundation for international expansion. ## Finmo: Your Technology Partner for Smarter FX Risk Management Navigating FX risk doesn't have to be overwhelming. Finmo provides SMEs with a robust technological solution to streamline FX risk management and hedging strategies. With Finmo, you gain: Real-time visibility and analytics of your FX exposure. Simplified hedging strategies that integrate seamlessly with your risk management policies. Access to competitive interbank liquidity and pricing, ensuring cost-efficient execution. Optimized hedging recommendations tailored to your specific business needs. Don't let currency volatility dictate your financial stability. With Finmo, you can take control of your FX risk and protect your business from unexpected currency fluctuations. Sign up today at [www.finmo.net](https://www.finmo.net/) to explore how Finmo can help your business achieve effective FX risk management. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9928971c354b39fb833a260bcc3741bd30b1e64a-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management: The foundation your startup needs to thrive**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-startup-guide) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F70200e8bbe11f57162b669bc461a3c0c21ca99fc-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Scaling cross border payments for marketplaces**\\ \\ Read more](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbef6c5bf7ebb708014039b732aa07e9893da6955-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Beyond payroll: Building a future-ready finance stack for BPOs**\\ \\ Read more](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes#) Reject AllAccept All ## CFO Strategy Insights Blog # From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4efc58c2a9dff8a11b449171a6f66eaa00e0529b-3000x2992.jpg&w=3840&q=100) Written by Jonathan Lew ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100) In this article: - [Why Traditional “Data-Driven” Finance Falls Short](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge#why-traditional-data-driven-finance-falls-short) - [Connected Intelligence: A New Way of Working](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge#connected-intelligence-a-new-way-of-working) - [Lessons from Our Journey at Finmo](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge#lessons-from-our-journey-at-finmo) - [Why Real-Time Cash Visibility Is the CFO’s Edge](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge#why-real-time-cash-visibility-is-the-cfos-edge) - [Building the Connected Finance Function](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge#building-the-connected-finance-function) - [The Future Belongs to CFOs Who Embrace Connected Intelligence](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge#the-future-belongs-to-cfos-who-embrace-connected-intelligence) Share: - Link copied The CFO Role Has Changed, and So Has the World. When I first stepped into the CFO role, my remit looked very different than it does today. Traditionally, CFOs were expected to close the books, manage audits, and ensure compliance. Vital work, but largely backward-looking. Fast-forward to 2025, and the job has transformed. Today’s CFO isn’t just the guardian of financial accuracy. We’re growth partners, risk navigators, and decision enablers. The challenge? Balancing **control** and **speed** at the same time. And while our role has evolved, so has the world. Businesses now operate at **global scale and relentless speed** from Day 1. Capital moves across borders instantly, teams work across time zones, and investors demand real-time answers. Yet many finance teams are still operating with the same fragmented tools and processes that held us back a decade ago. ## Why Traditional “Data-Driven” Finance Falls Short Finance has always been about data. Budgets, P&Ls, forecasts - they’re the lifeblood of our profession. But here’s the problem: the way we handle data hasn’t kept up with the way we run businesses. - Data is trapped in **silos**: bank portals, accounting software, ERP systems, spreadsheets. - Teams spend hours just **fetching, cleaning, and reconciling** numbers before they can even begin to analyze. - By the time insights are ready, the moment for action has often passed. This is why I believe it’s not enough for CFOs to call themselves “data-driven.” We need something more powerful: **connected intelligence.** ## Connected Intelligence: A New Way of Working At Finmo, we define connected intelligence as the ability to **automatically integrate financial data from every critical source - banks, ERP, accounting, and payment systems into a single, real-time view.** Instead of wasting time pulling statements, reformatting CSVs, and reconciling spreadsheets, connected intelligence gives you: - **Real-time cash visibility** across all entities, currencies, and markets. - **Automated reconciliation** so accuracy doesn’t depend on manual effort. - **Integrated controls** that enforce governance without slowing down execution. This isn’t about adding another tool to the stack. It’s about creating a single source of truth that the entire business from finance to sales to leadership can trust and act on instantly. ## Lessons from Our Journey at Finmo When I joined Finmo, we were a pre-revenue startup with ambitious goals: expand into six countries in 12 months. We had no finance systems in place, barely an invoicing engine, and certainly no consolidated data environment. The only way we achieved that target and turned profitable along the way was by rethinking how we handled financial data. Instead of spreadsheets and manual processes, we built automated integrations that pulled live data from banks and systems, feeding into a connected treasury platform. This gave us the confidence to scale quickly while staying compliant. More importantly, it created a foundation where growth and control could coexist. What once felt impossible became manageable; not because we worked harder, but because we worked with connected intelligence. ## Why Real-Time Cash Visibility Is the CFO’s Edge Ask any CFO what keeps them up at night, and the questions are rarely tactical. They’re existential: - Do we have the liquidity to fund expansion before competitors move? - How exposedAsk any CFO what keeps them up at night, and the questions are rarely tactical. They’re existential: - Are we to currency volatility or macroeconomic shocks? - Can we generate predictable cash flow to sustain both growth and resilience? - Are we deploying capital in the most efficient way to maximize ROI? - Do we have the agility to pivot if markets, investors, or regulators shift overnight? These are the questions that define the CFO’s influence in the boardroom. Yet too often they’re answered with **outdated, incomplete, or siloed information,** mostly a spreadsheet pulled days late, or a reconciled report that reflects the past rather than the present. **Real-time visibility changes that.** With integrated data and connected intelligence, CFOs can: - **Model future outcomes with confidence:** Running accurate cash forecasts within minutes, not weeks. - **Navigate uncertainty proactively:** Simulating what-if scenarios around expansion, capital allocation, or market shocks. - **Uncover hidden levers of value:** Identifying inefficiencies across receivables, payments, FX exposure, and working capital. - **Command strategic influence:** Speaking the language of the board with forward-looking insights, not after-the-fact reports. Real-time visibility doesn’t just make finance faster. It makes finance smarter and **positions the CFO as the executive best equipped to bridge operational detail with strategic decision-making.** ## Building the Connected Finance Function So how can CFOs get there? It starts with building a finance function that is connected, automated, and strategically aligned. Three practical steps stand out: ### 1\. Automate Data Collection Integrate directly with your banks, ERP, and accounting systems into a single connected dashboard. Eliminate manual downloads, reconciliations, and formatting exercises that drain time and introduce errors. Automation ensures your team spends less time fetching data and more time interpreting it. ### 2\. Consolidate into a Single Source of Truth Create connected intelligence by ensuring that finance teams, executives, and stakeholders all operate from the same real-time dataset. Yes, change management can be resource-intensive, but the payoff is lasting: alignment, speed, and credibility across the business. ### 3\. Automate AR/AP Workflows with Embedded Controls Operational efficiency is achieved when governance is built into processes, not added on top. Embedding approval flows, audit trails, and automated reconciliations into AR and AP workflows ensures control without slowing execution, enabling scale with confidence. ## The Future Belongs to CFOs Who Embrace Connected Intelligence The CFO’s role will only grow more complex. Market volatility, regulatory pressure, tariffs and the expectation of real-time answers aren’t going away. What will separate the CFOs who lead from those who lag is the ability to harness connected intelligence: automating the routine, integrating the fragmented, and unlocking visibility across the enterprise. Finance has always been about data. The difference now is that **with Finmo, CFOs can finally spend less time fetching it, and more time using it to shape the future of their business.** ### Ready to Build Your Connected Finance Function? At Finmo, we’re helping CFOs move beyond spreadsheets and fragmented systems by delivering connected intelligence, automated workflows, and real-time cash visibility in one unified platform. If you’re ready to spend less time chasing data and more time shaping strategy, explore how Finmo can help you build a finance function designed for growth and control. [Discover Finmo’s Treasury Platform](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4efc58c2a9dff8a11b449171a6f66eaa00e0529b-3000x2992.jpg&w=3840&q=100) Written by Jonathan Lew Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F994f5f26bf09da1bc10aa78495786e5c89bb481c-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **BPO industry case study: Modernizing payments & treasury operations with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbef6c5bf7ebb708014039b732aa07e9893da6955-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Beyond payroll: Building a future-ready finance stack for BPOs**\\ \\ Read more](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge#) Reject AllAccept All ## Instant Gratification Benefits Blog # When instant gratification can be beneficial ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F656e4a0bf37003ba91df31b4d5836164e026284e-3200x1800.webp&w=3840&q=100) In this article: - [What does this mean for default global companies?](https://www.finmo.net/resources/blog/when-instant-gratification-can-be-beneficial#what-does-this-mean-for-default-global-companies) Share: - Link copied Maintaining control over your financial systems is one of the rare situations where instant gratification is a net positive. In a world where everything from content streaming to digital commerce must happen now to be (and stay) relevant, the overload is often overwhelming. Speed has always been valorised, but patience and circumspection seem to have taken a backseat in the auditorium of virtues. This is not meant to be a philosophical musing so I will stop here. What I can confidently say is that business-critical functions have benefited from data moving at the speed of thought. Here at Finmo , Treasury forms a critical piece of the puzzle in how we manage our financial operations and systems daily. Clients do not (and should not) have to witness how the magic happens under the (admittedly sometimes-oftentimes-okay really all the time messy) hood, only that it does. For us to be able to meet all our clients’ needs, Financial operations teams need instant gratification. Finmo processes over US$1b a month in volume across its suite of products — from payments to excess liquidity management. Here’s the secret — managing treasury is about managing data efficiently, not cash flow. Things would not work smoothly if our Treasury Operating System (TOS) did not capture and understand data instantly. Finmo’s TOS pulls data from our myriad pipes, repositories, silos, and databases immediately, and applies intelligence to ask the right questions: - Do I have financial risk? - Where do I need liquidity the most? - Am I exposed to certain currencies and do I need to hedge? - Am I maximising returns on my cash? Perhaps most critically, the output is easily consumable — everyone from the CFO to the intern on their first day can understand what needs to be done through a single look at the dashboard. Without this actionable, consumable data, the under-the-hood magic becomes a messy entanglement of missed opportunities, missed payments, and missed revenue. ## What does this mean for default global companies? Most companies don’t know they have a treasury problem until it’s too late. Landing and expanding into the global arena at speed is all well and good until you have 30+ bank accounts and 50+ currencies to manage and a single, shared and manually updated Google sheet (with 30 other tabs) with which to do it. Let your Treasury and Finance teams utilise the speed of now — if TikTok is humming away in the background, crafting the perfect video to satiate your current sensibility, shouldn’t your Treasury platform be able to do the same for your company? A system that monitors, analyses, and stores financial data in real-time, all the time will ensure your Treasury game is brought into 2025. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F99c621cf4e75e7fd4f9a9746ae7218333db54afd-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **Transaction categorization and Its importance in accounting**\\ \\ Read more](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F87d7134d9e05b5ccc8a116710c3be3fd2ac33f88-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **AI in fintech: Why CFOs are shifting from generic tools to purpose-built intelligence**\\ \\ Read more](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/when-instant-gratification-can-be-beneficial#) Reject AllAccept All ## AI in Fintech Blog # The rise of AI in fintech: How CFOs are reimagining financial operations ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100) In this article: - [Where AI creates the most impact in financial operations](https://www.finmo.net/resources/blog/ai-in-fintech#where-ai-creates-the-most-impact-in-financial-operations) - [The challenges of AI in Fintech](https://www.finmo.net/resources/blog/ai-in-fintech#the-challenges-of-ai-in-fintech) - [How Finmo embeds AI into everyday finance](https://www.finmo.net/resources/blog/ai-in-fintech#how-finmo-embeds-ai-into-everyday-finance) - [Bring AI to your finance operations](https://www.finmo.net/resources/blog/ai-in-fintech#bring-ai-to-your-finance-operations) Share: - Link copied AI adoption in financial services increased from [58% in 2022 to over 75% in 2024](https://aimagazine.com/news/the-new-engine-room-the-rise-of-ai-in-fintech). And this increase isn’t surprising at all. CFOs and finance teams are now dealing with more data than ever, and they are under more pressure than ever to reconcile faster, forecast better, and keep liquidity visible across all global entities. AI has become the silent engine driving this change. By processing data and identifying trends in real time, AI helps finance teams improve cash flow, manage risks, and plan ahead with confidence. Let’s take a look at where AI is creating a massive impact in finance–and how Finmo brings that power into the CFO’s daily workflow. ## Where AI creates the most impact in financial operations ### 1\. Automated reconciliation For many finance teams, reconciliation remains one of the biggest drains. In Singapore, [75% of SMEs say](https://cfotech.asia/story/singapore-smes-turn-to-saas-platforms-to-boost-efficiency-growth) that reconciling payments is a significant challenge. On average, medium-sized businesses spend up to 7 hours a week just on reconciliation. AI changes that by matching transactions, invoices, and bank feeds in real time and automatically identifying discrepancies and anomalies. For CFOs, that means fewer manual checks, faster month-end closes, and a cleaner audit trail. ### 2\. Fraud detection and risk management As financial operations become faster and more digital, fraud prevention has to evolve in real time. AI-driven systems can now analyze billions of data points, from transaction histories to user behavior patterns, to identify and stop anomalies before payments even go through. For instance, J.P. Morgan Chase reported that AI-driven payment validation screening led to a [15-20% reduction in account validation rejection rates](https://www.jpmorgan.com/insights/payments/payments-optimization/ai-payments-efficiency-fraud-reduction) and significant cost savings. JP Morgan also uses AU to automatically show insights to their clients when they need them. Similarly, EY found that [AI improves risk management](https://www.ey.com/en_gr/insights/financial-services/how-artificial-intelligence-is-reshaping-the-financial-services-industry) by detecting fraud patterns earlier, resulting in fewer defaults and lower risk provisions. For CFOs, this translates to stronger financial controls, faster issue resolution, and a measurable reduction in operational risk. ### 3\. Cash flow forecasting and liquidity planning Forecasting accuracy has long been a challenge for finance teams. AI models can now process live ERP data, bank transactions, and external data such as FX fluctuations or payment trends to project inflows and outflows dynamically. CFOs gain early visibility into shortfalls and can take action before problems arise. In fact, according to McKinsey, AI-powered forecasting models have been shown to [reduce error rates by up to 50%](https://www.mckinsey.com/capabilities/operations/our-insights/ai-driven-operations-forecasting-in-data-light-environments) compared to traditional spreadsheet-based analytic methods. Beyond prediction, AI’s real-time data integration and pattern recognition give CFOs a complete view of liquidity. Machine learning algorithms aggregate structured and unstructured data from ERP, CRM, and market feeds, while natural language processing (NLP) can extract insights from news, social media, and regulatory updates to anticipate changes in cash flow. AI also enhances scenario simulation and stress testing. Instead of relying on a handful of predefined models, AI can generate thousands of scenarios–simulating events like currency devaluation, customer defaults, or supply chain disruptions. ## The challenges of AI in Fintech For all its promise, AI adoption in finance is not without complexity. Here are the key challenges of implementing AI in your finance operations: - **Data privacy and security:** Financial data is among an organization’s most sensitive assets, often distributed across global entities and regulatory environments. Maintaining compliance while leveraging AI’s analytical power requires governance and tight access controls. - **Ethical AI:** One of the subtler risks in AI adoption is algorithmic bias–when models unintentionally favor or disadvantage certain outcomes because of the data they were trained on. In a financial context, that could mean inaccurate risk assessments, uneven payment prioritization, or misleading liquidity predictions. For CFOs, the risk is both strategic and reputational. Ensuring fairness in AI systems is a compliance requirement and very crucial for responsible financial management. - **Cultural and strategic dimension:** Many finance teams have spent years refining spreadsheet-driven workflows, so introducing AI can feel disruptive if not properly managed. The challenge lies in helping teams understand that AI is not replacing their expertise, but amplifying it by taking over repetitive tasks so they can focus on strategic analysis and decision-making. When teams see AI as a trusted partner rather than an external system, adoption becomes smoother and its impact more meaningful. ## How Finmo embeds AI into everyday finance Finmo acts as your finance command centre–consolidating payments, FX, AR/AP, bank accounts, analytics, and forecasting into one connected platform. By integrating directly with your global bank accounts, ERPs, and accounting systems, it unifies financial data across currencies, entities, and regions. This connected intelligence eliminates manual reconciliations and fragmented reporting, giving CFOs instant visibility and actionable insights. As a result, they spend less time chasing numbers and more time driving growth. Here’s how Finmo is using AI to transform financial operations: Smarter cashflow forecasting and analytics Finmo’s AI-powered forecasting engine replaces that lag with automation, precision, and continuous learning. - **Predictive insights:** Finmo can analyze historical payment patterns, account balances, FX rates, and market movements to project future cash flows with greater accuracy. - **Scenario simulation:** Finance teams can instantly model ‘what-if’ situations (such as delayed receivables and currency volatility) to test the liquidity resilience of the company under multiple conditions. - **Continuous updates:** Real-time data feeds ensure forecasts automatically adapt as transactions, markets, and business conditions evolve. ### Conversational finance with MOAI At the heart of Finmo’s intelligence lies MOAI–our conversational AI assistant that transforms how finance teams interact with data. - **Ask, don’t search:** Instead of digging through reports or dashboards, just directly ask MOAI about your business’s numbers and projections–whether it's last week’s outflows by currency or projected liquidity next quarter. MOAI understands and responds with precise, contextual insights. - **Act faster:** Beyond analysis, MOAI can trigger payments, initiate transfers, or generate reports, all from within the same chat interface. - **Learn and adapt:** Over time, MOAI learns user behavior and context, tailoring insights and actions to each finance leader’s preferences. ### Streamlined KYB with Trulioo Compliance has traditionally been a bottleneck for finance operations as it can be slow, manual, and error-prone. Finmo removes that friction by integrating with Trulioo, a leading global identity verification platform. Through Trulioo’s AI-driven verification engine, Finmo automates: - **Identification & Verification (ID&V)**, including facial biometric validation **Company report extraction and validation** for Know Your Business (KYB) processes This automation eliminates manual document handling, accelerates onboarding, and strengthens compliance, even across highly regulated markets. ## Bring AI to your finance operations See how Finmo helps CFOs turn complexity into control with smarter forecasting, automated reconciliation, and intelligent liquidity management. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F70200e8bbe11f57162b669bc461a3c0c21ca99fc-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Scaling cross border payments for marketplaces**\\ \\ Read more](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F55e5d3b00c4c7985f2bdb82e007b1df683e86801-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **How SMEs can compete like big corporates with the right financial intelligence platform**\\ \\ Read more](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F994f5f26bf09da1bc10aa78495786e5c89bb481c-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **BPO industry case study: Modernizing payments & treasury operations with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/ai-in-fintech#) Reject AllAccept All ## Modern Treasury Strategy Blog # From payments to strategy: How modern treasury operations enables business agility ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4efc58c2a9dff8a11b449171a6f66eaa00e0529b-3000x2992.jpg&w=3840&q=100) Written by Jonathan Lew ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100) In this article: - [Traditional Treasury Infrastructure Creates Blind Spots](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury#traditional-treasury-infrastructure-creates-blind-spots) - [Why 2025 Is the Tipping Point](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury#why-2025-is-the-tipping-point) - [Reframing Treasury as the CFO’s Growth Radar](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury#reframing-treasury-as-the-cfos-growth-radar) - [The Competitive Advantage of Modern Treasury Infrastructure](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury#the-competitive-advantage-of-modern-treasury-infrastructure) - [How Finmo Transforms Treasury for the Modern CFO](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury#how-finmo-transforms-treasury-for-the-modern-cfo) - [The Future Starts Now](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury#the-future-starts-now) Share: - Link copied The role of the modern CFO has grown significantly. No longer simply a ‘guardian of ledgers’, CFOs are now expected to be a strategist, tech-savvy risk navigator, and orchestrator of capital in an era of uncertainty. They must guide the company through supply chain disruptions, interest rate volatility, foreign exchange (FX) fluctuations, and rising regulatory complexity. “The expectations of today’s CFO go far beyond financial stewardship,” says Jonathan Lew, Chief Financial Officer at Finmo. “We’re asked to steer through uncertainty, guide digital adoption, and partner with the CEO on growth strategy. But you can’t do that if you’re flying blind on cash, liquidity, and risk. In 2025, treasury is no longer a back-office concern—it is the cockpit of strategy. CFOs who lack real-time control of cash, risk, and liquidity aren’t just behind on efficiency; they are compromising growth and resilience.” Despite these high expectations, the most vital strategic element, **treasury operations**, is often overlooked. [Many mid-market CFOs only engage with treasury operations during a crisis](https://review.insignia.vc/2025/03/19/treasury-management/), whether it's a liquidity squeeze, FX revaluation, or challenges arising from global expansion. As Jonathan puts it: “Too often, treasury only comes to the surface when there’s a problem. That reactive posture means we miss the chance to use treasury as a proactive driver of value.” Without real-time systems to oversee cash, liquidity, and risk, CFOs are forced to make strategic decisions based on outdated reports rather than current insights. ## Traditional Treasury Infrastructure Creates Blind Spots [In many organisations, treasury infrastructure remains fragmented](https://www.citigroup.com/rcs/citigpa/storage/public/Citi_CRI_Use_Case_Operational_Efficiency.pdf). Liquidity is spread across multiple bank accounts, currencies, and jurisdictions. Forecasting is static, based on outdated data. Payments, reconciliations, and FX risk assessment occur in disconnected, heavily manual workflows. A striking [43% of finance teams report lacking](https://www.cfo.com/news/how-data-and-analytics-drive-cfo-decision-making-in-tight-times/732552/) the information needed to make informed decisions, according to industry reports. By the end of the month, time many assumptions may already be outdated, affecting decision-making. Meanwhile, the [2025 EACT Treasury Survey](https://cashmanagement.bnpparibas.com/our-solutions/trends-vision/eact-treasury-survey-2025-navigating-new-horizons-corporate-treasury#:~:text=The%20survey%20reveals%20that%20cash,volatility%20and%20supply%20chain%20disruptions.) highlights cash flow forecasting overtaking long-term funding as the toppriority, with increasing demand for improved visibility on inflows and outflows. However, many treasuries still depend on batch reporting and offline spreadsheets, missing the chance to act with greater agility. ## Why 2025 Is the Tipping Point Treasury operations have always been essential, but their operational reality has lagged behind their strategic importance. A decade ago, treasury operations were still a monthly or quarterly process. Data flowed in batches, often days or weeks after events. Forecasts were created in spreadsheets, reconciliations were manual, and execution was handled in separate systems from reporting. In the last five years, [APIs started to link banks with ERPs](https://www.jpmorgan.com/insights/treasury/digital-solutions/apis-modern-day-treasury), instant payment schemes appeared, and [early AI tools hinted at predictive capabilities](https://www.jpmorgan.com/insights/treasury/liquidity-management/ai-driven-cash-flow-forecasting-the-future-of-treasury). But adoption remained inconsistent, and many CFOs still viewed treasury infrastructure as an operational afterthought. The year 2025 marks a pivotal moment. Jonathan notes: “For the first time, the technology is mature, affordable, and accessible. APIs, instant payments, and AI forecasting aren’t future tools - they’re available now. The CFOs who embrace them will redefine how treasury supports strategy.” ## Reframing Treasury as the CFO’s Growth Radar When redefined as a strategic pillar, treasury helps detect risks and spot opportunities. “It tells you where the risks are coming from and where the opportunities lie. With the right infrastructure, you’re no longer reacting to yesterday’s numbers, you’re shaping tomorrow’s decisions,” Jonathan explains. A strategic treasury operation delivers: - Integrated liquidity management: Centralising visibility of all cash positions across entities and currencies allows CFOs to pool funds, optimise interest income, and reallocate capital in hours rather than days. - Unified FX and risk visibility: Live tracking of currency exposures means finance leaders can lock in favourable rates before market swings erode margins. - Connected cash flow and payments framework: By linking payment execution directly to forecast models, treasury can ensure every outgoing transfer is aligned with projected inflows. The 2025 PwC survey data shows that CFOs operating with this integrated approach are [1.7 times more likely to participate in C-suite strategic decision-making.](https://www.pwc.com/us/en/services/consulting/business-transformation/library/2025-global-treasury-survey.html) ## The Competitive Advantage of Modern Treasury Infrastructure As of 2025, real-time treasury management has shifted from a competitive advantage to an industry standard. Instant payment systems and API-based bank connectivity now enable CFOs and treasury teams to monitor cash flows continuously and make adjustments within the same day. The real transformation is strategic. CFOs who adopt modern treasury infrastructure can anticipate challenges, respond more quickly than competitors, and build confidence among boards and investors The real transformation is strategic. CFOs who adopt modern treasury infrastructure can anticipate challenges, respond more quickly than competitors, and build confidence among boards and investors. Investor expectations are shifting too. Boards and shareholders increasingly demand real-time clarity on liquidity and risk exposure, and research shows that [companies with integrated treasury reporting are more likely to secure favourable credit terms](https://assets.kpmg.com/content/dam/kpmg/pdf/2016/05/sg-The-Structure-Role-and-Location-of-Financial-Treasury-centres.pdf) and inspire investor confidence. Modern treasury isn’t only about internal control, it’s equally about external trust. Boards, investors, and lenders want real-time clarity on liquidity and risk before they extend confidence or capital. By modernising treasury infrastructure, CFOs can anticipate challenges, respond faster than competitors, and influence the company’s future with speed, clarity, and foresight. ## How Finmo Transforms Treasury for the Modern CFO Finmo sits at the crossroads of strategy and execution. Its treasury-first design turns infrastructure into outcomes that matter to finance leaders: - **Capital Agility:** Move money with speed and precision, ensuring liquidity is never idle. A centralised view of global cash positions enables faster pooling and redeployment of funds where they’re needed most. - **Risk Resilience:** Mitigate volatility before it hits the bottom line. Real-time reconciliations and embedded scenario modelling keep cash and FX positions accurate, enabling hedges and funding moves based on live data, not stale reports. - **Operational Efficiency:** Cut friction, errors, and wasted hours. Automation reduces manual effort, streamlines reconciliations, and ensures payment flows align with forecast inflows, freeing teams to focus on higher-value work. - **Strategic Clarity:** Spend less time firefighting and more time shaping growth. Forward-looking analytics and scenario planning provide the insight to guide CEO and boardroom conversations with confidence. The system provides not just efficiency, but strategic capacity: CFOs can reallocate capital, respond to FX shifts, and support strategic initiatives—without toggling between systems. ## The Future Starts Now For CFOs, this future is being built today. The infrastructure decisions made now will determine whether their operations are prepared to plug into these innovations or be left behind. > As Jonathan explains: “We are witnessing a pivotal shift. Treasury is moving from a static support function to the CFO’s true operational radar. In real time, strategic treasuries drive capital allocation, risk mitigation, and growth in an unpredictable world. The decisions CFOs make today on treasury infrastructure will define whether they are ready for that future—or left behind by it.” > > Jonathan LewCFO & COO, Finmo Finmo’s approach - connected, integrated, and cloud-native is built for scalability. It provides CFOs with connected, future-facing financial intelligence and the flexibility to start small and expand as they grow, all without displacing their core systems. In 2025, strategy begins with treasury. For the CFO ready to move from payments to ambition, this intelligence is essential. Looking to modernise your treasury operations? [Contact us today.](https://www.finmo.net/contact-us) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4efc58c2a9dff8a11b449171a6f66eaa00e0529b-3000x2992.jpg&w=3840&q=100) Written by Jonathan Lew Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F994f5f26bf09da1bc10aa78495786e5c89bb481c-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **BPO industry case study: Modernizing payments & treasury operations with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbef6c5bf7ebb708014039b732aa07e9893da6955-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Beyond payroll: Building a future-ready finance stack for BPOs**\\ \\ Read more](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F20b23a34bac3b5cd14853a73249e59c073149543-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **3 warning signs your liquidity strategy isn’t working (& how CFOs can fix It)**\\ \\ Read more](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Treasury Management Guide Blog # Treasury management: The foundation your startup needs to thrive ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4e3276e0aa99652e9455c600e38e7556e0774b9d-3000x3000.jpg&w=3840&q=100) Written by Thomas Kang ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9928971c354b39fb833a260bcc3741bd30b1e64a-3200x1800.webp&w=3840&q=100) In this article: - [Understanding Treasury Management for Startups](https://www.finmo.net/resources/blog/treasury-management-startup-guide#understanding-treasury-management-for-startups) - [The Hidden Cost of Fragmented Financial Systems](https://www.finmo.net/resources/blog/treasury-management-startup-guide#the-hidden-cost-of-fragmented-financial-systems) - [The Transformative Power of Integration](https://www.finmo.net/resources/blog/treasury-management-startup-guide#the-transformative-power-of-integration) - [Why Finmo Is Leading the Integration Revolution](https://www.finmo.net/resources/blog/treasury-management-startup-guide#why-finmo-is-leading-the-integration-revolution) - [Taking the Next Step](https://www.finmo.net/resources/blog/treasury-management-startup-guide#taking-the-next-step) Share: - Link copied In the exhilarating rush of building a startup, founders often focus intensely on product development, customer acquisition, and securing funding. These are undoubtedly crucial elements of success. However, beneath these visible pillars of growth lies a critical foundation that, when neglected, can undermine even the most innovative ventures: treasury management. ## Understanding Treasury Management for Startups Treasury management encompasses the comprehensive oversight of your company's financial resources to ensure optimal cash flow, minimized risk, and strategic fund allocation. Think of it as the circulatory system of your business – when functioning correctly, it delivers vital resources exactly where and when they're needed. For early-stage companies, treasury management includes managing daily payments, forecasting future cash needs, tracking expenses, processing invoices, and maintaining visibility into overall financial health. Unfortunately, many startups address these functions piecemeal, adopting different solutions as needs arise rather than implementing a cohesive strategy from the beginning. ## The Hidden Cost of Fragmented Financial Systems When your startup manages finances through a collection of disconnected tools, you're creating invisible inefficiencies that compound over time. Consider the common scenario where a company uses separate platforms for banking, invoicing, expense tracking, and financial reporting. This fragmentation creates several significant challenges: ### Data silos create blind spots When financial information exists in separate systems, you lose the ability to see the complete picture of your company's financial health. This fragmentation makes it nearly impossible to make informed decisions based on comprehensive data. ### Manual processes invite errors Moving information between systems often requires manual data entry, introducing opportunities for mistakes that can have far-reaching consequences. These errors create immediate problems and can distort financial projections and analysis. ### Time drain on limited resources Your team's time is your most valuable asset in the early stages. Hours spent reconciling information across different platforms represent a significant opportunity cost – time that could be invested in growth initiatives. ### Reactive rather than proactive management Without integrated reporting and visibility, identifying concerning trends becomes difficult. By the time issues become apparent, they're often more challenging and expensive to address. ### Scaling difficulties Financial systems that work adequately for a five-person team can become unmanageable as your company grows - the problems of fragmentation compound with scale ## The Transformative Power of Integration Implementing an integrated treasury management approach creates a foundation that supports sustainable growth. By bringing all financial functions onto a single platform, startups can realize benefits that extend far beyond simple convenience: ### Operational clarity A unified system eliminates confusion about where to find specific financial information or how to perform essential tasks. This clarity becomes increasingly valuable as your team grows and financial operations become more complex. ### Real-time financial intelligence When your systems communicate seamlessly, you can access up-to-the-minute insights about your company's financial position. This visibility enables more agile decision-making and strategy adjustments. ### Resource optimization By automating routine financial processes and eliminating duplicate work, your team can redirect their focus toward high-value activities that directly impact growth. ### Enhanced financial controls Integrated systems make implementing consistent approval processes, expenditure policies, and financial governance easier – critical elements for building investor confidence and preparing for future funding rounds. **Scalability**: A well-designed integrated approach can grow with your company, accommodating increasing transaction volumes and more complex financial operations without requiring complete system overhauls. ## Why Finmo Is Leading the Integration Revolution While numerous financial tools promise to solve specific pain points, Finmo offers a comprehensive treasury management platform designed explicitly for growth-stage companies. Finmo's solution goes beyond basic functionality to provide a genuinely integrated approach that addresses the full spectrum of treasury management needs. What sets Finmo apart is its purpose-built architecture, which connects all elements of financial operations - from customer onboarding and real-time payment processing to expense management and cash flow forecasting. This integration eliminates the inefficiencies of multiple systems while providing deeper insights than standalone tools could ever deliver. Finmo's platform offers several distinct advantages: ### Comprehensive visibility Access a unified dashboard that provides a complete view of your financial position across all accounts, invoices, and expenses. ### Streamlined workflows Automate approval processes, payment scheduling, and financial reporting to minimize manual intervention. ### Intelligent forecasting Leverage integrated data to generate accurate cash flow projections and scenario planning. ### Scalable architecture Grow confidently, knowing your financial infrastructure can support expansion without disruptive migrations. ## Taking the Next Step Building a sustainable startup requires not just innovation and market fit but also a solid financial foundation. By implementing an integrated treasury management approach early, you position your company for more efficient growth and avoid the costly restructuring that often becomes necessary when financial systems are cobbled together reactively. Finmo offers the comprehensive solution that forward-thinking founders need. Founded by treasury practitioners who experienced the pain points of fragmented financial systems, Finmo was born from real-world needs. This practitioner-led approach means Finmo's platform reflects a nuanced understanding of treasury workflows that only come from managing startup finances through various growth stages. Ready to transform your treasury management approach? Contact Finmo's solution specialists at [sales@finmo.net](mailto:sales@finmo.net) or visit [www.finmo.net](https://www.finmo.net/) to schedule a personalized demonstration. Your future self – and your investors – will thank you for building on a foundation designed for sustainable growth from day one. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4e3276e0aa99652e9455c600e38e7556e0774b9d-3000x3000.jpg&w=3840&q=100) Written by Thomas Kang Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2be1b497f2e189a8954f3f4e2d02a2a7a27d2c02-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Bringing sexy back to treasury: How modern CFOs are transforming finance operations**\\ \\ Read more](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40ee0450ee103559737f53e59e6a9bc6a604bfc1-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management simplified: A CFO’s guide to cash, liquidity, and FX with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-simplified) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd1dc67e133cde857419b788299969d80b3ad4e1-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **How AI will transform treasury management in the future**\\ \\ Read more](https://www.finmo.net/resources/blog/how-ai-will-transform-treasury-management-in-the-future) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/treasury-management-startup-guide#) Reject AllAccept All ## Finmo Compliance Solutions Blog # Our compliance story: How finmo builds compliance into every transaction ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa1337e0bfdc3c8adcb37053aa131202ec29b6bbc-3200x1800.webp&w=3840&q=100) In this article: - [How Finmo Builds Compliance Into Every Transaction](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction#how-finmo-builds-compliance-into-every-transaction) - [A Smarter Onboarding Experience](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction#a-smarter-onboarding-experience) - [Intelligent Transaction Monitoring That Works Behind the Scenes](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction#intelligent-transaction-monitoring-that-works-behind-the-scenes) - [Security and Privacy, Built In](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction#security-and-privacy-built-in) - [The Bottom Line](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction#the-bottom-line) Share: - Link copied ## How Finmo Builds Compliance Into Every Transaction In today’s fast-moving finance environment, compliance isn’t just about staying within the rules, it’s about earning trust. At Finmo, we’ve made compliance a core part of our platform architecture and company mindset. Why? Because global businesses need more than speed and scalability, they need certainty. Whether you’re moving money across borders, managing liquidity in multiple currencies, or onboarding subsidiaries in new markets, Finmo ensures you do it safely, seamlessly, and in line with local regulations. Here’s how. ### 1\. Compliance by Design, Not by Reaction Most platforms treat compliance as an afterthought. We’ve taken a different approach, embedding compliance into every stage of our product lifecycle. From the moment a new feature is scoped, to the time it reaches our customers, our compliance team partners closely with engineering, product, and operations to ensure everything is aligned with global regulatory standards. This allows us to: - Anticipate and manage compliance risk at scale; - Accelerate go-to-market faster, with fewer retroactive fixes - Deliver a safer, seamless and more pleasant experience for our customers By having a compliance-first design into all aspects of our company, we create solutions that are secure, adaptable, and built to navigate real-world complexity with confidence. At Finmo, compliance isn’t a constraint. It’s a catalyst for better products and trusted growth. ### 2\. Trusted Around the World Finmo is licensed and regulated across some of the world’s most respected financial jurisdictions, demonstrating our commitment to global standards, regulatory integrity, and operational resilience: - 🇸🇬 **Singapore** – Major Payment Institution License from MAS - 🇦🇺 **Australia** – Financial Services License and AUSTRAC registration - 🇳🇿 **New Zealand** – Registered Financial Services Provider - 🇺🇸 **United States** – Registered MSB with FinCEN - 🇨🇦 **Canada** – Registered MSB with FINTRAC - 🇬🇧 **United Kingdom** – EMI (Electronic Money Institution) license from FCA When you work with Finmo, you’re backed by a partner that meets the highest standards of regulatory oversight and operational resilience - so that you can scale your business globally with confidence. ## A Smarter Onboarding Experience Onboarding shouldn’t feel like paperwork. Rather, it should feel like progress. That’s why we’ve reengineered the KYB process from the ground up to be faster, smarter, and globally compliant. By integrating with trusted global data providers, we extract verified company and shareholder information from over 200 registries worldwide, eliminating unnecessary friction without compromising on rigour. This results in: - Fewer manual uploads; - Faster ID verification; - Streamlined workflows purpose-built for finance and ops teams; Our new onboarding flow cuts the process from 11 steps to just 4, all while meeting the highest standards of global regulatory compliance. At Finmo, onboarding isn’t a hurdle, it’s a launchpad where global companies can commence their journey. ## Intelligent Transaction Monitoring That Works Behind the Scenes We take your data and your reputation seriously. That’s why we have secured globally recognised certifications that validates our commitment to the highest standards of security and data protection, such as: - Detects fraud and suspicious activity through a powerful blend of automated rules and AI-driven insights; - Fully configurable across transaction, entity, and platform levels to cater for ongoing risk ratings and operational needs; - Human + AI review loop enables smart escalation and visual analysis of potential high-risk behavior; To further strengthen our defenses, we’ve launched real-time account verification, starting with Australia’s AP+ Confirmation of Payee (CoP). This ensures mismatched or suspicious beneficiary details are flagged before funds are sent, stopping fraud before it happens. And we’re not stopping there. A global rollout is underway, bringing the same level of intelligent protection to more markets through our trusted partners. At Finmo, fraud prevention isn’t reactive. It’s proactive, predictive, and built to keep pace with your ambition. ## Security and Privacy, Built In Onboarding shouldn’t feel like paperwork. Rather, it should feel like progress. That’s why we’ve reengineered the KYB process from the ground up to be faster, smarter, and globally compliant. By integrating with trusted global data providers, we extract verified company and shareholder information from over 200 registries worldwide, eliminating unnecessary friction without compromising on rigour. This results in: - **ISO 27001 –** the international gold standard for information security management systems (ISMS), providing a robust framework for identifying, managing, and reducing risks to information assets; - **SOC 2 –** a rigorous audit framework focused on operational security, availability, processing integrity, confidentiality, and privacy, designed to assess the effectiveness of internal controls in service organizations; - **PCI DSS –** a mandatory security standard for any entity that stores, processes, or transmits credit card data, ensuring the secure handling of cardholder information and protection against data breaches; - **End-to-End Encryption –** a security method that ensures data is fully encrypted from the point of origin to the destination, covering both transmission and storage (‘in transit’ and ‘at rest’), protecting it from unauthorized access; - **GDPR and PDPA –** comprehensive data protection laws in the EU and Singapore, respectively, that govern the responsible collection, processing, and safeguarding of personal data to ensure global compliance with privacy standards. By achieving and maintaining these leading industry standards, Finmo not only safeguards your data and ensures regulatory compliance, but also empowers your business to stay confidently ahead in an ever-evolving digital and financial landscape across the world. ## The Bottom Line At Finmo, compliance isn’t just a requirement, it’s a strategic advantage. It is the foundation that powers our customers to scale faster, move money smarter, and expand globally with unwavering confidence. **Want to learn how Finmo can support your cross-border finance & treasury operations with best-in-class compliance and onboarding?** [Talk to our team →](mailto:sales@finmo.net) Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **FX risk management: Deconstructing hedging complexity for SMEs**\\ \\ Read more](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction#) Reject AllAccept All ## Financial Control Guide Blog # The startup founder's guide to financial control ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd8648cb04946a7d32ec35db534455e4968d34710-4800x2700.webp&w=3840&q=100) In this article: - [Your startup is growing. Your finance stack is lying to you.](https://www.finmo.net/resources/blog/founders-guide-financial-control#your-startup-is-growing-your-finance-stack-is-lying-to-you) - [Global payments without the operational drag](https://www.finmo.net/resources/blog/founders-guide-financial-control#global-payments-without-the-operational-drag) - [What this looks like in practice](https://www.finmo.net/resources/blog/founders-guide-financial-control#what-this-looks-like-in-practice) - [The part most startup finance guides leave out](https://www.finmo.net/resources/blog/founders-guide-financial-control#the-part-most-startup-finance-guides-leave-out) - [The bottom line](https://www.finmo.net/resources/blog/founders-guide-financial-control#the-bottom-line) Share: - Link copied ## Your startup is growing. Your finance stack is lying to you. Most founders know their burn rate. Far fewer know their actual cash position right now, across every account and currency. Here's how to fix that before it costs you. [See how Finmo is built for startups like yours](https://www.finmo.net/get-started/startups) There's a specific kind of dread that hits when your board asks about runway and you're not completely sure of the answer. You know the approximate number. You know what the spreadsheet said last week. But between the bank accounts you haven't checked since Tuesday, the supplier invoice that's probably cleared by now, and the FX conversion you did last month that may or may not be reflected in your accounting tool, the precise answer requires work you haven't done yet. This is the quiet dysfunction underneath most scaling startups. Not fraud. Not mismanagement. Just fragmentation. Financial data scattered across too many disconnected places to ever give you a clear, live picture of where you actually stand. And it starts innocuously. A business bank account. Xero or QuickBooks. A few spreadsheets. A separate payment tool for overseas suppliers. Each one solved a problem in the moment. Together, they've created a system that actively works against you as you scale. The tools that got you to your first million in revenue will not get you to ten million. Not because they're bad tools, but because they were never built to grow with you. Curious what a better finance stack looks like for a startup at your stage? ### What financial control actually looks like for a scaling startup It's not a better spreadsheet. It's not a new accounting tool. It's connecting three things that most startups keep separate: cash visibility, forecasting, and payments, and making sure the data flows between them automatically, in real time. ### See your cash position. Actually. Right now. This sounds obvious. It's surprisingly rare. Most founders have a general sense of their cash position. What they don't have is a live, accurate number that accounts for every bank account, every entity, and every currency, without someone manually pulling it together. The goal is simple: one screen, one number, always current. No logging into three bank portals. No waiting for a report someone ran yesterday. Just the actual state of your finances, visible at any moment. When you have that, every other financial decision gets easier. Payroll timing, supplier negotiations, FX conversion calls, investment decisions. All of them depend on knowing where you actually stand. Real-time cash visibility is not a nice-to-have. It's the foundation everything else is built on. ### Stop estimating your runway. Start modelling it. Most founders run some version of the same forecast: current monthly burn multiplied by months of cash remaining equals runway. It's a useful number. It's also almost always wrong. It doesn't account for the seasonality in your receivables. It doesn't reflect the supplier payment you're about to make. It doesn't model what happens to your cash position if your biggest customer pays 30 days late, which they will, eventually. A real forecast isn't a static calculation. It's a live model that updates as your actuals change, and lets you stress-test decisions before you make them. What happens to runway if you hire two engineers next month? What's the cash impact of expanding into a new market in Q3? What does a 5% adverse move in your primary FX pair do to your operating costs? These are the questions your board will ask. A rolling forecast built on live financial data means you can answer them with confidence, not approximation. [See how cash flow forecasting works on the Finmo platform](https://www.finmo.net/product/cash-flow-forecasting) Is your finance stack ready for your next stage of growth? Talk to someone who works with scaling startups every day. [Speak to our experts](https://meetings-na2.hubspot.com/finmo/sales) ## Global payments without the operational drag At some point, most scaling startups start paying people and businesses in other countries. Contractors, suppliers, a distributed team. And at that point, most founders discover that their bank is a genuinely poor tool for international payments. Slow settlement times. Opaque fees. FX spreads that don't get disclosed until after the transaction. Payment data that has to be manually reconciled because it doesn't connect to your accounting software. It's expensive in ways that are hard to measure and frustrating in ways that are easy to feel. The better model: collect in the currencies your customers pay in, hold balances where it makes sense, and pay out to suppliers and team members in 180+ countries at transparent FX rates, with everything syncing automatically back to your books. That's not a future capability. It's what modern payments infrastructure does today. Managing FX costs across multiple markets? [Explore global payments on Finmo](https://www.finmo.net/product/payments/local-and-cross-border-payments) ## What this looks like in practice A Series B SaaS company managing operations across Singapore, the UK, and Australia was spending the better part of a week on month-end close. Manually pulling bank data from four portals, reconciling FX transactions in a spreadsheet, and chasing payment confirmations from their bank. After moving to a unified platform, their close went from five days to one. Not because they hired differently, but because the data was already there: connected, categorised, and current. That's the compounding value of integrated financial infrastructure. The time savings are real, but the bigger gain is what your finance team does with that time instead. [Read more customer stories](https://www.finmo.net/resources/customer-stories) ## The part most startup finance guides leave out Between funding rounds, startups often sit on significant cash balances. A Series A raise. A revenue milestone that's ahead of planned spend. A strong quarter that's built up reserves. That cash is almost certainly sitting in a current account earning close to nothing. It doesn't have to. Finmo's yield product lets you put idle balances to work, invested in mid-market funds, earning meaningfully better returns than a standard bank deposit, without locking up cash you might need at short notice. For a company holding $2M to $10M between rounds, the difference in return is not a rounding error. It's working capital optimisation, and it's a capability most founders don't realise they can access at this stage. [See how Finmo's yield product can work for you](https://www.finmo.net/product/working-capital-optimisation/yield) ## The bottom line Financial control isn't about having the most sophisticated tools. It's about having the right information, at the right time, without someone on your team spending half their week assembling it manually. A startup that can see its cash position in real time, forecast with confidence, move money globally without friction, and put idle balances to work: that's a startup that can make faster decisions, take smarter risks, and scale without the finance function becoming a bottleneck. The spreadsheet got you here. It won't get you to the next round. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales) [Get started free](https://dashboard.finmo.net/signup) Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb9892a26891b7db5d8b5ce9e6b64a1baccc8dda3-3200x1800.jpg&w=3840&q=100)\\ \\ - Product\\ \\ **What is TMS-Lite? Treasury management solutions explained**\\ \\ Read more](https://www.finmo.net/resources/blog/what-is-tms-lite) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F709d736a0d88ab60065a205b1db416c56c96df10-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management trends for 2026**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4245a2d46092953f64480c0d42d74e4a9e80bdbb-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **The CFO's guide to cash intelligence: Visibility, forecasting and payments**\\ \\ Read more](https://www.finmo.net/resources/blog/cash-intelligence-guide) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/founders-guide-financial-control#) Reject AllAccept All ## AI in Treasury Management Blog # How AI will transform treasury management in the future ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd1dc67e133cde857419b788299969d80b3ad4e1-3200x1800.webp&w=3840&q=100) In this article: - [The AI-Driven Treasury of the Future](https://www.finmo.net/resources/blog/how-ai-will-transform-treasury-management-in-the-future#the-ai-driven-treasury-of-the-future) - [The Road Ahead: AI and Human Collaboration](https://www.finmo.net/resources/blog/how-ai-will-transform-treasury-management-in-the-future#the-road-ahead-ai-and-human-collaboration) Share: - Link copied In today’s fast-paced financial landscape, corporate treasury teams are under increasing pressure to optimize cash flow, manage risk, and drive strategic decision-making. The complexities of global markets, regulatory changes, and economic uncertainties make it imperative for treasury professionals to leverage the latest technology. Artificial intelligence (AI) is set to revolutionize treasury management, unlocking unprecedented levels of efficiency, accuracy, and strategic insight. At Finmo, we believe AI-driven solutions will redefine the role of treasury teams, turning them from reactive managers into proactive financial strategists. ## The AI-Driven Treasury of the Future AI is already making an impact on financial services, but its full potential in treasury management is just beginning to unfold. Here’s how AI will transform the industry in the coming years: ### 1\. Intelligent Cash Flow Forecasting Cash flow is the lifeblood of any organization, and traditional forecasting methods often fall short due to reliance on historical data and manual inputs. AI can analyze vast amounts of structured and unstructured data, detecting patterns that human analysts might miss. Machine learning algorithms will provide treasury teams with highly accurate, real-time cash flow projections. These models will continuously refine themselves, adapting to changes in the business environment, market conditions, and even global economic trends. This means fewer surprises, better liquidity planning, and improved financial resilience. ### 2\. Automated Risk Management and Fraud Detection Treasury teams face numerous financial risks, including currency fluctuations, interest rate volatility, and counterparty risks. AI will enable real-time risk assessment by continuously monitoring market conditions, flagging potential threats, and suggesting mitigation strategies. AI-powered fraud detection will also transform security in treasury operations. Traditional fraud detection methods often rely on predefined rules, but AI can detect anomalies in transaction patterns and flag suspicious activities instantly. This proactive approach will significantly reduce financial fraud and operational risks. ### 3\. AI-Powered Decision-Making with Predictive Analytics Treasury teams are moving beyond historical reporting and towards predictive analytics. AI will enhance decision-making by providing data-driven insights that allow CFOs and treasury leaders to make informed financial moves. For instance, AI can analyze macroeconomic indicators, supply chain disruptions, and geopolitical risks to recommend optimal hedging strategies. It will also help determine the best time for capital investments, debt issuances, or share buybacks by analyzing vast financial datasets in real-time. ### 4\. Real-Time Payment Optimization and Liquidity Management AI will streamline liquidity management by automatically analyzing cash positions, optimizing payment timings, and identifying cost-saving opportunities. Smart algorithms will dynamically allocate funds across bank accounts and investment vehicles to ensure optimal liquidity levels. With AI-driven payment automation, treasury teams will be able to reduce transaction costs, avoid unnecessary fees, and minimize foreign exchange losses. AI will also enhance reconciliation processes by automatically matching transactions, reducing manual workload, and improving accuracy. ### 5\. Treasury Chatbots and Virtual Assistants AI-powered virtual assistants will revolutionize how treasury professionals interact with their systems. Instead of manually extracting reports or navigating complex dashboards, treasury teams will be able to ask AI-powered chatbots for real-time insights. For example, a CFO could simply ask, “What’s our cash position in Europe right now?” or “What are the expected FX risks for the next quarter?” and receive instant, data-backed answers. These virtual assistants will enhance productivity by reducing time spent on routine tasks and freeing up treasury professionals for more strategic initiatives. ## The Road Ahead: AI and Human Collaboration While AI will automate and enhance many aspects of treasury management, human expertise will remain crucial. AI is not here to replace treasury professionals but to empower them with better tools for decision-making. Treasury teams will need to focus on integrating AI with existing financial systems, ensuring compliance with evolving regulations, and developing new skill sets to leverage AI-driven insights effectively. Organizations that embrace AI early will gain a competitive advantage, improving efficiency, reducing risks, and unlocking new growth opportunities. At [Finmo](https://www.finmo.net/), we are committed to driving the future of AI-powered treasury management. The next decade will see a shift from static, manual treasury processes to dynamic, intelligent, and predictive financial management. AI is not just an innovation — it is the future of treasury. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The rise of AI in fintech: How CFOs are reimagining financial operations**\\ \\ Read more](https://www.finmo.net/resources/blog/ai-in-fintech) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F87d7134d9e05b5ccc8a116710c3be3fd2ac33f88-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **AI in fintech: Why CFOs are shifting from generic tools to purpose-built intelligence**\\ \\ Read more](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2be1b497f2e189a8954f3f4e2d02a2a7a27d2c02-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Bringing sexy back to treasury: How modern CFOs are transforming finance operations**\\ \\ Read more](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/how-ai-will-transform-treasury-management-in-the-future#) Reject AllAccept All ## Creator Payout Solutions Blog # Scaling cross border payments for marketplaces ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F70200e8bbe11f57162b669bc461a3c0c21ca99fc-3200x1800.webp&w=3840&q=100) In this article: - [The invisible stress of paying creators at scale](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller#the-invisible-stress-of-paying-creators-at-scale) - [Why platforms outgrow manual and legacy financial systems](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller#why-platforms-outgrow-manual-and-legacy-financial-systems) - [Finmo: The smarter way to scale creator payouts](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller#finmo-the-smarter-way-to-scale-creator-payouts) - [The future of creator payouts](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller#the-future-of-creator-payouts) Share: - Link copied Every creator platform promises the same thing: a way for people to share their work, grow their audience, and get paid fairly for it. From Substack newsletters to Patreon memberships, creator payouts are the backbone of these ecosystems. Yet, as the creator economy expands, now valued at over [$100 billion](https://influencermarketinghub.com/ebooks/Creator_Economy_-_Creator%20Earnings_Benchmark_2021.pdf) with over 50 million creators worldwide, the financial processes underneath are barely keeping up. Hundreds of microtransactions flow in from fans and thousands of payouts go out to creators every month– all of which have to be tracked, converted into the right currencies, and reconciled perfectly. Even the smallest mistakes or delays can lead to major payment issues. In this blog, we look behind the curtain to understand what really causes payout bottlenecks on creator marketplaces–and how Finmo helps fix all of those challenges and streamline global multi-currency payments. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe877dd57ae8645668fbcee02f7cd1d3db8d647c9-3200x1800.webp&w=3840&q=100) ## The invisible stress of paying creators at scale Followers pay in their own currencies; creators want to be paid in theirs. Somewhere in between, the platform must manage conversions, fees, regulations, and timing. And while these may look easy to manage when you are just starting out and only have a few hundred influencers on board, the problem really starts when you start scaling your creator base faster than your payout systems can handle. Every new step introduces new risks and complexities at scale ### High transaction volumes Instead of sending 50 payments a month, you’re processing 5,000–all with different payout structures, commission tiers, and schedules. ### Global complications Every country follows different banking rules and cut-off times. Some regions rely on local clearing systems; others require SWIFT or wire transfers that take days. Of course, you are also required to ensure compliance in every region you operate in. ### Currency conversion When you’re moving money across borders, every conversion costs you. Unfavorable FX rates or hidden transfer fees can quietly eat into your platform’s margins and even reduce what creators take home. ### Liquidity management You need to make sure there’s enough cash to fund payouts, even when revenues fluctuate. Locking too much in your payout accounts ties up capital you could be using to grow. ### Finance teams stuck in reactive mode Every scaling platform eventually hits the same wall: your finance team spends more time fixing payouts than forecasting growth. They’re chasing down failed transfers, reconciling transactions across different systems, and manually preparing reports for tax and compliance audits. All of that effort comes at the cost of missed opportunities. ### Revenue and margin erosion Payout friction also eats into your profit margins. Each time you process a cross-border payment manually without a strategic plan in place, you end up paying more in banking fees, wire charges, and FX spreads than you realize. A recent survey found that [90% of creators](https://thefintechtimes.com/study-finds-nearly-half-of-gig-workers-are-denied-access-to-basic-financial-services/) have experienced issues getting paid, and 41% have even increased their rates to make up for late or inaccurate payments. So when payouts break down, the impact goes far beyond your finance department. In other words, payout inefficiency doesn’t just drain revenue. It puts a ceiling on your growth. ## Why platforms outgrow manual and legacy financial systems Manual reconciliation, siloed systems, and patchwork compliance tools might get you through the early stages, but they don’t scale. The problem is structural: most finance teams managing marketplace platforms start with disjointed systems with separate tools for payments, FX, accounting, and compliance. Each tool solves a small part of the puzzle, but none of them offer full visibility or control. As your creator network scales - Finance teams manage more currencies, more bank accounts, and more compliance layers - Every payout cycle involves repetitive manual tasks - Data lives in silos, making it hard to forecast liquidity or reconcile accounts accurately Without real-time visibility into cash flow, compliance, and payouts, you’re consistently relying on outdated data. By the time your reports are consolidated, transactions have already moved, FX rates have shifted, and new payout requests have come in. It's a cycle that keeps repeating–unless you can find a way to break it. ## Finmo: The smarter way to scale creator payouts Finmo acts as a Treasury Operating System for global platforms, combining payments, reconciliation, liquidity management, and compliance into one intelligent infrastructure. It helps you manage all your incoming and outgoing payouts across every currency, creator, and geography from a single, unified dashboard. Here’s how it changes the game for creator marketplaces dealing with payment bottlenecks: ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F507aa97bfa71550243b87a3c05204ef7488bc757-3200x2808.webp&w=3840&q=100) ## The future of creator payouts As payment networks, currencies, and regulations become more fragmented, creator platforms have a choice: keep patching together outdated systems or build a strong financial foundation that can grow with them. The platforms that lead the next wave of the creator economy will be the ones that manage money as easily as they manage content. Finmo helps you do exactly that, by giving you a single system to manage global payouts, track liquidity, and pay creators accurately, every time. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F55e5d3b00c4c7985f2bdb82e007b1df683e86801-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **How SMEs can compete like big corporates with the right financial intelligence platform**\\ \\ Read more](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The rise of AI in fintech: How CFOs are reimagining financial operations**\\ \\ Read more](https://www.finmo.net/resources/blog/ai-in-fintech) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F994f5f26bf09da1bc10aa78495786e5c89bb481c-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **BPO industry case study: Modernizing payments & treasury operations with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller#) Reject AllAccept All ## Modernizing BPO Payments Blog # BPO industry case study: Modernizing payments & treasury operations with finmo ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F994f5f26bf09da1bc10aa78495786e5c89bb481c-3200x1800.webp&w=3840&q=100) In this article: - [The BPO industry is rapidly evolving](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo#the-bpo-industry-is-rapidly-evolving) - [Systemic challenges in BPO finance operations](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo#systemic-challenges-in-bpo-finance-operations) - [How every role in BPO finance feels the pressure](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo#how-every-role-in-bpo-finance-feels-the-pressure) - [Build a modern, effective finance stack for your BPO with Finmo](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo#build-a-modern-effective-finance-stack-for-your-bpo-with-finmo) Share: - Link copied BPOs move millions every day across borders, currencies, and client accounts. Yet most still run treasury on spreadsheets and outdated bank portals. Every manual reconciliation, delayed approval, and untracked FX exposure chips away at margin, control, and trust. Despite the industry’s [projected USD 400 billion revenue by 2027,](https://www.grandviewresearch.com/industry-analysis/business-process-outsourcing-bpo-market) most CFOs still lack real-time visibility into where their cash sits, how it moves, or what it’s costing them. In this blog, we unpack the biggest challenges facing BPO finance teams today, and show how leading firms are using Finmo to modernize cash management, improve liquidity control, and strengthen financial resilience. ## The BPO industry is rapidly evolving Over the last decade, the BPO industry has experienced strong growth, geographic expansion, and improved margins–especially in the Southeast Asian region. Growth has been fueled by acquisitions, diversification, and demand for more tech-enabled services. Yet, this expansion has also introduced new pressures on fast-growing BPOs: volatile currency markets, inflation, higher operating costs, and increasing complexity in financial management. While service delivery in BPOs is highly optimized, finance operations (FinOps) still lag behind. Many organizations still rely on fragmented banking systems, manual reconciliation, and spreadsheets for cash flow visibility, which only ends up creating more inefficiencies and risks. As BPOs scale across multiple geographies and currencies, they face several complex challenges, such as: - **Multi-entity setups** (parent company, local delivery centers, joint ventures) - **Multi-currency inflows and outflows** (USD, GBP, AUD, NZD, PHP, EUR) - **High transaction volumes** (client billing, vendor payments, and payroll) - **Stringent SLAs and compliance requirements** (on-time payroll, tax obligations, SOC standards) Even minor failures in payments or reconciliation can have ripple effects on payroll, vendor trust, and client satisfaction. CFOs and finance directors in BPOs consistently have to deal with limited real-time visibility, delayed reporting, and over-dependence on a few PSPs or banks as top bottlenecks. Meanwhile, global megatrends, from inflation and supply chain disruption to AI-driven transformation, are forcing BPOs to become leaner, digitally mature, and financially agile. Real-time liquidity control, faster settlements, and scalable treasury infrastructure are business-critical for BPOs that want to stay relevant even 10 years from now. ## Systemic challenges in BPO finance operations Despite operational maturity and global scale, most BPOs struggle with fragmented, outdated financial processes. Here are the top challenges that BPO CFOs often have to deal with: ### Structural complexity When BPOs grow rapidly across borders, they end up with a complex, multi-layered organizational structure, which can be hard to manage when you don’t have the right finance stack to support you. - **Multiple entities:** To comply with local regulations or serve global clients, BPOs operate through multiple legal entities or joint ventures. Each entity may have different banks, currencies, and accounting systems, making consolidation slow, error-prone, and opaque. - **Distributed banking:** Collections and payouts are scattered across different countries, currencies, and banks. Without central visibility, finance teams can’t see total liquidity or react quickly to cash shortfalls. ### Operational Inefficiencies Even high-performing BPOs are weighed down by tedious manual workflows everyday. - **Manual reconciliation:** All the different PSPs, banks, and ERPs don’t integrate in real-time which leads to the teams spending hours manually matching invoices to payments. - **Payment fragmentation:** Multi-currency payroll, vendor payouts, and client collections run through different banks, PSPs, and approval layers–none of which talk to each other in real time. Each layer adds more friction with approvals delaying settlements, FX markups quietly impacting margins, and reporting falling behind. - **Month-end close delays:** Manual reconciliations extend the reporting cycle, limiting management’s ability to plan cash flow and make strategic decisions. ### Risk and governance gaps Even high-performing BPOs are weighed down by tedious manual workflows everyday. In a sector defined by strict SLAs, client dependencies, and regulatory scrutiny, weak governance can be a compliance issue and even a growth barrier. Many BPOs scale faster than their internal controls can mature, exposing them to fraud, liquidity shocks, and reputational damage. - **Fraud and control risks:** Relying on consumer-grade platforms or shared access credentials leaves finance teams vulnerable to phishing, misdirected payments, and insider fraud. As transaction volumes scale, the lack of role-based controls or real-time audit trails can also increase fraud exposure. - **Liquidity and continuity gaps:** Without real-time cash visibility, even minor payment delays can disrupt payroll or vendor settlements, breaching SLAs and impacting client trust. ### FX and cost leakage When you run a global BPO with employees and clients around the world, every transaction can carry hidden costs if there’s no cash management strategy in place. - **Reactive FX conversions:** Most BPOs still convert USD or EUR clients into local currencies like PHP or IDR on an ad hoc basis, which only leads to high transaction fees and FX rates. Without centralized FX control or automation, timing mismatches and rate volatility can compound into significant annual losses. - **Idle or fragmented cash:** Without central visibility or automated cash sweeps, working capital remains trapped, forcing CFOs to borrow unnecessarily and pay high interest on liquidity they already own. ## How every role in BPO finance feels the pressure Behind every growing BPO is a finance team doing hero’s work with outdated tools. They’re expected to close books faster, pay thousands of vendors and employees across currencies, and deliver CFO-level insights–all while juggling several spreadsheets and portal logins. But the problem isn’t the people. It’s the systems they use. Here’s how everyone in a BPO finance team struggles with inefficient finance stacks. ### Chief Finance Officers/ Director of Finance Legacy and outdated systems leave CFOs flying blind as they struggle to get a consolidated view of cash across entities and currencies. Idle cash sits uninvested while margins bleed away, and finance operations routinely lag behind client expectations. CFOs have no time to even think about strategy or growth because every day is spent untangling reconciliations and making sense of yesterday’s numbers. → With Finmo, CFOs move from firefighting to forecasting—unifying visibility, control, and liquidity in one platform. ### Accountant / Finance Manager Accountants and Finance Managers feel the friction even more. So, you basically have high-value finance talent spending their days manually downloading statements, reconciling invoices, and chasing payments across fragmented systems. These teams are swamped with clerical work and have little bandwidth to provide meaningful analysis, which further amplifies risk and frustrates leadership. → With Finmo, accountants can automate the busywork and deliver real-time insights that leadership can actually act on. ### Treasury Officer/Treasury Head They run global cash operations in perpetual crisis mode, having to deal with multiple logins, no centralized balance view, and zero FX conversion strategy. When a bank rail slows down, they scramble to reroute payments manually. Instead of optimizing yield and building a hedging strategy, they’re firefighting liquidity shortfalls every day. → With Finmo, treasurers get centralized control, automated visibility, and seamless FX management that keeps liquidity stable and predictable. ### Accounts Payable Officer Accounts Payable teams are the front line of operational risk, managing bulk uploads and manual bank payments, all in the absence of proper approval workflows, which exposes them to mistakes and fraud. Any small misstep can disrupt payroll, vendor relationships, and client confidence, making AP inefficiency a direct threat to the business. → With Finmo, AP becomes a controlled, audit-ready workflow that protects relationships and strengthens trust. ## Build a modern, effective finance stack for your BPO with Finmo Finmo acts as the Financial Command Center for BPOs–a single, secure platform that unifies payments, treasury, and liquidity management across all entities and currencies. It consolidates all global bank accounts, ERPs, and accounting systems into a real-time dashboard, providing CFOs with instant insight into cash positions, FX exposures, upcoming payables, and receivables. BPOs can use Finmo to run payroll, open multi-currency accounts, pay vendors, reconcile client funds, move money efficiently across borders, hedge currency risks, and forecast cash flow. With compliance baked into daily operations, CFOs can protect margins, optimize liquidity, and focus on growth instead of firefighting. Here’s how Finmo solves the toughest challenges for every BPO finance role. | Module | Pain points addressed | Personas impacted | | --- | --- | --- | | Connected dashboard | Consolidates all entity balances and transactions into one real-time, unified view. Eliminates manual tracking and fragmented reporting. | Head of Finance, Treasury Officer | | Cash flow forecasting and liquidity planning | Predicts inflows and outflows using open invoices, payables, and historical data. Enables proactive liquidity planning. | Head of Finance | | Automated reconciliation (ERP Integration) | Syncs directly accounting tools to match transactions automatically–flagging only exceptions. | Accountant, Finance Manager | | Virtual accounts and receivables tracking | Allows businesses to set up virtual local currency accounts in 36+ currencies, making it easy to send, receive, and hold multi-currency funds | Accountant | | FX optimization | Lock exchange rates for up to 24 hours and set up automated hedging strategies to protect margins against sudden market volatility | Treasury Officer | | Payments and routing engine | Processes bulk payouts and payroll through low-cost rails with real-time payment tracking | Treasury Officer, AP Officer | | Maker-checker approval Workflows | Setup hierarchical access to multiple entities or units, ensuring compliance and preventing payment fraud | AP Officer, Head of Finance | | Audit-ready reporting | Creates a single source of truth for every financial movement | Entire Finance Team | | Money market yield investments | Invest idle cash into money market yield products or sweep accounts through trusted partners like Endowus and Syfe, earning higher returns without compromising flexibility | CFO, Head of Finance | | MO AI, your finance co-pilot | Get real-time insights, build accurate forecasts, and initiate payments through simple conversational prompts | CFO, Treasury Officer, Head of Finance | → Learn how Finmo can help your finance team simplify global operations. Disclaimer: Any information provided on this website is for general information purposes only and does not take into account your objectives, financial situation, or needs. Please consider our [Financial Services Guide](https://www.finmo.net/financial-services-guide) and [Product Disclosure Statement](https://www.finmo.net/product-disclosure-statment) and if the information is right for you before acquiring the product or service. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F70200e8bbe11f57162b669bc461a3c0c21ca99fc-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Scaling cross border payments for marketplaces**\\ \\ Read more](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F55e5d3b00c4c7985f2bdb82e007b1df683e86801-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **How SMEs can compete like big corporates with the right financial intelligence platform**\\ \\ Read more](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The rise of AI in fintech: How CFOs are reimagining financial operations**\\ \\ Read more](https://www.finmo.net/resources/blog/ai-in-fintech) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo#) Reject AllAccept All ## Future-Ready Finance Stack Blog # Beyond payroll: Building a future-ready finance stack for BPOs ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbef6c5bf7ebb708014039b732aa07e9893da6955-3200x1800.webp&w=3840&q=100) In this article: - [Macro trends reshaping the BPO landscape](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos#macro-trends-reshaping-the-bpo-landscape) - [The CFO challenge in BPO finance](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos#the-cfo-challenge-in-bpo-finance) - [What’s at stake: The consequence of standing still](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos#whats-at-stake-the-consequence-of-standing-still) - [What does it take to build a future-ready BPO finance stack](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos#what-does-it-take-to-build-a-future-ready-bpo-finance-stack) - [How Finmo powers finance for modern BPOs](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos#how-finmo-powers-finance-for-modern-bpos) - [The CFO roadmap to a future-ready finance stack](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos#the-cfo-roadmap-to-a-future-ready-finance-stack) Share: - Link copied The BPO industry is booming across Southeast Asia, with the Philippines and Vietnam emerging as global powerhouses. It now employs millions of people who drive everything from customer support and IT services to analytics and back-office operations. BPO firms are now the backbone of the international business sector. Yet, while headlines celebrate rapid growth and expanding contracts, a quiet challenge looms: BPO finance teams are struggling to keep up with the growth, and that is directly impacting the scale of growth. As BPOs scale across borders, CFOs face increasingly complex operations: - Paying thousands of employees in multiple currencies (PHP, VND, USD, SGD) - Managing growing cross-border vendor payouts - Navigating FX volatility and liquidity gaps that can quickly impact margins Payroll is only the surface. Beneath it, you’ll find BPO finance teams struggling with disconnected systems, manual spreadsheets, and slow-moving cash. CFOs need a modern finance stack that brings together payments, cash management, and liquidity forecasting in a single, real-time view to transform finance from a back-office chore into a strategic growth driver. ## Macro trends reshaping the BPO landscape In the Philippines, the BPO sector generated over [USD 38 billion in revenue](https://news.outsourceaccelerator.com/philippines-bpo-eyes-diversification/) in 2024 and now employs more than 1.7 million people. Vietnam, while smaller, is fast emerging as the next regional hub with USD [2.5 billion](https://outsourcetovietnam.org/news/vietnam-bpo-market-captures-outsourcing-growth/) in BPO exports and projected annual growth of up to 30% depending on vertical. Even as demand accelerates, operational costs are climbing. Inflation across Southeast Asia has driven up salaries and infrastructure expenses. At the same time, client expectations are evolving. Global customers now demand real-time delivery, AI-enabled insights, and on-demand scalability–all of which depend on fast, reliable financial operations behind the scenes. This combination of growth, rising costs, and heightened client demands has thrust BPO finance teams into the spotlight. CFOs are now expected to handle - **Currency volatility:** Managing USD collections from clients while paying employees in PHP, VND, and other local currencies to mitigate FX swings that can potentially eat into margins. - **Talent costs and global payroll:** Processing multi-currency salaries and benefits for rapidly expanding teams, often across time zones. - **Client demands for global delivery:** Ensuring multi-currency billing, fast collections, and transparent reporting to maintain client satisfaction and support contract renewals. Rapid growth creates great opportunities, but financial complexity threatens margins, agility, and scalability. CFOs must manage these pressures while keeping the business nimble–a challenge most legacy finance systems aren’t built for. ## The CFO challenge in BPO finance For finance leaders, three challenges dominate the BPO finance agenda: payments, cash management, and liquidity. ### Payments Managing payouts across multiple countries is operationally heavy. Every cycle brings delays, FX markups, and compliance friction. Payroll runs can take days, with vendor payments requiring multiple approvals. When teams handle thousands of disbursements across PHP, VND, USD, and SGD, even small inefficiencies create huge cost leakages. In fast-scaling BPOs, this becomes unsustainable. ### Cash management For most BPOs, cash management is where growth friction shows up first. Global collections are scattered across multiple accounts, currencies, and banking partners. And when client payments arrive in different currencies or through regional subsidiaries, it forces the finance teams to manually match each payment to its corresponding invoice. This slows down reconciliation, delays reporting, and increases the risk of missed or duplicated entries. ### Liquidity management Without real-time visibility into balances and inflows, CFOs can’t optimize working capital or hedge FX exposure effectively. Then there’s the problem of cash sitting idle in local accounts that aren’t connected to a central treasury, making it nearly impossible to see how much cash the business actually has at any given time. Short-term borrowing becomes the default buffer and the high interest rates directly affect business margins. ## What’s at stake: The consequence of standing still Failing to modernize finance operations carries tangible risks for BPOs: - **Decreased margins:** FX losses and unoptimized cash flows increase operational costs. - **Payment delays:** Employees and vendors experience late payouts, impacting morale, retention, and trust. - **Client dissatisfaction:** Slow collections and opaque reporting hinder responsiveness to clients. - **Growth bottlenecks:** Inability to predict cash availability or plan working capital slows hiring, expansion, and acquisition opportunities. On the other hand, modernizing finance operations helps CFOs become strategic growth enablers. Here are the benefits of a modern finance stack: - **Liquidity as a competitive edge:** Real-time visibility turns idle cash into strategic capital, enabling faster hiring, smarter investments, and more agile growth decisions. - **Stronger margins and smarter pricing:** Optimized liquidity and FX control strengthen margins and allow BPOs to offer competitive pricing without compromising profitability. - **Free up CFO bandwidth for strategy:** Automation frees CFOs from manual reconciliation and other finance tasks, letting them focus on growth planning and strategic decision-making. ## What does it take to build a future-ready BPO finance stack A future-ready finance stack must combine insight, execution, integration, and compliance to transform finance from a reactive task into a strategic advantage. Here are the key capabilities your future-ready BPO finance stack should have: - **Centralized payments and collections:** You should be able to automate cross-border payroll, vendor payouts, and AR/AP across multiple currencies and entities. - **Real-time dashboards:** Tracking balances, reconciling accounts automatically, and identifying idle cash should be possible in real-time. - **Actionable forecasting:** Accurate, real-time forecasting should allow you to anticipate cash needs, hedge FX exposure, and optimize working capital. - **Seamless integration:** Ability to directly integrate ERPs, accounting systems, and bank accounts to reduce complexity. - **Embedded compliance:** Real-time AML/KYC checks, fraud detection, and regulatory updates should be embedded directly instead of being an afterthought. ## How Finmo powers finance for modern BPOs Finmo is a connected treasury platform that is built to help fast-scaling BPOs simplify financial complexity across borders, currencies, and entities. It goes beyond payroll or simple payments, giving CFOs real-time visibility, execution tools, and strategic insights to turn finance into a competitive advantage. ### Real-time visibility Finmo consolidates fragmented financial data from global bank accounts, ERPs, and accounting systems into one real-time dashboard, which helps CFOs get instant insight into: - Where cash sits, in which currency, and how it’s moving - Full payment life-cycle visibility, from initiation to settlement - FX exposures across currencies to plan hedging and reduce risk - Upcoming payables and receivables to forecast working capital needs ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffbfdcd215beb70674d895867429ef3d4777eeb70-1800x1040.webp&w=3840&q=100) ### Protecting margins with FX Tools Finmo equips BPO CFOs with enterprise-level FX hedging tools to manage volatility and safeguard profitability. - Transparent rates with no hidden spreads for 36+ currencies - Flexible rate locking for up to 24 hours on major and emerging currencies - Automated hedging strategies, executed by the platform to maintain a predictable cash flow ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8651e2df8b3b5b4b183f0d21bb66f5664abf6be6-1800x1040.webp&w=3840&q=100) ### Reliable forecasting for strategic decisions Finmo transforms cash forecasting from guesswork into strategic insights. - Combines real-time bank transactions, invoices, bills, receivables, and payables into one connected dashboard for dynamic, data-driven forecasting. - Lets you test ‘what-if’ scenarios such as delayed payments, unexpected expenses, or faster revenue cycles so you can see the impact instantly. - Tracks historical trends, seasonality, and projected cash positions to give a cohesive, end-to-end view of your cashflow story. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb5c2395e0f6d797bf1acbc1bc313dfb3938d8499-1800x1040.webp&w=3840&q=100) ### Compliance and risk protection Finmo embeds data protection into daily workflows, helping BPOs meet evolving regulatory requirements without burdening teams. - Real-time AML/KYC and fraud monitoring - End-to-end data encryption and configurable residency - Licensed and compliant across six jurisdictions (and expanding) Finmo doesn’t just help manage finance; it gives CFOs the insights they need to expand confidently into new markets and stay agile. ## The CFO roadmap to a future-ready finance stack Upgrading finance doesn’t have to mean overhauling everything at once. Start with focused steps: 1. **Audit your current workflows:** Identify manual bottlenecks in payroll, vendor payments, and reconciliation. 2. **Map your liquidity:** Find where cash is idle or delayed across accounts. 3. **Pilot visibility tools:** Start tracking multi-currency balances in real time. 4. **Automate and integrate:** Connect FT to your ERP or payroll systems to unify data. 5. **Forecast and optimize:** Use real-time dashboards to plan cash allocation and manage FX exposure proactively. ### Final words BPOs are powering Southeast Asia’s next growth story, but to sustain that momentum, finance teams must evolve beyond payroll and manual processes. By unifying payments, cash management, and liquidity under a single intelligent platform, CFOs can unlock new agility, control, and scalability. Learn how Finmo can help your finance team simplify global operations. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F20b23a34bac3b5cd14853a73249e59c073149543-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **3 warning signs your liquidity strategy isn’t working (& how CFOs can fix It)**\\ \\ Read more](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## CFO Readiness Checklist Blog # The 2026 CFO readiness checklist ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc48d4e32328d79f390b87a17d3421637646eace8-3200x1800.webp&w=3840&q=100) In this article: - [The 2026 CFO Readiness Checklist](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#the-2026-cfo-readiness-checklist) - [How to use this checklist](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#how-to-use-this-checklist) - [Cash visibility and liquidity readiness](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#cash-visibility-and-liquidity-readiness) - [Cashflow and 13-week rolling forecasting](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#cashflow-and-13-week-rolling-forecasting) - [Payments: collections and payouts](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#payments-collections-and-payouts) - [Strategic opportunities from cash](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#strategic-opportunities-from-cash) - [Quick reality check: What your answers reveal](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#quick-reality-check-what-your-answers-reveal) - [What growing CFOs are doing differently](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#what-growing-cfos-are-doing-differently) - [Pressure-test your checklist](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#pressure-test-your-checklist) Share: - Link copied ## The 2026 CFO Readiness Checklist [For CFOs](https://www.finmo.net/solutions/cfo) of startups and SMEs, treasury rarely ever starts as a formal function. It comes together gradually through managing multiple bank accounts, overseeing cross-border payments, dealing with FX exposure, and planning cash beyond the next payroll run. This means most CFOs are already running treasury, without having named it as such The challenge here is managing the treasury with tools and processes that were never designed for growing complexity. Instead, they quietly impact decision speed, increase risk, and limit a CFO’s ability to act proactively. Fragmented visibility, manual workflows, and delayed insights quietly impact decision speed and increase risk. This checklist is designed to help CFOs assess whether their current approach to cash, forecasting, payments, and liquidity is fit for how the business operates today, and what they will need in 2026. ## How to use this checklist This checklist is a practical self-assessment and designed to be completed in 10 minutes. You should: - Answer each question honestly - Remember that gaps are normal, especially in fast-growing businesses - Use it to identify blind spots For each question, select one option: - **Yes,** when it is consistently true today - **Sometimes,** when it works, but with effort or delays - **No,** when it's not true at all The goal is to get a clear view of how well your finance function is supporting the business today, and where stronger foundations are needed. ## Cash visibility and liquidity readiness Cash visibility means having a consolidated, real-time view of cash across all bank accounts and entities. As businesses expand across entities and geographies, cash naturally becomes fragmented. Funds sit in operating accounts, local accounts, FX accounts, and payment platforms. Reporting often relies on manual consolidation or delayed bank feeds, meaning visibility arrives after decisions have already been made. Limited visibility makes liquidity unpredictable. CFOs may overestimate available cash and risk shortfalls, or underestimate it and hold unnecessary buffers, even when idle capital exists. ### To assess your cash visibility and liquidity readiness, answer the questions in the checklist below with yes or now. If answering these questions takes more than a few minutes, visibility is already a constraint. ☐ We can see balances across all bank accounts in one place ☐ We know our total cash position across entities ☐ We don’t rely on logging into multiple bank portals ☐ We can confidently answer “how much cash do we have today?” ☐ We can identify idle or trapped cash ## Cashflow and 13-week rolling forecasting Most growing companies don’t fail due to lack of revenue. They fail because cash constraints build quietly and are noticed too late. Late customer payments, early supplier demands, FX volatility, and uneven working capital cycles can distort cash flow long before a crisis even becomes visible to CFOs. Yet many businesses still rely on static budgets or monthly forecasts that show what has already happened, rather than what to expect in the coming weeks. A 13-week rolling cashflow forecast shows expected inflows and outflows week by week, giving CFOs near-term foresight that is both actionable and reliable. This time horizon is short enough to be actionable, but long enough to surface issues early and create options. When forecasts are connected to live data such as bank transactions, invoices, receivables, and payables. CFOs can anticipate shortfalls earlier and deploy excess liquidity with confidence. ### Use the checklist below to assess your forecasting readiness: ☐ We maintain a rolling cash forecast (not a static budget) ☐ We can see cash inflows vs. outflows week by week ☐ We update forecasts when assumptions change ☐ We use forecasts to guide hiring, expansion, or spend decisions ☐ Our forecasts are connected to real transactions ## Payments: collections and payouts As businesses scale, the volume of transactions increases and each payment needs to be tracked and reconciled accurately. When payments are handled through fragmented tools, email approvals, and multiple bank portals, finance teams spend more time tracking money than analysing its impact. The problem becomes more pronounced if your business often deals with international payments. Hidden FX costs and inconsistent settlement timelines can directly affect working capital and trust with partners. On the collections side, many businesses still rely on manual follow-ups and inbox-driven processes. Payment status depends on individual intervention rather than system visibility. The result is cash tied up in receivables, inflated liquidity buffers, and reactive finance teams. ### Here’s the checklist to assess if your collections and payouts are being tracked accurately: ☐ Customer collections are predictable and trackable ☐ Vendor payouts follow a clear, repeatable process ☐ Payment approvals don’t live in email or chat ☐ Payments are linked to actual cash positions ☐ We can see payment status across entities ## Strategic opportunities from cash Once visibility and control are in place, treasury stops being a coordination problem and becomes a strategic step. The key question becomes How should available cash be deployed? For many businesses, cash is managed defensively. Uncertain collections, early supplier demands, and FX volatility push CFOs to hold larger buffers than necessary. Excess liquidity often sits idle in low-yield operating accounts, not because it isn’t needed elsewhere, but because CFOs lack the confidence to redeploy it without risking shortfalls. Over time, this extra caution becomes costly. Idle cash earns little, slows down growth decisions, and increases dependence on external financing when conditions tighten. Strategic treasury creates a clear separation between operational cash and strategic cash available to businesses. This distinction allows CFOs to protect downside risk while still funding growth. While operational cash supports day-to-day requirements, strategic cash is used to optimize FX conversions, support growth investments and reduce financing costs. ### Use this checklist to assess if your business is able to use cash strategically: ☐ We know how much cash is operational vs. strategic ☐ We can plan the timing of FX conversions ☐ We understand the cost of holding idle cash ☐ We can confidently fund growth initiatives ☐ Cash strategy is discussed at leadership level ## Quick reality check: What your answers reveal Once you’ve completed the checklist, use the guide below to interpret what your answers indicate about your treasury readiness. **Mostly “Yes”** You have a solid foundation. At this stage, you should focus on optimization–reducing friction, improving speed, and extracting more strategic value from liquidity. **Mostly “Sometimes”** It means your core finance processes are in place, but they require constant effort to keep running especially if you plan to scale your business. Visibility exists, but it often arrives with delays. Forecasts are created but they are not always updated enough to guide decisions. At this stage, the priority should be strengthening the foundations–building real-time visibility, reducing manual work, and connecting forecasts and payments to live data. **Mostly “No”** This doesn’t mean your finance function is failing. It means the business is growing faster than current processes can support. At this stage, the focus should be on establishing basic structure and visibility rather than aiming for perfection. CFOs should prioritise creating a clear view of cash across accounts, standardising payment and approval processes, and introducing simple forecasting that reflects real activity. ## What growing CFOs are doing differently Growing CFOs are moving away from spreadsheets and heavyweight enterprise systems toward lighter, connected treasury tools that scale with the business. With light treasury management systems, finance teams get more control and insights without slowing the business down. In practice, this shift shows up in three clear ways: **Move beyond spreadsheets** While spreadsheets still play a role in analysis, successful CFOs recognize they are not designed to support real-time cash visibility, multi-entity forecasting, or payment tracking at scale. **Centralize visibility without enterprise overhead** Instead of stitching reports together at month-end, finance teams use tools to consolidate cash, transactions, and exposures in real-time, without long implementations or heavy configuration. **Create one connected workflow for cash, forecasting, and payments** When cash visibility, forecasting, and payments work together, finance teams no longer have to piece information together manually. You can see where cash sits, use that view to plan upcoming inflows and outflows, and have every completed payment automatically reflected in your cash position. ## Pressure-test your checklist This checklist is not a report card. It’s a starting point for understanding where risk or friction may be building as your business scales. Most teams will land somewhere between “Yes” and “Sometimes.” There will always be room for improvement. The next step is to pressure-test your answers with a treasury expert to analyze your current setup, identify where friction or risk is building, and understand which gaps matter most right now. Connect with [Finmo’s](https://www.finmo.net/) treasury expert to get started. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F55e5d3b00c4c7985f2bdb82e007b1df683e86801-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **How SMEs can compete like big corporates with the right financial intelligence platform**\\ \\ Read more](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40ee0450ee103559737f53e59e6a9bc6a604bfc1-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management simplified: A CFO’s guide to cash, liquidity, and FX with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-simplified) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2be1b497f2e189a8954f3f4e2d02a2a7a27d2c02-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Bringing sexy back to treasury: How modern CFOs are transforming finance operations**\\ \\ Read more](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist#) Reject AllAccept All ## Idle Cash Management Strategies Blog # Maximizing returns: The art of idle cash management for modern treasurers ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faeb131f7a4fd203e456a68652bef4a17f822f271-3200x1800.webp&w=3840&q=100) In this article: - [Understanding Idle Cash](https://www.finmo.net/resources/blog/idle-cash-management#understanding-idle-cash) - [The Balancing Act: Safety vs. Opportunity](https://www.finmo.net/resources/blog/idle-cash-management#the-balancing-act-safety-vs-opportunity) - [The Hidden Costs of Idle Cash](https://www.finmo.net/resources/blog/idle-cash-management#the-hidden-costs-of-idle-cash) - [Strategic Approaches to Optimizing Idle Cash](https://www.finmo.net/resources/blog/idle-cash-management#strategic-approaches-to-optimizing-idle-cash) - [The Finmo Advantage](https://www.finmo.net/resources/blog/idle-cash-management#the-finmo-advantage) Share: - Link copied Effective treasury management is more critical than ever in today's volatile economic landscape. Among corporate treasurers' many responsibilities, optimizing idle cash is a challenge and an opportunity. Let's explore how modern approaches to idle cash management can transform a potential liability into a strategic asset. ## Understanding Idle Cash Idle cash refers to funds that aren't actively being used or invested and don't contribute to increasing business value. According to the Corporate Finance Institute, these dormant resources represent a missed opportunity in your financial ecosystem. While maintaining liquidity is essential, excessive idle cash can quietly erode company value. ## The Balancing Act: Safety vs. Opportunity Corporate treasurers constantly walk a tightrope between two opposing needs: ### Safety Considerations: Meeting short-term financial obligations Preparing for unexpected expenditures Maintaining a buffer against market volatility ### Opportunity Costs: Missing higher-yielding investment opportunities Delaying funding for new projects or equipment Postponing research and development initiatives This delicate balance defines the core challenge of idle cash management. ## The Hidden Costs of Idle Cash The consequences of poorly managed idle cash extend beyond simple opportunity costs: 1. Diminishing Purchasing Power: Inflation gradually erodes the real value of idle cash, resulting in negative real-adjusted returns. 2. Opportunity Cost: Every idle dollar represents missed opportunities to generate returns from appreciating assets or value-creating projects. 3. False Sense of Security: Excessive cash reserves can foster complacency and limit a growth-oriented mindset within the organization. 4. Fraud & Theft Exposure: Larger cash pools can attract embezzlement attempts and increase cybersecurity risks. ## Strategic Approaches to Optimizing Idle Cash Forward-thinking treasurers implement comprehensive strategies to maximize idle cash value: ### 1\. Establish a Robust Cash Management Policy Create a framework that clearly outlines the following: - Specific objectives for cash management - Investment strategies aligned with corporate goals - Risk tolerance parameters - Schedules for periodic policy review - Guidelines for seeking professional advice ### 2\. Identify Optimization Opportunities Consider various deployment options: - Funding growth-oriented projects - Reducing debt obligations - Distributing dividends to shareholders - Implementing share buyback programs - Exploring appropriate financial instruments ### 3\. Diversify Investments Spread risk through diversification: - Across multiple asset classes - Across geographic regions - Across reputable financial institutions ### 4\. Implement Advanced Treasury Tools Leverage technology for better outcomes: - Solutions offering real-time visibility and control - Rolling cash flow forecasting capabilities - Accounts payable and receivable optimization ## The Finmo Advantage Finmo’s next-generation treasury operating system offers: ### Integrated Dashboard: A unified view of bank balances, transaction activity, and cash flow trends ### Workflow Automation: Predefined workflows and business logic for managing AR and AP efficiently ### Cash Flow Management: Tools to capture cash flow data, customize forecasting models, and perform liquidity management ### Highly Curated Products: Yield-enhancing products from award-winning institutional partners, creating a powerful combination of technological excellence and investment expertise. In today's competitive business environment, effective idle cash management is more than good financial practice—it's a strategic imperative. Corporate treasurers can transform idle cash from a static resource into a dynamic contributor to business value by implementing a structured approach to cash optimization and leveraging advanced treasury management tools. As we navigate economic uncertainties, the most successful organizations will be those that strike the right balance between maintaining necessary liquidity and activating their cash resources for maximum return. For more information on optimizing your treasury operations with next-generation tools, visit [www.finmo.net](https://www.finmo.net/) or contact [info@finmo.net.](mailto:sales@finmo.net) Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2be1b497f2e189a8954f3f4e2d02a2a7a27d2c02-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Bringing sexy back to treasury: How modern CFOs are transforming finance operations**\\ \\ Read more](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **FX risk management: Deconstructing hedging complexity for SMEs**\\ \\ Read more](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40ee0450ee103559737f53e59e6a9bc6a604bfc1-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management simplified: A CFO’s guide to cash, liquidity, and FX with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-simplified) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Treasury Trends 2026 Blog # Treasury management trends for 2026 ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F709d736a0d88ab60065a205b1db416c56c96df10-3200x1800.webp&w=3840&q=100) In this article: - [Treasury’s role has changed, but legacy systems haven’t](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#treasurys-role-has-changed-but-legacy-systems-havent) - [1\. Treasury intelligence: From visibility to predictive insight](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#1-treasury-intelligence-from-visibility-to-predictive-insight) - [2\. Continuous, API-Connected treasury operations](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#2-continuous-api-connected-treasury-operations) - [3\. AI at scale: From experimentation to operational](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#3-ai-at-scale-from-experimentation-to-operational) - [4\. Integrated risk, compliance & governance in real time](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#4-integrated-risk-compliance-governance-in-real-time) - [5\. Strategic treasury: Embedded partner to business growth](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#5-strategic-treasury-embedded-partner-to-business-growth) - [2026 Is the year treasury proves its value](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#2026-is-the-year-treasury-proves-its-value) Share: - Link copied ## Treasury’s role has changed, but legacy systems haven’t Global expansion, real-time payments, regulatory pressure, and ongoing volatility have fundamentally changed what CFOs need from treasury. Businesses now operate across more markets, currencies, and payment rails earlier than ever before, often with lean finance teams and little margin for error. In 2026, treasury can no longer function as a fragmented, reactive back-office operation. It must become a connected control layer that gives CFOs clarity, confidence, and control as the business scales. The real divide in 2026 will not be between companies with visibility and those without it. It will be between those operating in continuous financial flows and those still built around reporting cycles. The winners will not simply see their cash. They will act on it, continuously, with intelligence embedded into execution. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff0baf2bb47f9a2de28a37aa1459d51803e228962-3200x1800.jpg&w=3840&q=100) ## 1\. Treasury intelligence: From visibility to predictive insight Real-time visibility into cash has become widely available. However, visibility alone is no longer enough. CFOs need context. They need to understand why cash is moving, how exposures are changing, and what different scenarios mean for liquidity, FX risk, and runway. This is pushing treasury beyond static dashboards toward predictive liquidity insight and decision intelligence. By connecting ERP data, banking activity, and cash flows into a single, coherent view, treasury teams can move past backward-looking reporting. Forecasting becomes continuous rather than periodic, and treasury evolves from a reporting function into a decision-support layer for the CFO. For modern CFOs, this shift is crucial, replacing reactive adjustments with proactive planning, and uncertainty with informed judgement. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc841bdb713966532cd3d522d24a547467da9aea2-3200x1800.jpg&w=3840&q=100) ## 2\. Continuous, API-Connected treasury operations Treasury operations were traditionally built around cut-offs, batch processing, and banking hours. That model no longer reflects how money moves across borders in modern businesses. In 2026, cross-border payments are moving toward an increasingly always-on state. Liquidity and exposures change throughout the day, not at the end. To keep up, treasury operations are becoming deeply API-connected, integrating banks, ERPs, payment providers, and FX platforms into a single operational flow. This connectivity replaces manual handoffs and fragmented tools with automated workflows and a single source of truth. It also enables real-time monitoring and execution, reducing operational risk while increasing speed and resilience. For startups and mid-market companies, the impact is significant. Continuous treasury operations mean fewer bottlenecks, faster response times, and a clearer understanding of the business’s true financial position at any given moment. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2d86f952aaee69179d3c5ea5f5dc44bda1f17f9c-3200x1800.jpg&w=3840&q=100) ## 3\. AI at scale: From experimentation to operational In 2026, AI will no longer sit on the periphery of treasury transformation. It will become part of the daily operating fabric. What began as pilots and isolated use cases has matured into AI supporting core treasury processes: anomaly detection, continuous forecasting, scenario simulation, automated reporting, and intelligent alerts. Large language and generative models can synthesise vast volumes of financial data into insights that finance teams can act on quickly. However, AI without governance can amplify risk rather than reduce it. In regulated financial environments, intelligence must be explainable, auditable, and traceable. Models trained on incomplete or fragmented data can generate false confidence, missed exposures, or compliance blind spots. The question is no longer whether AI can generate insight, but whether that insight can be trusted. The real differentiator in 2026 will not be AI adoption, but AI discipline. Clean, connected data foundations are essential. Governance frameworks must ensure model transparency, control thresholds, and human oversight. When designed within a strong control architecture, AI elevates treasury from reactive execution to predictive decision support. The result is not automation for its own sake, but a treasury function that is faster, more consistent, and structurally better equipped to support CFO decision-making at scale. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa79df804dfbde8fa4a43e3319fe5648add7c142f-3200x1800.jpg&w=3840&q=100) ## 4\. Integrated risk, compliance & governance in real time Treasury risk now spans liquidity, FX exposure, counterparty credit, fraud, and macroeconomic headwinds. Discovering issues after the fact is no longer acceptable. Instead, continuous monitoring and automated controls are helping teams identify and address risks as they emerge. Real-time governance also extends to compliance. Payments, regulatory obligations, data privacy, and audit readiness increasingly need to operate at the same speed as the business itself. The most effective treasury setups embed controls directly into workflows, ensuring governance without slowing operations. For CFOs, this approach provides assurance without friction, and confidence that control scales alongside growth. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6fff0cd8ba6624a790fc32e74f9b1e6074f117cd-3200x1800.jpg&w=3840&q=100) ## 5\. Strategic treasury: Embedded partner to business growth As treasury becomes more intelligent, connected, and automated, its role within the organisation expands. In 2026, treasury is expected to play an increasingly critical role as a growth enabler. Liquidity strategy influences market expansion. FX insights inform pricing decisions. Scenario planning shapes investment pacing and capital allocation. Treasury data feeds directly into board discussions and long-range financial planning. This shift also increases the treasury's cross-functional influence. Collaboration among FP&A, procurement, and corporate strategy teams is becoming more common as treasury insights guide decisions across the business. For modern CFOs, treasury is no longer just about managing money, it is about enabling confident, informed growth. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F83bad2ac0c91f617244797770ecc1f777e0cefc3-3200x1800.jpg&w=3840&q=100) ## 2026 Is the year treasury proves its value ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc6f18e20f1dcc91038a7ec36b5842640e38dbfb3-2678x1204.png&w=3840&q=100) These trends point to a common theme: treasury is becoming continuous rather than periodic. Intelligence is replacing static visibility. Risk and control are moving upstream into everyday workflows. And treasury data is increasingly shaping strategic decisions, not just recording their outcomes. Treasury leadership in this new era will be defined by the ability to connect these capabilities into a coherent operating model, one that gives CFOs clarity across complexity, confidence in uncertainty, and control as their businesses scale. Treasury is emerging as the CFO’s control tower, a source of clarity in complexity, confidence in volatility, and foresight in an uncertain world. 2026 will not be remembered as the year the treasury gained more tools. It will be remembered as the year the treasury proved its strategic value. The organisations that thrive will be those that move beyond fragmented systems and periodic reporting toward continuous, connected financial intelligence. Treasury will no longer sit at the edge of execution. It will sit at the centre of decision-making. In an environment defined by volatility, speed, and global complexity, CFOs do not need more dashboards. They need foresight. That is what modern treasury must now deliver. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd88604d4d514c166539ed015cdc09686524eb6e3-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Tokenized treasury modernization: A practical guide for CFOs and treasurers**\\ \\ Read more](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc48d4e32328d79f390b87a17d3421637646eace8-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The 2026 CFO readiness checklist**\\ \\ Read more](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The rise of AI in fintech: How CFOs are reimagining financial operations**\\ \\ Read more](https://www.finmo.net/resources/blog/ai-in-fintech) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. 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[Manage your preferences](https://www.finmo.net/resources/blog/treasury-management-and-operations-trends-for-2026-from-back-office-to-control-tower#) Reject AllAccept All ## SMEs vs. Corporates Blog # How SMEs can compete like big corporates with the right financial intelligence platform ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F55e5d3b00c4c7985f2bdb82e007b1df683e86801-3200x1800.webp&w=3840&q=100) In this article: - [The SME finance gap](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform#the-sme-finance-gap) - [Why real-time matters](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform#why-real-time-matters) - [Reimagining access, not just automation](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform#reimagining-access-not-just-automation) - [From purpose to practice](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform#from-purpose-to-practice) - [The mindset shift](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform#the-mindset-shift) - [A more intelligent future](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform#a-more-intelligent-future) Share: - Link copied In Southeast Asia, small and medium enterprises drive everything from manufacturing and trade to tech and logistics. According to the World Bank, they represent [90% of all businesses globally](https://www.worldbank.org/en/topic/smefinance#:~:text=Overview,%2C%20productivity%2C%20and%20poverty%20reduction.) and provide jobs for over half the region’s workforce. However, they still face significant challenges with financial infrastructure. Large companies have access to advanced treasury systems and real-time dashboards. SME finance teams, often comprising just one to five people, continue to log into multiple bank portals, chase invoices, and reconcile spreadsheets. In a rapidly changing business environment, many small businesses remain entrenched in outdated silos. The issue isn’t that SMEs lack ambition or talent. The financial tools available to them do not match the complexity of today’s world. The discussion needs to shift from providing SMEs “more software” to offering them greater intelligence. ## The SME finance gap If you speak to any SME finance lead, you’ll hear the same thing: managing money feels reactive. Every month-end is a scramble to reconcile, report, and explain where the money went. Cash is king, but visibility is lacking. [Most SMEs operate on narrow margins and have little financial cushion](https://www.preprints.org/manuscript/202408.1863/v1). A delayed payment or an unexpected FX fluctuation can affect suppliers, employees, and customers. However, the financial systems they rely on are either too basic and consumer-oriented or too complicated and expensive, tailored for large global businesses. This leaves a wide gap in the middle where most SMEs operate. ## Why real-time matters Enterprise treasury systems are built for scale and complexity. They’re great at managing global cash pools and multi-entity reporting, but they’re not built for the smaller regional business that needs to pay overseas suppliers today, see cash positions across two markets, or decide right now. For SMEs, real-time clarity is a matter of survival, not a luxury. When a finance lead can see balances across accounts and currencies in one place, decisions can be made faster and more confidently: pay now, hold off, invest, or convert. That kind of visibility changes the game. It turns finance from a reporting function into a strategic one. From experience, SME teams don’t want more dashboards or features. They want to know exactly where they stand today, and what they should do next. That’s what visibility really means. ## Reimagining access, not just automation A lot of fintech innovation still focuses on automation; how to make processes faster or reduce manual work. That’s important, but automation alone doesn’t build confidence. What really matters is access to [connected, contextual intelligence](https://www.finextra.com/blogposting/28719/beyond-dashboards-turning-fintech-data-chaos-into-structured-context): data that helps a business make better decisions. In recent years, a new generation of platforms has emerged with this principle in mind; tools that connect a business’s existing ecosystem rather than replace it. The idea is simple: consolidate what SMEs already use - banks, accounting systems, and payment providers - into a single intelligent layer that provides oversight, forecasting, and control. This is how the modern finance function will evolve: not through the addition of more tools, but through connected intelligence. At Finmo, for example, this thinking guided how we built our platform for SMEs and mid-market companies. Rather than replicate enterprise software, we focused on democratising financial intelligence, giving lean finance teams the same depth of insight that large corporates take for granted, but delivered through a more accessible and human-centred experience. The goal isn’t to automate people out of the process; it’s to give them the clarity to act faster and with confidence, enabling them to connect, control, command, and create value with their finance stack. ## From purpose to practice The reason for this shift is clear: [when SMEs manage their finances effectively, entire ecosystems improve.](https://csrdinstitute.eu/blog/financial-benefits-of-sustainability-for-smes) Supply chains stabilise, employment grows, and economies become stronger. However, purpose only matters when it leads to action. In our experience, three things make the difference: 1. **Connectivity before complexity:** Start with the basics: bank feeds, payments, and reconciliations. Only then should you introduce analytics or AI. Without data connectivity, intelligence cannot happen. 2. **Human-centred design:** Finance tools should use language that their users understand. Dashboards and insights must be easy enough for anyone to grasp, not just a CFO with an entire data team. 3. **Outcome-driven thinking:** The value of a good financial system isn’t measured by the number of features but by how well it helps teams make better decisions. Each product or workflow should link directly to a business goal: improved liquidity, reduced costs, or quicker decision-making. When these principles align, automation becomes empowerment. SMEs don’t just “save time”; they unlock a new level of visibility and control that allows them to plan with precision. ## The mindset shift For many SME leaders, the term "treasury" often seems to apply only to large corporations. Effective treasury management is just good business practice. It involves understanding where money is located, how it moves, and how it can be used more efficiently. Finance teams no longer need to wait for quarterly reports to act. With the right systems, they can forecast cash positions, test scenarios, and simulate outcomes daily. The tools once reserved for global CFOs are now available to lean, fast-growing teams. The biggest change needed isn’t about technology, [it’s about mindset](https://www.ey.com/en_sg/insights/consulting/5-steps-for-cfos-on-the-path-to-finance-transformation). SMEs must shift from a survival approach to a strategic one. They should understand that financial clarity isn’t just an extra consideration; it’s crucial for growth. ## A more intelligent future The finance leaders who will thrive in the next decade are not those who do more, but those who see more. They’ll depend on connected systems, real-time data, and increasingly, intelligent ‘co-pilots’ that surface insights before issues arise. Standing still is no longer an option. As technology democratises access to financial intelligence, SMEs in the region have a rare opportunity: to operate with the same strategic foresight as the corporates they compete with, but with the agility that only smaller teams possess. When that happens, SMEs won’t just be the backbone of the global economy, they’ll be its most intelligent growth engine. Finmo helps modern SMEs connect their banks, payments, ERP and forecasting into one intelligent finance layer, and then act on it. [Learn more →](https://www.finmo.net/) Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F70200e8bbe11f57162b669bc461a3c0c21ca99fc-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Scaling cross border payments for marketplaces**\\ \\ Read more](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The rise of AI in fintech: How CFOs are reimagining financial operations**\\ \\ Read more](https://www.finmo.net/resources/blog/ai-in-fintech) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F994f5f26bf09da1bc10aa78495786e5c89bb481c-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **BPO industry case study: Modernizing payments & treasury operations with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/modernizing-payments-treasury-operations-with-finmo) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform#) Reject AllAccept All ## Cash Visibility Issues Blog # 5 signs your startup has a cash visibility problem ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F478e06935caecb0ca96c6e684352ce6040ca0326-4800x2700.jpg&w=3840&q=100) In this article: - [What is cash visibility?](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#what-is-cash-visibility) - [Sign #1: You're checking multiple bank portals just to get a picture of your cash](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#sign-1-youre-checking-multiple-bank-portals-just-to-get-a-picture-of-your-cash) - [Sign #2: Your cash forecast lives in a spreadsheet that's always slightly out of date](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#sign-2-your-cash-forecast-lives-in-a-spreadsheet-thats-always-slightly-out-of-date) - [Sign #3: You find out about cash shortfalls too late to act comfortably](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#sign-3-you-find-out-about-cash-shortfalls-too-late-to-act-comfortably) - [Sign #4: You can't answer basic questions about your cash positions](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#sign-4-you-cant-answer-basic-questions-about-your-cash-positions) - [Sign #5: Reconciliation is a painful, time-consuming end-of-month exercise](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#sign-5-reconciliation-is-a-painful-time-consuming-end-of-month-exercise) - [The hidden cost of poor cash visibility](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#the-hidden-cost-of-poor-cash-visibility) - [How startups improve cash visibility (beyond spreadsheets)](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#how-startups-improve-cash-visibility-beyond-spreadsheets) Share: - Link copied Most startups know their bank balance. Far fewer have true cash visibility, and that gap is where financial risk quietly builds. As companies scale across multiple accounts, entities, and currencies, cash stops being a number and becomes a moving system. Without real-time visibility, finance teams are forced to make decisions on lagging data; impacting runway, hiring, and growth. Here are five signs your business might have a cash visibility problem, and what it actually takes to fix it. ## **What is cash visibility?** [Cash visibility](https://www.finmo.net/product/cash-visibility) is the ability to see, in real time, where your cash is, how it’s moving, and what your future cash position looks like; across all accounts, entities, and currencies. ### **Cash visibility vs cash flow** Cash flow shows movement over time. Cash visibility shows your current and future position in real time. Startups don’t struggle with tracking cash flow. They struggle with seeing it clearly enough to act on it. This is why cash visibility is a core function of modern treasury management systems, not just accounting tools. Most teams don’t realise they have a visibility problem until it starts affecting decisions. The signs are subtle at first, but they compound quickly as the business grows. ## **Sign \#1: You're checking multiple bank portals just to get a picture of your cash** If your team logs into two, three, or more banking dashboards to piece together a daily cash position, that's a cash visibility gap. It's one of the most common issues in startup cash management, particularly for businesses operating across multiple currencies or entities. Every manual step in that process introduces two problems: - Lag: By the time you've compiled the numbers, they're already out of date. - Human Error: Manual consolidation can lead to human error, leading to cash flow management decisions made on numbers that no longer reflect reality. For startups with multi-currency operations, FX movements between the time you pull one balance and another can shift your net position in ways that matter. ## **Sign \#2: Your cash forecast lives in a spreadsheet that's always slightly out of date** Spreadsheets are where most startups begin. They become a constraint as you scale. A spreadsheet-based forecast relies on manual updates, which inevitably lag behind reality. When actuals and forecasts aren’t continuously aligned, decisions around hiring, payments, and runway are based on outdated assumptions. Common signs: - Forecast hasn’t been updated in over a week - Actuals and forecasts live in separate files - Reconciliation requires a dedicated effort Spreadsheets work when your business is simple. They break when your financial operations aren’t. This is typically the point where startups begin moving from manual tracking to systems that sync actuals and forecasts in real time. ## **Sign \#3: You find out about cash shortfalls too late to act comfortably** If the finance department in your business is mostly reactive, that’s a symptom of poor cash visibility. When your first signal of a cash flow problem is an overdue invoice or a missed payment, it leaves you with little room to address issues before they start, and can feel like you’re always fighting fires. At this stage, finance isn’t driving strategy, it’s reacting to it. And that’s where visibility gaps start becoming business risks. Healthy [cash visibility](https://www.finmo.net/product/cash-visibility) gives you a four-to-twelve-week forward view, with enough confidence to make proactive decisions. That window is what lets you: - Renegotiate payment terms before you need to, not during a crisis - Time vendor payments to protect your liquidity position - Make hiring or investment decisions based on projected runway, not assumptions ## **Sign \#4: You can't answer basic questions about your cash positions** Consider two questions a board member, investor, or potential acquirer might ask in a meeting: - What’s our total cash position across all entities right now? - How does our runway change if revenue slips 20% next quarter? - Where is our liquidity concentrated across currencies?? If answering these requires pulling multiple files or following up later, you don’t have true cash visibility. Strong finance teams don’t memorise numbers, they have systems that surface them instantly. ## **Sign \#5: Reconciliation is a painful, time-consuming end-of-month exercise** Finance teams stuck in that pattern spend more time looking backwards than forwards, which is the opposite of where a growth-stage CFO's attention should go. When reconciliation is backward-looking, decision-making becomes delayed. High-performing finance teams operate on continuous visibility, not month-end corrections. Month-end reconciliation fire drills typically involve: - Cross-checking bank statements against accounting records manually - Chasing missing transactions or unexplained variances - Updating forecasts that should have been updated in real time Strong cash flow visibility makes reconciliation near-continuous. Discrepancies surface early rather than at month-end, and the finance function spends its time on planning rather than data hygiene. ## **The hidden cost of poor cash visibility** Poor cash visibility doesn’t just slow finance teams down, it impacts core business outcomes: - Delayed hiring decisions due to unclear runway - Inefficient capital allocation across entities - FX exposure from fragmented balances - Missed opportunities to optimise working capital The cost isn’t operational, it’s strategic. ## **How startups improve cash visibility (beyond spreadsheets)** Most startups improve cash visibility in three stages: 1. Manual tracking (0–1 stage) Spreadsheets, bank logins, periodic updates 2. Connected visibility (growth stage) Bank integrations, consolidated views, automated reconciliation 3. Real-time treasury (scale stage) Live cash position, forecasting, payments, and FX in one system The shift from stage 1 to stage 2 is where most startups unlock better decision-making. For startups not yet ready for a full-fledged enterprise treasury management system, a TMS-lite platform sits in the right middle ground: more automated than a spreadsheet, less complex than the systems built for large corporations. It's the practical step that most growth-stage teams take when startup treasury management stops being manageable with the tools that got them here. Finmo is designed for startups and mid-market companies that have outgrown spreadsheets but don’t need the complexity of enterprise treasury systems. It brings together: - Real-time cash visibility across all accounts - Integrated forecasting and reconciliation - Global payments and FX capabilities - Liquidity optimisation So finance teams can move from tracking cash to actively managing it. The earlier that foundation is in place, the more confidently you can plan, communicate, and make decisions. That's what it really means to improve cash visibility: not just better numbers, but better decisions. [Get started with Finmo](https://dashboard.finmo.net/signup). * * * FAQs ### **1\. When should a startup move beyond spreadsheets for cash management?** Startups should move beyond spreadsheets when they operate across multiple accounts or currencies, rely on outdated forecasts, or spend significant time manually reconciling data. ### **2\. What are the risks of poor cash visibility?** Poor cash visibility can lead to delayed decision-making, inaccurate runway planning, inefficient capital allocation, and increased exposure to liquidity and FX risks. ### **3\. How do startups improve cash visibility as they scale?** As startups scale, they improve cash visibility by integrating bank accounts, automating reconciliation, and using systems that provide real-time cash positions and forward-looking forecasts. ### **4\. Can spreadsheets handle cash forecasting at scale?** Spreadsheets can work in early stages, but they become unreliable at scale due to manual updates, lack of real-time data, and difficulty reconciling actuals with forecasts. ### **5\. What should good cash visibility look like for a startup?** Good cash visibility means having a real-time view of cash across all accounts and entities, continuously updated forecasts, automated reconciliation, and the ability to make decisions without manual data consolidation. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4245a2d46092953f64480c0d42d74e4a9e80bdbb-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **The CFO's guide to cash intelligence: Visibility, forecasting and payments**\\ \\ Read more](https://www.finmo.net/resources/blog/cash-intelligence-guide) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd8648cb04946a7d32ec35db534455e4968d34710-4800x2700.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The startup founder's guide to financial control**\\ \\ Read more](https://www.finmo.net/resources/blog/founders-guide-financial-control) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4cc4770d55fe51709e6f5c4319ba2c5b3bd7a195-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Global creator payouts don’t scale the way you think they do**\\ \\ Read more](https://www.finmo.net/resources/blog/global-creator-payouts) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem#) Reject AllAccept All ## CFO Treasury Management Blog # The evolution of treasury management: A CFO’s new playbook ![CFO leveraging Finmo’s treasury dashboard for strategic decision-making](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F490341f4b0a7c0d3f6f9674bab906995afbcc447-3200x1800.webp&w=3840&q=100) In this article: - [The Rise of API-Driven Treasury Platforms](https://www.finmo.net/resources/blog/cfo-treasury-playbook#the-rise-of-api-driven-treasury-platforms) - [AI and Machine Learning: The Next Frontier](https://www.finmo.net/resources/blog/cfo-treasury-playbook#ai-and-machine-learning-the-next-frontier) - [The CFO as a Strategic Leader](https://www.finmo.net/resources/blog/cfo-treasury-playbook#the-cfo-as-a-strategic-leader) - [Looking Ahead: The Future of Treasury Management](https://www.finmo.net/resources/blog/cfo-treasury-playbook#looking-ahead-the-future-of-treasury-management) Share: - Link copied From Static Spreadsheets to Real-Time Decision Making Traditionally, treasury management was largely reactive. CFOs relied on static spreadsheets and periodic reconciliations to track cash positions. Decision-making was slow, and visibility across accounts was often murky at best. The risk? A lack of agility in responding to market fluctuations, liquidity challenges, or economic downturns. Fast-forward to today, and real-time cash forecasting and automated reconciliation tools are empowering finance teams like never before. With cloud-based treasury platforms, CFOs can now access up-to-the-minute financial data, allowing them to make more informed decisions on liquidity, risk management, and capital allocation. ## The Rise of API-Driven Treasury Platforms One of the most significant innovations in treasury management has been the rise of API-driven solutions. These platforms integrate seamlessly with banking partners, ERPs, and payment providers, offering CFOs a centralized view of all cash flows. Gone are the days of logging into multiple banking portals or manually consolidating data across different entities. At Finmo, we’ve seen firsthand how API-powered treasury solutions are transforming the way businesses operate. CFOs can now automate payment processing, optimize working capital, and ensure compliance with ever-changing regulations — all from a single dashboard. The result? A more strategic, forward-looking approach to treasury management. ## AI and Machine Learning: The Next Frontier The next wave of treasury evolution is being driven by artificial intelligence and machine learning. Predictive analytics can now anticipate cash flow trends, flag anomalies, and even recommend optimal hedging strategies to mitigate currency risks. AI-driven risk assessments are also helping CFOs navigate geopolitical uncertainty, supply chain disruptions, and volatile interest rate environments with greater confidence. For instance, instead of manually identifying potential fraud risks, AI-powered treasury solutions can instantly detect irregularities in payment patterns and trigger alerts in real time. This not only reduces financial risk but also frees up treasury teams to focus on more strategic initiatives. ## The CFO as a Strategic Leader With these advancements, the role of the CFO is evolving beyond traditional financial oversight. Treasury management is no longer just about managing cash — it’s about enabling growth, optimizing capital structures, and driving business resilience. CFOs and treasurers now play a critical role in shaping corporate strategy, ensuring that liquidity is not just a safeguard but a tool for innovation and expansion. ## Looking Ahead: The Future of Treasury Management The future of treasury management is one of continuous evolution. As financial ecosystems become more interconnected and globalized, CFOs will need to embrace digital transformation as a core competency. Those who leverage real-time data, automation, and AI-driven insights will not only improve financial efficiency but also gain a competitive edge in a rapidly shifting market. At [Finmo](https://www.finmo.net/), we believe that modern treasury management should empower CFOs to focus on what truly matters — building sustainable, agile, and future-ready businesses. The playbook is changing, and for finance leaders, the opportunity to redefine treasury is now. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2be1b497f2e189a8954f3f4e2d02a2a7a27d2c02-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Bringing sexy back to treasury: How modern CFOs are transforming finance operations**\\ \\ Read more](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd1dc67e133cde857419b788299969d80b3ad4e1-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **How AI will transform treasury management in the future**\\ \\ Read more](https://www.finmo.net/resources/blog/how-ai-will-transform-treasury-management-in-the-future) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40ee0450ee103559737f53e59e6a9bc6a604bfc1-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management simplified: A CFO’s guide to cash, liquidity, and FX with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-simplified) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/cfo-treasury-playbook#) Reject AllAccept All ## Treasury vs Payments Blog # Treasury is not payments with a dashboard By Thomas Kang and Michael Kolman ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3847013436b2216a19a65f7ac6fade131d753036-4800x2700.webp&w=3840&q=100) In this article: - [Treasury is not payments with a dashboard](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#treasury-is-not-payments-with-a-dashboard) - [Where the confusion starts](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#where-the-confusion-starts) - [Why payments professionals often struggle with treasury](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#why-payments-professionals-often-struggle-with-treasury) - [Why treasury buyers are skeptical of payment-first narratives](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#why-treasury-buyers-are-skeptical-of-payment-first-narratives) - [The real challenge in the market](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#the-real-challenge-in-the-market) - [Why does payment execution quality still matter](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#why-does-payment-execution-quality-still-matter) - [Many systems, many teams, many rules - one zero tolerance policy](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#many-systems-many-teams-many-rules-one-zero-tolerance-policy) - [What a treasury-informed standard for payments looks like](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#what-a-treasury-informed-standard-for-payments-looks-like) - [Why Finmo is focused on building a true treasury foundation](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#why-finmo-is-focused-on-building-a-true-treasury-foundation) - [Why that makes Finmo better at payments, too](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#why-that-makes-finmo-better-at-payments-too) - [Why Finmo is uniquely positioned](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#why-finmo-is-uniquely-positioned) Share: - Link copied ## Treasury is not payments with a dashboard Why the treasury-first distinction matters for CFOs, Treasurers, and the platforms that serve them Over the past several years, the word “treasury” has become one of the most popular terms in fintech. That should be a good thing. It reflects a real shift in the market. CFOs and Treasurers are under more pressure than ever to protect liquidity, improve visibility, manage FX and funding risk, and operate with greater precision across multiple entities, banks, currencies, and markets. But the popularity of the word has also created confusion. Today, many payment companies claim they offer “treasury solutions.” In reality, what they typically mean is still payments, just presented with a more sophisticated interface, a broader set of workflow tools, or a more polished dashboard. That is a big reason why many Treasurers and CFOs have become skeptical of payment-first narratives. They have learned, through experience, that a better payment experience only impacts a subset of a treasury operating model. And that distinction matters more than most vendors want to admit. A “better” experience needs to consider not only settlement speed but also risk, controls, cost, and a seamless experience. ## Where the confusion starts The confusion between payments and treasury usually stems from one basic fact: Payments are defined transactions. Treasury considers payments and other data sources to make informed operating decisions. **A payment is easy to see. Money is sent. Money is received. A transaction succeeds or fails.** Within a corporation, payments are executed through multiple systems (e.g., ERPs, bank portals, treasury management systems, cards, HR systems). There are low-value payments, high-value payments, and payments with other risk-enhancing characteristics. This complexity must be managed with repeatable controls that ensure compliance - a tall order to manage. It is typical for Treasury to own and govern global payment policy, making it the only team in the finance organization responsible for governing a payment process it does not execute. So, when presented with payment solutions, how do they fit within Treasury’s broader mandate? Those who equate payments and Treasury may want to reconsider their approach. Treasury is broader and often less obvious. In other words, payments are only the execution layer. **Treasury is the funding, risk management, and control layer.** A payment answers: Did the money move? Treasury answers: Should it move, from where, in what currency, at what time, under what controls, what is the status, did it move as expected, and with what consequence for liquidity, risk, and forecast? That distinction is critical. Payments are part of the treasury. But the treasury is much bigger than payments. ## Why payments professionals often struggle with treasury This same confusion also explains why many payments professionals have difficulty understanding treasury and, as a result, struggle to sell treasury solutions credibly. Most payments professionals are trained to sell flow. They focus on transaction speed, acceptance rates, routing, corridor coverage, settlement times, fee reduction, and conversion efficiency. Those are all important. But they belong to a transaction mindset. Treasury buyers will see improvements as benefits, but are ultimately solving for something different. They are solving for risk and control. The seller describes a better way to move money. The buyer manages a financial system. The seller talks about execution. The buyer considers added risk, control of, and visibility to money movement, integration, and total cost of ownership. That gap is not just semantic. It affects how products are built, sold, and evaluated by practitioners: a CFO managing liquidity across multiple entities, a Group Treasurer who has lived through a failed TMS implementation, or a finance lead at a fast-scaling company who has been burned by a payments tool that called itself a treasury platform. ## Why treasury buyers are skeptical of payment-first narratives Treasurers and CFOs are skeptical for good reason. The story often sounds compelling at first: better collections, faster payouts, more rails, cross-border capabilities, smarter routing, improved user experience, and then a dashboard layered on top. But treasury leaders quickly ask deeper questions: - Will payments executed through a new solution still provide real-time visibility in my cash position and liquidity forecast? - I have multiple payment systems, so will this integrate with all of them out of the box? - Can the solution provide a real-time monitor of settlement risk within my TMS or BI tool? - What fraud detection and AML capabilities do you offer, and how do you proactively mitigate cybersecurity vulnerabilities? - Can I view the payment status between the time the payment is released and the time it is settled, especially for cross-border payments? - Can I operationalize FX decisions, not just execute spot conversions? - Can I work within a real framework of controls, approvals, reconciliation, auditability, and policy alignment? - How will the solution reduce costs, remove risk, and increase efficiency in my operations? If the solution can’t effectively address these questions, the product may still be valuable, but it is not a treasury solution. It is still primarily a payments solution. That is the root of skepticism. Treasury leaders are not rejecting payments innovation. They are rejecting the idea that payments alone, even with a better interface, can solve treasury problems. Can Treasury improve control around the timing and certainty of settlement, manage workflow and capture a full audit trail, track the status of any payment, automatically reconcile, and update its position and forecast in real-time? This is Treasury's nirvana. If payment solutions are not addressing these challenges, they are not treasury solutions. ## The real challenge in the market The broader market challenge is that payments and treasury are closely related but not interchangeable. When vendors develop solutions but don’t effectively position them for treasury, a few things happen. First, buyers become confused. They hear “treasury” everywhere but do not always get clarity on what is actually being offered. Second, buyers’ expectations are not well understood. A CFO may explore what appears to be a treasury solution only to discover it’s limited to transaction handling, without materially improving or addressing related needs such as visibility, liquidity management, or forecasting. Third, trust erodes. Treasury teams become skeptical of vendors and may dismiss viable solutions. This is why precision matters. A strong payments capability is important. It is essential, in fact. But the treasury cannot be reduced to solely focusing on moving money more efficiently. Treasury is about managing the entire operating context around money, and payments are only one part of that context. ## Why does payment execution quality still matter None of these means that payments are a secondary concern. Here is the part that often goes unsaid in treasury-first conversations: once a treasury function operates well, the quality of payment execution becomes even more consequential, not less. A Treasurer who has built strong cash visibility, a disciplined 13-week forecast, and a clear FX exposure framework now faces a different and more demanding problem. The treasury decision has been made correctly. The question is whether payment infrastructure can actually deliver on it. That is where the stakes get real. Poor payment execution not only creates friction but also undermines trust. It creates downstream problems that ripple back into the treasury model itself: - A payment that fails to settle on time disrupts a cash forecast built around that timing. - A cross-border transfer routed through the wrong correspondent bank can land at a higher FX cost than anticipated, skewing a hedge. - Limited corridor coverage can force a payment through a suboptimal rail, increasing cost and latency on a transaction that the treasury model had already priced correctly. - A failed or delayed payroll in a high-risk market can create an entity-level liquidity shortfall that the entity was never in a position to withstand. - Weak reconciliation infrastructure means that even a completed payment adds noise rather than clarity to the cash position. In each case, the treasury decision was right. The payment execution let it down. ## Many systems, many teams, many rules - one zero tolerance policy Treasury sets the terms. Payments have to meet them. A corporate payment policy governs the payment process and is defined by Treasury. The policy defines how each payment must be handled, covering a delegation of authority of approvers, segregation of duties, and workflow rules. Treasury must approve any exceptions to the policy, and teams must be able to demonstrate appropriate controls are in place. These compensating controls often generate more steps and more manual work in the process. The workflow becomes more complex due to other factors. Payment risk is not homogeneous. Domestic payments typically carry lower risk than cross-border payments, and certain countries have varying risk profiles. Country, payment amount, currency, entity, counterparty, and the systems used to process payments all generate numerous policy considerations leading to enormous complexity. Corporations seek payment partners who can appreciate the complexity and control that is required and understand that payments don’t always follow the happy path. This is why choosing the right payments partner is a genuine strategic decision, not just an operational one. The quality of your rails, the depth of your corridor coverage, the reliability of your settlement guarantees, and the precision of your reconciliation infrastructure all determine whether treasury decisions can actually be executed as intended. Treasury will never accept solutions that they believe add risk or introduce incremental inefficiency or fragmentation to an already complex process. Articulating how a vendor’s solution can address additional concerns, such as improving controls, increasing automation, improving visibility, and integrating into the treasury ecosystems, is critical when presenting solutions to corporates. ## What a treasury-informed standard for payments looks like When treasury is the starting point, rather than an afterthought, the criteria for evaluating payment infrastructure changes substantially. A business with a strong treasury will ask different questions of its payment provider: - Can you settle at the time my treasury model requires, not just when it is convenient? - Can you support the FX execution I need, at the rate, in the window, and with the confirmation speed my hedging framework depends on? - Can you cover the corridors that matter to my entity structure, not just the popular ones? - Can you deliver more robust data that reduces manual reconciliation and integrates cleanly into my cash position, rather than requiring manual mapping? - Can you work within my approval and control framework, rather than around it? - When something goes wrong, and it will, can you resolve it with the urgency a live treasury position demands? These are not the questions that payment sellers typically hear. They are the questions that emerge naturally once the treasury is operating at a high level. ## Why Finmo is focused on building a true treasury foundation At Finmo, we have been deliberate about this distinction from the beginning. The market does not need more confusion between payments and treasury. It needs clearer thinking, more honest positioning, and products built around the real operating needs of CFOs and Treasurers. We do not believe the treasury should be treated as a feature extension of payments. It should be built as a core financial operating layer. That means starting with the problems finance leaders actually live with every day: - Fragmented cash visibility across banks and systems - Manual cash positioning and reconciliation - Limited forward-looking visibility into cash flows - Disconnected payment and liquidity decisions - FX exposure managed tactically rather than systematically. - Operational complexity across entities, markets, and rails These are treasury problems. Payments matter within that environment, but they should be informed by treasury rather than isolated from it. That is why Finmo’s focus is not simply on enabling money movement. It is on helping businesses achieve connected financial intelligence and control: seeing cash clearly, making better decisions, and executing payments from a position of strength. And because we are building from the treasury layer up, the standard we hold ourselves to on payment execution is correspondingly higher. It is not enough for a payment to succeed. It has to succeed on the terms the treasury model requires at the right time, from the right entity, in the right currency, through the right rail, with data that feeds cleanly back into the cash position. That integration is not incidental. It is the point. ## Why that makes Finmo better at payments, too This is worth stating directly: building a strong treasury foundation does not make payments less important. It makes payments better. When treasury drives execution, the improvement is material. A business can decide from the right account, in the right entity, in the right currency, at the right time. It can avoid unnecessary liquidity stress. It can reduce manual work and operational risk. It can align payment timing with forecasted inflows and obligations. It can treat FX as part of a broader liquidity strategy rather than a series of one-off conversions. And it can be executed with confidence, because the transaction is no longer detached from its financial context. The same logic applies in reverse. A treasury function that operates with a poor payment infrastructure is always fighting upstream. Its decisions are sound, but its execution is unreliable. That gap erodes the value of the treasury work itself and, over time, it erodes trust in the broader financial system. The best payment experiences in the future will not come from companies that optimize the transaction in isolation. They will come from platforms that understand the full treasury context in which that transaction sits, and that hold themselves accountable to the standards that context demands. Better treasury drives better payments. And payment execution, done right, makes treasury decisions real. ## Why Finmo is uniquely positioned Finmo is uniquely positioned because we are not treating treasury as a label or a reporting layer. We are building it as an integrated operating system for modern finance teams. Our view is straightforward: - Payments should be connected to cash visibility. - Cash visibility should connect to forecasting. - Forecasting should inform liquidity decisions. - Liquidity decisions should shape payment timing and funding strategy. - FX management should be embedded into that same operating framework. - All of it should work across banks, entities, currencies, and markets. That integrated approach is what allows treasury and payments to reinforce one another rather than compete for attention. That is the difference between a payment product with treasury language and a true Treasury Operating System. This article was co-authored by Michael Kolman is the Founder of afini, a firm helping organizations improve critical finance processes using AI and automation. He has a proven history of creating value for finance teams through the effective application of technology. Michael is a Strategic Advisor to RadixEdge, an agentic AI company developing solutions for Treasury, Payments, and Commodity management. He previously served as CPO, CSO, and COO at a leading treasury fintech, advancing AI capabilities across treasury management systems. By Thomas Kang and Michael Kolman Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe10a289059c9d9987dbd0ab845d2f77d0948bacd-6400x3600.jpg&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **Cash flow forecasting vs visibility: What comes first?**\\ \\ Read more](https://www.finmo.net/resources/blog/cash-flow-forecasting-vs-visibility) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F55e5d3b00c4c7985f2bdb82e007b1df683e86801-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **How SMEs can compete like big corporates with the right financial intelligence platform**\\ \\ Read more](https://www.finmo.net/resources/blog/smes-compete-big-corporates-financial-intelligence-platform) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/treasury-is-not-payments-with-a-dashboard#) Reject AllAccept All ## Understanding TMS-Lite Blog # What is TMS-Lite? Treasury management solutions explained ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb9892a26891b7db5d8b5ce9e6b64a1baccc8dda3-3200x1800.jpg&w=3840&q=100) In this article: - [Why startups outgrow spreadsheets and bank portals](https://www.finmo.net/resources/blog/what-is-tms-lite#why-startups-outgrow-spreadsheets-and-bank-portals) - [What is TMS-Lite?](https://www.finmo.net/resources/blog/what-is-tms-lite#what-is-tms-lite) - [Why enterprise TMS platforms don’t work for startups?](https://www.finmo.net/resources/blog/what-is-tms-lite#why-enterprise-tms-platforms-dont-work-for-startups) - [TMS vs TMS-Lite: What’s the difference?](https://www.finmo.net/resources/blog/what-is-tms-lite#tms-vs-tms-lite-whats-the-difference) - [How Finmo works as a TMS-Lite platform](https://www.finmo.net/resources/blog/what-is-tms-lite#how-finmo-works-as-a-tms-lite-platform) - [Move to TMS-Lite with Finmo](https://www.finmo.net/resources/blog/what-is-tms-lite#move-to-tms-lite-with-finmo) Share: - Link copied TMS-Lite is a simplified treasury management system built for startups and scaling companies. Instead of complex enterprise treasury software, TMS-Lite platforms help finance teams: - See cash across multiple bank accounts and entities in real time - Forecast liquidity and runway using live financial data - Manage global payments and currencies from one platform Startups typically adopt TMS-Lite when they begin operating across multiple banks, currencies, and international markets. ## Why startups outgrow spreadsheets and bank portals Startups often manage treasury operations through spreadsheets and multiple bank portals. This works early on, but becomes difficult once the company operates across multiple bank accounts, entities, and currencies. Payments get processed, bank statements get downloaded, and cash balances are checked occasionally to confirm runway. But that approach starts to break once the company begins scaling. **Treasury becomes more complex as startups scale** When a startup reaches Series A or Series B and begins expanding across markets, treasury complexity increases quickly. But that approach stops working once a startup reaches Series A or Series B and begins scaling across different regional markets. At this stage, three things typically happen at the same time: - You operate across multiple bank accounts and currencies - Cross-border payments increase as you hire and pay vendors globally - Investors expect cash runway forecasts and liquidity planning And if you want to build a fast-growing startup without the financial hiccups, your treasury cannot just involve sending payments or reconciling statements. It has to become a strategic control layer that determines how clearly you can see your liquidity and how confidently you can scale. For large corporations, this infrastructure is typically delivered through full-blown Treasury Management Systems (TMS). But for startups, those enterprise systems often introduce far more complexity than the business actually needs. That’s where TMS-lite can help. Even smaller finance teams face similar challenges. According to [PwC’s 2025 Global Treasury Survey](https://www.pwc.com/us/en/services/consulting/business-transformation/library/2025-global-treasury-survey.html): - 83% of organizations identify FX exposure as their most critical financial risk - 74% are expanding the use of AI for predictive analytics and forecasting - 65% plan to increase API connectivity across treasury systems These trends are now shaping how startup finance teams manage treasury infrastructure. ## What is TMS-Lite? TMS-Lite is a simplified treasury management system designed for startups and scaling companies. It provides the essential treasury capabilities finance teams need including cash visibility, forecasting, and global payment control without the complexity of enterprise treasury systems. Rather than covering every treasury function imaginable, TMS-Lite solutions focus on the workflows that matter most for growing startups: - Real-time cash visibility across bank accounts - cash flow forecasting to plan runway and liquidity - payment orchestration with proper controls and approvals The goal is not to replicate a full corporate treasury department. The goal is to give finance teams clarity and control over cash as the business scales. Instead of building a full corporate treasury department, startups need systems that allow small finance teams to operate with the same financial clarity. In simple terms: - Enterprise TMS platforms support complex treasury departments - TMS-Lite platforms give growing companies the treasury infrastructure they need before they have a treasury team ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5a95ceb877052d54f72b18401b2bc7e5e5ec02ac-3200x1800.jpg&w=3840&q=100) ## Why enterprise TMS platforms don’t work for startups? Traditional treasury management systems are designed for organizations with complex financial operations and large treasury teams. Enterprise TMS platforms also come with significant operational overhead. Implementation can take six to eighteen months, often requiring consultants, internal IT teams, and extensive system configuration. For startups trying to scale quickly, the real treasury questions are much simpler: - Where is our cash across all bank accounts and currencies? - How accurate is our runway forecast for the next six to twelve months? - How do we manage global payments without manual reconciliation? TMS-Lite platforms are designed to answer those questions without forcing startups to adopt enterprise-grade treasury infrastructure too early. They provide the essential treasury capabilities finance teams need today, while remaining flexible enough to scale as the company grows. ## TMS vs TMS-Lite: What’s the difference? ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F975139b4cade57423d15e0042a4da144413cded5-3200x2800.jpg&w=3840&q=100) ## How Finmo works as a TMS-Lite platform [Finmo is a treasury management system built specifically for scaling startups.](https://www.finmo.net/solutions/startups) Rather than forcing finance teams to implement enterprise treasury software, Finmo provides the core capabilities that startups need to manage liquidity, forecasting, and payments–all through a single connected system. Here’s how Finmo helps startups manage their finance function without the complexity of bloated enterprise TMSes or the ineffectiveness of large spreadsheets: ### **1\. Real-time global cash visibility** [Finmo connects directly to banks](https://www.finmo.net/product/cash-visibility), ERPs, and accounting systems via APIs to aggregate balances across currencies and entities into one real-time treasury dashboard. Instead of compiling bank statements or reconciling spreadsheets, finance teams operate from a continuously updated view of company liquidity. With Finmo, finance teams can: - Consolidate balances across banks, entities, and currencies into a single global cash view - Track liquidity movement across accounts to understand where capital is sitting and how it is being used - Answer investor and board questions faster with real-time visibility into runway and global liquidity - Create a single source of truth for cash, allowing CFOs to make faster and more confident decisions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fecbb37b06171d2fabde9c41a63cd1a98e73f50cc-3200x1800.jpg&w=3840&q=100) ### **2\. Dynamic cash flow forecasting** [Finmo’s cashflow forecasting engine](https://www.finmo.net/product/cash-flow-forecasting) combines live financial data to generate liquidity projections. Instead of relying on manually updated spreadsheets, forecasts update dynamically as transactions, invoices, receivables, and payables change. Finance teams can use forecasting to: - Project future cash positions using live bank data and financial activityModel best- and worst-case scenarios such as delayed revenue, accelerated hiring, or unexpected expenses - Adjust forecasting assumptions and visualize results in charts and reports for board discussions ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F56ed49709bbdd30662d73227eccc8f3e28891a9a-3200x1800.jpg&w=3840&q=100) ### **3\. Global accounts, payments, and FX management** As startups expand internationally, treasury operations must support cross-border payments, multi-currency balances, and foreign exchange exposure. [Finmo enables finance teams to manage global cash movement from a single platform.](https://www.finmo.net/product/payments) With Finmo, startups can: - Open virtual local currency accounts and hold funds in 36+ currencies without needing to build multiple banking relationships - Send and receive international payments while tracking the entire workflow - Manage payables and incoming receivables to maintain clearer short-term liquidity visibility - Setup FX hedging strategies to reduce unexpected currency costs - End payment errors and reduce fraud with instant account verification ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3bf913822ece0fbb6edb4db7496c22b4388ef488-3200x1800.jpg&w=3840&q=100) ### **4\. Automated reconciliation and financial controls** Manual reconciliation becomes increasingly time-consuming as transaction volume grows across banks and currencies. [Finmo automates transaction matching](https://www.finmo.net/product/ap-ar-automation) and categorization across accounts, reducing spreadsheet work and improving financial accuracy. Finance teams benefit from: - Automated reconciliation of transactions across banks and accounts - Structured approval workflows for payments and treasury actions - Clear audit trails for financial reporting and compliance ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb5cc6bd835f632f82e4b577a46943f08ca84c774-3200x1800.jpg&w=3840&q=100) ## Move to TMS-Lite with Finmo Most startups try to manage treasury with spreadsheets, bank portals, and manual reconciliation for far longer than they should. That approach might work when the company operates from a single bank account. But once you start managing multiple currencies, global payments, and growing transaction volumes, those tools quickly become a bottleneck. Finance teams end up spending more time stitching together data than actually analyzing it. Forecasts become unreliable, reconciliation slows reporting, and answering a simple question about liquidity can take hours. A TMS-Lite platform like Finmo removes that friction. By connecting your banks, payments, and financial data into a single treasury platform, Finmo gives startups real-time cash visibility, more reliable forecasting, and better control over global payments–without the complexity of enterprise treasury systems. Connect your accounts and start managing treasury with real-time visibility in minutes. [Get started with Finmo](https://dashboard.finmo.net/signup?_gl=1*kwqbe8*_gcl_au*NDI4ODgxNjIwLjE3NzI2MTIwMTQ.*_ga*MTIzMzMyNDgwMC4xNzQzNzU2MzA4*_ga_FVTPQLQCYH*czE3NzMxMjU1NzAkbzYzJGcxJHQxNzczMTI1ODY2JGoxNCRsMCRoMA..) ### FAQs - **What is TMS-Lite in treasury management?** TMS-Lite is a simplified version of treasury management software designed for startups and scaling companies. It focuses on core treasury workflows such as cash visibility, forecasting, and payment control without the complexity of enterprise treasury systems. - **How is TMS-Lite different from a full treasury management system?** A full Treasury Management System (TMS) supports complex treasury operations such as hedge accounting, investment management, and regulatory reporting. TMS-Lite platforms focus on practical treasury needs like cash visibility, forecasting, and payments, making them more suitable for startups and smaller finance teams. - **What does treasury management mean for startups?** Treasury management for startups refers to how a company monitors, controls, and plans its cash position as it grows. It can include (but isn’t limited to) tracking liquidity across bank accounts, forecasting future cash flows, managing payments, and monitoring FX exposure when operating across currencies. - **Do startups need a treasury management system?** Early-stage startups often manage treasury through spreadsheets and bank portals. However, once companies start operating across multiple bank accounts, currencies, and global payments, manual workflows become unreliable. At this stage, many startups adopt TMS-Lite platforms to gain real-time cash visibility, improve forecasting accuracy, and centralize payment workflows without any complex enterprise treasury systems. - **What is the difference between cash management and treasury management?** Cash management is a part of the company’s treasury function. Cash management focuses on the day-to-day handling of cash, such as tracking balances, sending payments, and managing bank accounts. Treasury management is more strategic, including liquidity planning, forecasting, and financial risk management. - **When should a startup start using a TMS-Lite platform?** Many startups begin using TMS-Lite around Series A or early Series B, when they start managing multiple bank accounts, operating across currencies, and processing higher volumes of cross-border payments. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc48d4e32328d79f390b87a17d3421637646eace8-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The 2026 CFO readiness checklist**\\ \\ Read more](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faeb131f7a4fd203e456a68652bef4a17f822f271-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **Maximizing returns: The art of idle cash management for modern treasurers**\\ \\ Read more](https://www.finmo.net/resources/blog/idle-cash-management) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **FX risk management: Deconstructing hedging complexity for SMEs**\\ \\ Read more](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/what-is-tms-lite#) Reject AllAccept All ## Liquidity Strategy Warnings Blog # 3 warning signs your liquidity strategy isn’t working (& how CFOs can fix It) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F20b23a34bac3b5cd14853a73249e59c073149543-3200x1800.webp&w=3840&q=100) In this article: - [Warning sign #1: You don’t have real-time cash visibility](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#warning-sign-1-you-dont-have-real-time-cash-visibility) - [How Finmo helps get more visibility](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#how-finmo-helps-get-more-visibility) - [Warning sign #2: FX risks are affecting your margins](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#warning-sign-2-fx-risks-are-affecting-your-margins) - [How Finmo helps protect margins](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#how-finmo-helps-protect-margins) - [Warning sign #3: Your forecasts never match reality](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#warning-sign-3-your-forecasts-never-match-reality) - [How Finmo makes forecasting reliable](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#how-finmo-makes-forecasting-reliable) - [Build an effective liquidity strategy before it's too late](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#build-an-effective-liquidity-strategy-before-its-too-late) Share: - Link copied Liquidity failures rarely come with a warning. By the time problems surface, it’s usually too late to respond without damage. For CFOs, the challenge isn’t just knowing how much cash the business has today. It’s about seeing what’s coming next and having the ability to act before gaps turn into crises. That’s why building a resilient liquidity strategy is no longer optional. Recognizing the early warning signs of failure is the first step to protecting working capital, strengthening treasury operations, and giving your business the confidence to grow. ## Warning sign \#1: You don’t have real-time cash visibility If your finance team generates only month-end cash flow reports or needs to log into multiple bank portals just to piece together your cash position, you are already operating on blind spots. That delay in reporting forces CFOs to make decisions on outdated data–trapping cash in the wrong places, creating liquidity gaps, and making it harder to optimize working capital. The pandemic made this weakness painfully obvious. Many mid-market businesses realized too late that profitability alone doesn’t guarantee resilience. Without a real-time view of your liquidity, even well-run companies face survival risks. As [Michael San Diego, EON Group](https://tldv.io/app/meetings/685b58495b391900136b2e9f?transcript=true&video=true) put it, “If you don’t have extra funds (or don’t know if you have extra funds), it’s really difficult to survive another pandemic-like situation or even execute your next growth strategy.” Without real-time data, CFOs often: - Overestimate available cash, leading to overdrafts or emergency borrowing - Underestimate liquidity, leaving idle funds uninvested - Miss warning signals, failing to spot tightening working capital early ## How Finmo helps get more visibility Finmo’s connected treasury platform turns fragmented financial data into a single source of truth for liquidity. Connecting directly to your global bank accounts, ERPs, and accounting systems, it gives you a real-time, consolidated dashboard across currencies, entities, and regions. Instead of chasing bank account statements or stitching spreadsheets, CFOs get a real-time view of: - Where cash sits, in which currency, and how it’s moving - Full payment life-cycle visibility--from initiation to settlement - FX exposures across currencies to plan hedging and reduce risk - Upcoming payables and receivables to forecast working capital needs ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffbfdcd215beb70674d895867429ef3d4777eeb70-1800x1040.webp&w=3840&q=100) ## Warning sign \#2: FX risks are affecting your margins Revenue in one currency, expenses in another, sounds manageable until exchange rate swings wipe off your already thin profit margins overnight. For SMEs, these silent leaks affect both P&L and cash flow. Even a small FX movement can: - Make supplier payments significantly more expensive - Shrink gross margins on international sales - Turn a profitable contract into a loss-making one by the time invoices are settled Without real-time visibility into exposures, CFOs are left reacting instead of planning. There’s no way to hedge proactively, which means liquidity forecasts become unreliable and working capital gets harder to manage. In the current volatile environment, where geopolitical instability and shifting interest rate cycles amplify currency swings, growing businesses cannot afford to ignore FX. Though remember: managing FX risks isn’t about trying to beat the market. It’s about taking uncertainty off the table so your business can grow with confidence. That’s why CFOs need to ask the hard questions, because without clear answers, FX risks keep compounding in the background: - Where exactly are we exposed to currency risks? - How much of our yearly FX volume can we forecast with confidence? - What level of volatility can we tolerate without jeopardizing margins, obligations, or payroll? ## How Finmo helps protect margins Finmo gives CFOs enterprise-level FX tools to manage risks with clarity: - **Real-time cash positioning:** See where cash is coming in and going out across different currencies and accounts. - **Transparent rates with no hidden spreads:** Access live, competitive FX rates for 36+ currencies with full visibility. - **Flexible rate locking:** Secure FX rates for up to 24 hours on major and emerging currencies to protect margins. - **Automated hedging strategies:** Decide when and how much to hedge, and let the platform execute it automatically, ensuring cash flow predictability without extra manual work. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8651e2df8b3b5b4b183f0d21bb66f5664abf6be6-1800x1040.webp&w=3840&q=100) ## Warning sign \#3: Your forecasts never match reality When forecasts consistently miss the mark, the problem isn’t bad math, it's bad visibility. Without clear accountability and connected data, companies struggle to match cash estimates with actual performance. The result: future planning and scenario modeling become guesswork instead of strategy. The cost of inaccurate forecasting is steep: - Unexpected cash shortages that force emergency borrowing - Higher financing costs that erode margins - Delayed projects and strained supplier relationships - Eroded investor confidence, as credibility takes a hit Worse, some forecasts may appear accurate but mask underlying weaknesses, creating a false sense of security that leaves CFOs blindsided when reality diverges. On the flip side, EY reports that companies with strong forecasting practices can reach up to [90% quarterly accuracy](https://www.ey.com/en_us/insights/strategy/cash-forecasting-difficult-and-more-urgent-than-ever) against enterprise-level cash flow targets. Instead of stockpiling cash or operating in crisis mode, the best-run companies build a strong liquidity strategy, which helps ensure the business has the right amount of cash available, in the right currency, at the right time. It gives CFOs the confidence to fund growth initiatives, cover obligations, and respond quickly to market shifts, without scrambling for emergency financing or holding excess reserves that drag down returns. ## How Finmo makes forecasting reliable Finmo’s forecasting engine transforms your liquidity planning from guesswork into strategic foresight: - **Dynamic forecasting powered by real-time data:** Finmo projects future cash positions by combining real-time bank transactions, invoices, bills, receivables, and payables, all in a unified dashboard. - **Empowered scenario simulation and instant switching:** Test “what-if” scenarios like delayed payments, unexpected expenses, or accelerated revenue, and instantly view the impact. Toggle between best‑case and worst‑case scenarios seamlessly to compare outcomes side by side. - **Customizable scenario inputs and visualizations:** Make high-level adjustments (such as overall percentage shifts) or drill into granular modifications for individual receivables/payables. Visualize outcomes side-by-side in both graph and table formats and then export presentation-ready reports for stakeholder alignment. - **One cohesive cashflow story:** View your entire cash yet-to-be story in one intuitive dashboard–tracking historical trends, seasonality, and performance—all without spreadsheets or broken workflows. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb5c2395e0f6d797bf1acbc1bc313dfb3938d8499-1800x1040.webp&w=3840&q=100) ## Build an effective liquidity strategy before it's too late Liquidity failures aren’t a matter of bad luck; they’re the predictable outcome of disconnected systems and limited visibility. With Finmo’s connected treasury platform, CFOs gain a single source of truth for cash, FX, and forecasts. That means fewer surprises, stronger liquidity strategies, and the confidence to steer the business with precision. Any information provided on this website is for general information purposes only and does not take into account your objectives, financial situation or needs. Please consider our [Financial Services Guide](https://www.finmo.net/financial-services-guide) and [Product Disclosure Statement](https://www.finmo.net/product-disclosure-statment) and if the information is right for you before acquiring the product or service. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbef6c5bf7ebb708014039b732aa07e9893da6955-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Beyond payroll: Building a future-ready finance stack for BPOs**\\ \\ Read more](https://www.finmo.net/resources/blog/beyond-payroll-building-a-future-ready-finance-stack-for-bpos) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)#) Reject AllAccept All ## CFO's Cash Intelligence Guide Blog # The CFO's guide to cash intelligence: Visibility, forecasting and payments ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4245a2d46092953f64480c0d42d74e4a9e80bdbb-3200x1800.jpg&w=3840&q=100) In this article: - [Why cash intelligence matters for modern CFOs](https://www.finmo.net/resources/blog/cash-intelligence-guide#why-cash-intelligence-matters-for-modern-cfos) - [Cash intelligence vs traditional approaches](https://www.finmo.net/resources/blog/cash-intelligence-guide#cash-intelligence-vs-traditional-approaches) - [The hidden cost of operating without cash intelligence](https://www.finmo.net/resources/blog/cash-intelligence-guide#the-hidden-cost-of-operating-without-cash-intelligence) - [Is your business missing the cash intelligence layer?](https://www.finmo.net/resources/blog/cash-intelligence-guide#is-your-business-missing-the-cash-intelligence-layer) - [What cash intelligence looks like when it actually works](https://www.finmo.net/resources/blog/cash-intelligence-guide#what-cash-intelligence-looks-like-when-it-actually-works) - [Here’s what cash intelligence looks like when it actually works well](https://www.finmo.net/resources/blog/cash-intelligence-guide#heres-what-cash-intelligence-looks-like-when-it-actually-works-well) - [How Finmo enables cash intelligence](https://www.finmo.net/resources/blog/cash-intelligence-guide#how-finmo-enables-cash-intelligence) Share: - Link copied If you’re a [CFO at a startup](https://www.finmo.net/solutions/startups) expanding globally, your finance setup is already more complex than it should be. As soon as you start operating across multiple markets, cash stops being simple. It sits across different bank accounts, currencies, and regions, and moves through systems that don’t fully connect. Visibility becomes fragmented, forecasts rely on outdated inputs, and payments don’t always reflect back into your numbers in real time. The result is a finance function that spends more time tracking and validating data than acting on it. Cash intelligence can solve this by bringing visibility, forecasting, and payments into one layer. In this guide, we’ll break down what cash intelligence actually means, why traditional finance setups fall short, and how CFOs can build a connected system that supports both operational control and strategic decision-making. ## Why cash intelligence matters for modern CFOs [Today’s CFOs](https://www.finmo.net/solutions/cfo) are expected to operate at two speeds at once: - They handle day-to-day cash operations where they manage liquidity and oversee payments to keep the business running smoothly. - They drive strategic outcomes, guiding expansion, allocating capital, and building investor confidence In theory, these two responsibilities should support each other with strong operational control enabling better strategic decisions. But for many startups, the opposite happens. [Most CFOs still operate without real-time cash visibility](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge), which means they spend more time tracking liquidity, reconciling payments, and validating numbers than actually using them. Forecasts are available but most are built on delayed or incomplete data which makes them unreliable. Industry data highlights the scale of the problem: - [37% of CFOs do not completely trust the accuracy](https://www.finmo.net/resources/blog/cash-intelligence-guide) of their financial data, and 98% lack complete confidence in their cash flow visibility. - 50% of finance executives say poor cash visibility slows their ability to respond to market fluctuations. So while CFOs are expected to act as strategic leaders for the startup, they remain tied to operational inefficiencies that should not exist at this stage. And the primary cause of this problem is the lack of connection between finance data. Most finance teams today operate across three disconnected layers: - [**Cash visibility:**](https://www.finmo.net/product/cash-visibility) Viewing balances across bank portals or dashboards - [**Cash flow forecasting:**](https://www.finmo.net/product/cash-flow-forecasting) Managing projections in spreadsheets or planning tools - [**Payments**:](https://www.finmo.net/product/payments) Executing transactions through banks or PSPs Data sits across multiple bank accounts, ERPs, spreadsheets, and analytical tools, with no single source of truth. This makes reconciliation time-consuming and, more importantly, makes a real-time view of cash almost impossible. Cash intelligence fills this gap by acting as the missing layer that connects visibility, forecasting, and payments into a single system. Instead of operating as separate workflows, these functions begin to work together. It ensures that: - Visibility reflects real-time cash positions across the business - Forecasting is built on live data, not outdated assumptions - Payments feed directly back into both, keeping the system aligned ## Cash intelligence vs traditional approaches Most finance teams still rely on a mix of spreadsheets, bank portals, and legacy treasury systems. While each of them solves a part of the problem, none solve the problem end-to-end. ![Cash intelligence vs traditional approaches](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fca72fa403163837d6d6b84569b4c9f77d679a870-3200x1700.jpg&w=3840&q=100) ## The hidden cost of operating without cash intelligence The breakdown in finance systems rarely ever appears as a sudden disruption. There is no single moment where something clearly stops working or demands immediate attention. Here are all the hidden costs that businesses have to bear when operating without cash intelligence 1. **You start building buffers instead of making confident decisions** When visibility is delayed and forecasts are consistently unreliable, the first impact shows up in how CFOs manage liquidity. They begin to compensate for the lack of clarity by increasing liquidity buffers. Capital gets held back, and decisions that depend on available liquidity are delayed or scaled down. **2\. You spend more time validating information than acting on it** When basic questions about cash require pulling data from multiple systems, finance teams get pulled into a cycle of constant manual reconciliation. This creates a workflow where: - Reports are available, but require validation before use - Forecasts are prepared, but need adjustments to reflect recent changes - Numbers exist, but are not immediately actionable Instead of focusing on capital allocation, risk management, or growth planning, a significant portion of time is spent aligning data, resolving discrepancies, and confirming accuracy. **3.You respond to issues after they surface instead of anticipating them** The most significant impact of disconnected systems is the loss of forward visibility. - Liquidity constraints become visible only when cash positions tighten. - FX impacts are recognized after they have already affected margins. - Working capital inefficiencies come up when they begin to disrupt operations. And in fast-moving environments, that delay translates into missed opportunities and slower execution. Cash intelligence helps shift finance from reactive to proactive. ## Is your business missing the cash intelligence layer? Use this quick checklist to assess whether your finance function is operating with connected cash intelligence, or still relying on fragmented workflows. How to interpret this: Mostly “No” → Fragmented cash systems Mostly “Sometimes” → Partial visibility Mostly “Yes” → Connected cash intelligence ![Is your business missing the cash intelligence layer?](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F09e3f9f5365b8c7518f8d0577834fd29c8a7aa42-3200x4478.jpg&w=3840&q=100) ## What cash intelligence looks like when it actually works Instead of introducing new workflows, cash intelligence changes how the existing workflows in your finance function interact. Instead of operating in stages where visibility feeds forecasting and forecasting informs execution, finance begins to function as a continuous system where each action updates the next. Each phase builds toward the same outcome: a finance function where visibility, forecasting, and execution are no longer separate processes, but parts of a single, connected system. **See → Plan → Act** ![phases of cash intelligence are see, plan, and ac](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4423e7839da14ede263346bc3958678972c9955f-3200x1466.jpg&w=3840&q=100) ## Here’s what cash intelligence looks like when it actually works well **Phase 1: Build a real-time cash visibility foundation** The goal at this stage is to move away from visibility as a reporting outcome and achieve real-time visibility. This requires connecting all relevant bank accounts and financial systems into a single view, where balances can be accessed instantly without manual intervention. It also involves reducing reliance on spreadsheets for consolidation, which are inherently static and prone to becoming outdated. Once this foundation is in place, finance teams can answer basic but critical questions with confidence, such as the current cash position across entities and the distribution of liquidity. **Phase 2: Introduce dynamic, data-connected forecasting** Traditional forecasting methods rely heavily on static models that are updated periodically. While these can provide directional insight, they struggle to keep up with the pace of change in startups. To move toward cash intelligence, forecasting needs to be connected directly to live financial data. This means integrating forecasts with actual transactions, receivables and payables (AR/ AP), and bank accounts across different currencies and countries. Forecasts are no longer based on static assumptions. They update continuously as new data flows in, staying aligned with actual business activity. This enables rolling forecasts that update continuously. It also allows for scenario modelling, where CFOs can test the impact of delays, cost changes, or revenue shifts in real time. **Phase 3: Integrate execution through payments and reconciliation** To complete the transition to cash intelligence, payments need to be fully integrated into the workflow, which involves centralizing payment processes so that: - Transactions are visible at the point of execution - Approvals are structured and traceable - Reconciliation is automated rather than manual When payments are connected in this way, every transaction immediately updates both cash visibility and forecasting. This closes the loop between seeing, planning, and acting. ## How Finmo enables cash intelligence Finmo operates as a [TMS-lite platform](https://www.finmo.net/resources/blog/what-is-tms-lite), bringing together cash visibility, forecasting, and payments into a single connected system. Instead of switching between tools, CFOs can manage how cash is seen, planned, and moved–all through a dedicated dashboard in one place. ### [**Cash visibility**](https://www.finmo.net/product/cash-visibility) See your global cash position across accounts, entities, and currencies in real time, without switching between systems. - Track how funds move, with full payment lifecycle visibility from initiation to settlement - Identify FX exposures that impact margins - View upcoming receivables and payables to better understand near-term liquidity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0ff75bb2fe6cec93b003484f829a6ee69692d28e-3200x1800.jpg&w=3840&q=100) ### [**Cash forecasting**](https://www.finmo.net/product/cash-flow-forecasting) Build dynamic cash flow forecasts that update automatically based on transactions, receivables and payables. - Run scenario simulations to understand the impact of delays, cost changes, or revenue shifts - Switch instantly between best-case and worst-case scenarios for comparison - Visualize projections through charts and tables, and export reports for stakeholder alignment ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffbeb08a0bbaa1ad0144b6def7a4ea0344dc08305-3200x1800.jpg&w=3840&q=100) ### [**Payments**](https://www.finmo.net/product/payments) Execute global payments directly from the same system: - Collect in 30+ currencies - Convert anytime - Pay out to 180+ countries - Track the full payment lifecycle ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3f802a0d7a219d67d14fd210bee5412258a7371b-3200x1800.jpg&w=3840&q=100) Move from fragmented systems to connected cash intelligence, with no integration or KYB required. [Get started with Finmo](https://dashboard.finmo.net/signup?_gl=1*kwqbe8*_gcl_au*NDI4ODgxNjIwLjE3NzI2MTIwMTQ.*_ga*MTIzMzMyNDgwMC4xNzQzNzU2MzA4*_ga_FVTPQLQCYH*czE3NzMxMjU1NzAkbzYzJGcxJHQxNzczMTI1ODY2JGoxNCRsMCRoMA..) ### FAQs **What is cash intelligence in finance?** Cash intelligence is a connected approach to managing cash, where visibility, forecasting, and payments operate within a single system. Instead of relying on separate tools and manual processes, it ensures that cash positions are visible in real time, forecasts are based on live data, and every transaction updates the system instantly. **How is cash intelligence different from traditional treasury management?** Traditional treasury systems are often complex, expensive, and built for large enterprises. They take time to implement and require structured processes that may not suit fast-growing global startups. Cash intelligence, on the other hand, is designed to be lightweight and connected. It focuses on unifying visibility, forecasting, and payments without adding operational overhead. **When should a startup invest in cash intelligence?** Startups typically start needing cash intelligence when they expand across multiple markets, currencies, or entities. If your team is already spending a lot of time reconciling data, struggling to get a clear view of cash, or relying on forecasts that are frequently inaccurate, it is a strong signal that your current setup is no longer sufficient. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F268114baf098154910dffd1806072d5e28b9788f-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **A practical guide to treasury management for startups**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-for-startups) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd8648cb04946a7d32ec35db534455e4968d34710-4800x2700.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The startup founder's guide to financial control**\\ \\ Read more](https://www.finmo.net/resources/blog/founders-guide-financial-control) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb9892a26891b7db5d8b5ce9e6b64a1baccc8dda3-3200x1800.jpg&w=3840&q=100)\\ \\ - Product\\ \\ **What is TMS-Lite? Treasury management solutions explained**\\ \\ Read more](https://www.finmo.net/resources/blog/what-is-tms-lite) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/cash-intelligence-guide#) Reject AllAccept All ## Transaction Categorization Overview Blog # Transaction categorization and Its importance in accounting ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F99c621cf4e75e7fd4f9a9746ae7218333db54afd-3200x1800.webp&w=3840&q=100) In this article: - [What is Transaction Categorization?](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#what-is-transaction-categorization) - [Approaches to Transaction Categorization](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#approaches-to-transaction-categorization) - [How Transaction Categorization Enhances Accounting Efficiency?](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#how-transaction-categorization-enhances-accounting-efficiency) - [Implementing Transaction Categorization in Finmo](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#implementing-transaction-categorization-in-finmo) - [Defining Categories and Subcategories](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#defining-categories-and-subcategories) - [Building a Hierarchical Structure](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#building-a-hierarchical-structure) - [Reporting Tags](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#reporting-tags) - [The Future of Transaction Categorization in Finmo](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#the-future-of-transaction-categorization-in-finmo) - [Rule-Based Categorization](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#rule-based-categorization) - [Machine Learning-Driven Categorization](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#machine-learning-driven-categorization) Share: - Link copied As businesses scale, the volume of financial transactions increases, making it increasingly complex to track and manage them effectively. Proper transaction management is critical to maintaining financial accuracy and ensuring seamless reconciliation. Without a structured approach, unclassified transactions can lead to discrepancies- either being misclassified in financial statements or duplicated across multiple reports- resulting in inaccurate financial insights. Categorizing transactions into predefined classifications provides greater transparency into cash flows, enabling finance teams to track income sources and expenditures efficiently. This blog will explore the fundamentals of transaction categorization and how it enhances the efficiency and accuracy of accounting processes. ## What is Transaction Categorization? Transaction categorization goes beyond simply classifying a transaction as income or expense. It involves analyzing multiple data points, such as the transaction amount, merchant details, description, and purpose, to assign it to the appropriate category. By structuring transactions in this way, businesses can gain deeper insights into their financial activities, streamline reconciliation, and improve financial reporting. For example, consider a retail business that receives payments from multiple sources - online sales, in-store purchases, and wholesale orders. Without proper categorization, all incoming transactions may appear as generic revenue, making it difficult to analyze performance across different sales channels. However, by categorizing transactions based on their source, the business can track revenue streams more accurately, identify trends, and make informed financial decisions. ## Approaches to Transaction Categorization There are three primary approaches to transaction categorization. The first involves manually assigning categories to transactions, the second approach automates categorization by applying predefined rules. Finally, machine learning can be leveraged to categorize transactions efficiently. ### 1\. Manual Categorization: This method requires finance teams to manually assign categories to each transaction based on key attributes such as amount, description, and customer details. Example: A small business manually categorizes office supply purchases under “Operational Expenses” and customer payments under “Revenue” to ensure accurate bookkeeping. ### 2\. Rule-Based Categorization: This approach automates transaction classification using predefined rules based on specific parameters such as transaction descriptions, amounts, or merchant names. By establishing a set of conditions, businesses can ensure consistency and reduce the need for manual intervention. Example: A company can define a rule that automatically categorizes all transactions from “XYZ Software Inc.” as “Software Subscriptions” streamlining expense tracking. ### 3\. Machine Learning-Based Categorization: Machine learning models analyze large datasets of previously categorized transactions to identify patterns and predict the appropriate category for new transactions. This method improves over time, enhancing accuracy and adaptability. Example: A retail business receives supplier invoices for different types of inventory, such as electronics, clothing, and accessories. A machine learning model can analyze past categorizations and automatically assign new invoices to the correct expense category-”Electronics Inventory” or “Apparel Purchases”-based on supplier name, transaction amount, and past trends. ## How Transaction Categorization Enhances Accounting Efficiency? Effective transaction categorization is essential for streamlined accounting. By systematically classifying financial transactions, businesses can enhance account reconciliation, improve financial reporting accuracy, optimize cash flow management, and automate key accounting processes. ### 1\. Account Reconciliation: Transaction categorization significantly enhances the account reconciliation process by improving accuracy, visibility, and efficiency. Reconciliation involves matching financial records in the organization’s books with bank statement entries to ensure consistency. By grouping transactions into predefined categories - such as “Revenue,” “Operational Expenses,” or “Bank Fees” finance teams can quickly align corresponding entries. This structured approach streamlines the identification of discrepancies. Example: Suppose an organization’s records show an invoice payment of $5,000, while the bank statement reflects a transaction of $5,010. Categorization reveals that the additional $10 is a bank fee, enabling faster resolution. Additionally, transactions that fail to match bank entries are typically flagged as “Uncategorized.” These entries require closer examination, helping finance teams prioritize unresolved transactions and allocate time efficiently. By leveraging transaction categorization, businesses can expedite reconciliation, reduce errors, and maintain accurate financial records. ### 2\. Improved Financial Reporting: Transaction categorization enhances financial reporting by enabling businesses to generate detailed reports tailored to their specific needs. Properly categorized data allows finance teams to identify spending patterns and income trends, supporting informed decision-making. It also plays a vital role in preparing key financial statements such as the Profit & Loss (P&L) Statement, Balance Sheet, and Cash Flow Statement. By ensuring that revenue, expenses, assets, and liabilities are accurately classified, categorization improves financial clarity and transparency. Example: Purchasing new machinery for a production facility would be categorized under “CAPEX (Capital Expenditure)-Machinery & Equipment”, recorded as a Fixed Asset on the Balance Sheet and depreciated over time, with depreciation expenses reflected in the Profit & Loss Statement (P&L). Meanwhile, routine maintenance for existing equipment would fall under “OPEX (Operational Expenditure)-Maintenance & Repairs”, recorded directly as an Operating Expense in the P&L for the relevant period. This distinction ensures accurate reporting on asset value, depreciation, and cash flow. ### 3\. Optimize Cash Flow Management: Transaction categorization enhances cash flow management by providing clear visibility into cash movements, improving forecasting, and enabling proactive liquidity control. Categorizing transactions into groups like “Customer Payments,” “Inventory Purchases,” or “Payroll Expenses” helps track cash inflows and outflows accurately, particularly in the Direct Cash Flow Method, where operating activities are reported directly. In the Indirect Method, categorizing non-cash items such as “Depreciation” or tracking unpaid invoices under “Outstanding Receivables” simplifies cash flow adjustments. Additionally, grouping expenses into categories like “Fixed Costs,” “Variable Expenses,” or “Seasonal Income” allows businesses to predict cash trends and prepare for fluctuations. Categorizing overdue invoices under “Receivables-Over 30 Days” also enables businesses to identify potential cash shortfalls early and take corrective actions, ensuring better liquidity management and financial stability. ### 4\. Automate Key Accounting Processes: Transaction categorization is crucial for enabling seamless auto-syncing with accounting platforms. When transactions are categorized in a way that aligns with the Chart of Accounts (CoA) in the respective accounting platform, the syncing process becomes automated and error-free. Example: A payment categorized as “Marketing Expenses” can automatically sync to the “Advertising & Promotions” account in an Accounting Platform if both categories are mapped correctly. Similarly, sales categorized as “Online Sales” or “In-Store Sales” can be directly recorded under the corresponding Revenue accounts in the accounting platform. This alignment eliminates the need for manual coding or adjustments, improving accuracy and efficiency. ## Implementing Transaction Categorization in Finmo Finmo offers a structured transaction categorization framework with two predefined Category Types: 1. Receivables - Represents incoming funds such as customer payments, invoice financing, or other cash inflows. 2. Payables - Represents outgoing funds such as supplier payments, operational expenses, or other cash outflows. ## Defining Categories and Subcategories After selecting the appropriate Category Type (Receivables or Payables), users can create custom Categories to classify transactions based on their nature. Each category can further include multiple Subcategories to provide a more detailed breakdown. Example: Under the Receivables category, a user may create a category called “Operating Inflows” to track core business income. Within this category, they can define subcategories such as: - Customer Inflows (e.g., direct sales revenue) - Invoice Financing (e.g., advances on pending invoices) - Other Operational Inflows (e.g., government grants or refunds) ## Building a Hierarchical Structure Finmo also supports adding Subcategories within Subcategories, enabling users to build a Parent-Child Hierarchy for more granular tracking. Example: Within “Other Operational Inflows,” users can create additional subcategories such as: - Tax Credits - Subsidies This hierarchical structure enhances visibility, allowing finance teams to analyze transactions at both a high level and in detailed segments. By drilling down into subcategories, users can gain deeper insights into the sources of income or types of expenses, improving financial clarity and reporting accuracy. This structured approach ensures that businesses can organize their financial data effectively, enabling better tracking, reporting, and decision-making. Furthermore, this will accelerate bank reconciliation, enhance expense tracking, and ensure better audit readiness through a clear parent-child heirarchy. ## Reporting Tags In addition to categorization, Finmo allows users to assign Reporting Tags to transactions, providing enhanced flexibility for tracking and analyzing financial data. These tags act as custom labels that can be applied to transactions, enabling businesses to filter and generate reports based on specific criteria. Users can assign multiple tags to a single transaction, allowing for detailed classification across various dimensions. For instance, a marketing expense can be tagged as “Campaign A”, “Q1 2025”, and “Online Marketing” simultaneously. This makes it easier to analyze costs associated with specific projects, departments, or time periods. By leveraging reporting tags, finance teams can generate customized reports that offer deeper insights and help in improving decision-making and enhancing financial oversight. ## The Future of Transaction Categorization in Finmo Finmo is set to revolutionize transaction categorization by introducing advanced automation features designed to simplify and enhance financial data management. The future enhancements will focus on two key initiatives: Rule-Based Categorization and Machine Learning-Driven Categorization. ## Rule-Based Categorization Finmo will introduce a rule-based engine that allows users to define conditions for automatically assigning categories to transactions. These rules will be based on key transaction attributes such as: - **Description:** Keywords or phrases in the transaction description can trigger automatic categorization. - **Amount:** Transactions within specific value ranges can be categorized accordingly. - **Merchant Details:** Transactions from specific merchants can be directly assigned to relevant categories. Example: Suppose a business frequently purchases office supplies from a vendor named “ABC” By setting a rule that assigns any transaction containing “ABC” in the description to the “Office Supplies” category, users can eliminate the need for manual categorization. This ensures consistency, reduces errors, and saves time in managing financial data. ## Machine Learning-Driven Categorization Finmo will also introduce machine learning models that will leverage historical transaction data to predict and assign categories automatically. By analyzing patterns in past transactions, the model will learn to recognize spending behaviors, transaction types, and merchant trends to improve categorization accuracy. Example: Imagine a retail business that consistently pays freelancers for content creation. Over time, the machine learning model will identify these transactions as “Freelancer Payments” and categorize them accordingly, even if the transaction descriptions vary. This intelligent system will improve over time as more data becomes available, offering enhanced precision in complex scenarios. By integrating both rule-based and machine learning-driven categorization, Finmo aims to deliver: - **Increased Efficiency:** Automated categorization reduces the manual effort required to classify transactions, allowing finance teams to focus on strategic tasks. - **Enhanced Accuracy:** Rules ensure consistency, while machine learning adapts to changing transaction patterns. - **Improved Financial Insights:** With precise categorization, businesses can generate more detailed and reliable financial reports for better decision-making. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **FX risk management: Deconstructing hedging complexity for SMEs**\\ \\ Read more](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40ee0450ee103559737f53e59e6a9bc6a604bfc1-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management simplified: A CFO’s guide to cash, liquidity, and FX with finmo**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-simplified) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/transaction-categorization-and-its-importance-in-accounting#) Reject AllAccept All ## Purpose-Built AI Revolution Blog # AI in fintech: Why CFOs are shifting from generic tools to purpose-built intelligence ![Finmo’s MO AI transforming treasury management for CFOs](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F87d7134d9e05b5ccc8a116710c3be3fd2ac33f88-3200x1800.webp&w=3840&q=100) In this article: - [The CFO’s AI Dilemma](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#the-cfos-ai-dilemma) - [Why Finance Requires Built-for-Purpose AI](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#why-finance-requires-built-for-purpose-ai) - [Finmo’s MO AI: A case Study of Domain-Specific AI](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#finmos-mo-ai-a-case-study-of-domain-specific-ai) - [The Technology Behind MO AI](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#the-technology-behind-mo-ai) - [A Broader Shift: Fintech Are Building Their Own AI](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#a-broader-shift-fintech-are-building-their-own-ai) - [Practical Impacts and Operational Improvements](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#practical-impacts-and-operational-improvements) - [What This Means for the Future of Fintech](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#what-this-means-for-the-future-of-fintech) - [Building with Purpose in the Age of AI](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#building-with-purpose-in-the-age-of-ai) Share: - Link copied AI’s Moment in Fintech Artificial Intelligence (AI) is everywhere - from our smartphones to back-office tools – powering faster decisions and more efficient operations. However, [in finance, the bar is higher; AI must be more than an operational catalyst](https://www.weforum.org/stories/2025/03/ai-transforming-finance-cfo-insights/). It must be precise, secure, dependable, and deeply contextual. While early use cases in fintech focused on automating routine tasks - like chatbots and basic data analysis, a decisive shift is currently underway. The most impactful fintech innovations are no longer built on off-the-shelf AI tools. Instead, they are creating [specialised purposed-built AI](https://www.businesstimes.com.sg/opinion-features/moving-needle-ai-adoption) tailored to the complexity of financial operations. Finmo’s MO AI is one such example designed to embed intelligence directly into treasury workflows and deliver tangible, real-time improvements ## The CFO’s AI Dilemma [Modern CFOs face increasing pressure to do more with fewer resources.](https://masteringsap.com/analyst-insights/cfos-face-growing-pressure-amid-role-evolution/) They manage more complex financial structures, navigate volatile markets, and ensure strict regulatory compliance, all while expected to act as strategic business partners. Generic AI tools often fail to meet the specific needs of the finance function. Mid-market companies, in particular, usually operate with small teams and isolated systems. CFOs require more than just extra dashboards or basic chatbots; they need AI systems with a deep understanding of finance capable of making decisive moves. This urgent need explains why more CFOs are turning to purpose-built AI tailored to streamline and improve treasury and financial processes. ## Why Finance Requires Built-for-Purpose AI [Standard AI solutions often lack the domain-specific understanding needed to process financial complexities.](https://hyacinth.ai/why-ai-needs-domain-specific-reasoning/) As a result, fintech firms must build AI solutions specifically designed for detailed financial environments. These custom systems can quickly process large amounts of complex data [while accurately interpreting financial contexts, actively managing compliance and risks.](https://novacene.ai/generic-vs-custom-ai/#:~:text=Custom%20AI%20models%2C%20on%20the%20other%20hand%2C,accurate%20and%20reliable%20results%20than%20generic%20models.) Today, AI systems must demonstrate real-time responsiveness. Financial decision-making occurs in dynamic settings where even small delays [can lead to significant losses or compliance issues.](https://www.accountancycapital.co.uk/the-cost-of-inaction-how-procrastination-in-financial-strategy-stifles-business-growth/) Custom-built AI, developed with an integrated financial understanding, enables faster, more precise responses that generic models cannot match. ## Finmo’s MO AI: A case Study of Domain-Specific AI Finmo’s MO AI is a next-generation conversational assistant integrated directly into its Treasury Operating System (TOS). Unlike generic chatbots that provide surface-level answers, MO AI connects with live financial data and executes actionable financial management. MO AI is designed to meet the needs of mid-market companies where treasury responsibilities are often shared by stretched finance teams. The solution is specifically designed to streamline complex multi-entity financial management, provide real-time financial insights, and execute compliant transactions, allowing finance teams to manage treasury operations effectively without requiring specialised treasury roles. The practical use of MO AI cuts down manual work, simplifies compliance procedures, improves accuracy, and enables finance teams to focus their resources on more strategic, high-value activities. By integrating AI thoroughly into financial workflows, MO AI shows the [strong potential of targeted, purpose-built financial AI.](https://www.abbyy.com/blog/purpose-built-ai/) ## The Technology Behind MO AI ### What enables MO AI to perform in a way generic tools can’t? At its core is Finmo’s Model Context Protocol (MCP) - a secure execution framework that allows MO AI to take auditable, controlled actions, not just deliver information. The assistant also uses retrieval-augmented generation (RAG), fine-tuned for finance-specific contexts, ensuring responses are both relevant and regulatory-compliant. ### How does MO AI turn conversation into action? MO AI is built to go beyond basic conversational AI. Instead of just responding with information, it can take direct action - executing financial tasks, initiating transactions, and handling workflows from a simple conversational prompt. This ability to act, not just answer, improves both speed and accuracy in treasury operations. Why were generic AI models insufficient for MO AI? [Generic large language models (LLMs), while powerful, lack the depth and precision needed for financial operations.](https://arya.ai/blog/generic-vs-domain-specific-llms) Finmo overcame this issue by embedding domain-specific knowledge and context directly into MO AI, creating an assistant tailored to the exact needs and complexities faced by finance professionals. ## A Broader Shift: Fintech Are Building Their Own AI MO AI reflects a growing trend across the fintech industry. More companies are recognising that [general-purpose AI tools lack the depth and precision required financial accuracy.](https://www.futureviewsystems.com/blog/ai-trends-in-fp-a-for-2025-and-beyond) In response, they are developing their own customised AI technologies – solutions built with domain-specific models, tailored data processing frameworks, and seamless integration into financial workflows. These purpose-built systems also prioritise [strong data governance](https://www.futureviewsystems.com/blog/ai-trends-in-fp-a-for-2025-and-beyond), advanced analytics, and regulatory alignment from the outset. By integrating compliance considerations into the core of these AI tools, fintechs are creating solutions that are not only more accurate and efficient, but also adaptable and future-proof, [significantly reducing compliance risks.](https://smartdev.com/ai-in-fintech-top-use-cases-you-need-to-know/) ## Practical Impacts and Operational Improvements The operational impacts of purpose-built AI like MO AI are already delivering clear operational improvements. ### Increased Operational Efficiency: Automating repetitive tasks reduces operational delays and increases throughput, allowing finance professionals to focus more on strategic decision-making. ### Enhanced Accuracy and Compliance: AI-driven systems significantly reduce human errors in financial processes, enhancing compliance through consistent, accurate data handling and execution. ### Real-Time Responsiveness: AI solutions designed specifically for fintech provide immediate insights and proactive management capabilities, allowing finance teams to respond rapidly to market developments and internal financial needs. These practical benefits highlight why fintech companies are investing in custom AI, and why the future of finance will be shaped by solutions designed specifically for it. ## What This Means for the Future of Fintech The rise of purpose-built AI, exemplified by Finmo’s MO AI, marks a fundamental shift in how financial operations are managed. [The future of fintech will likely feature increasingly sophisticated AI-driven systems managing core financial activities,](https://neontri.com/blog/artificial-intelligence-fintech/) transitioning treasury and financial operations from reactive, manual processes to proactive, strategic workflows. Finance teams will increasingly rely on AI-driven insights to anticipate market changes, manage risk dynamically, and optimise financial performance. AI won’t just support operations; it will become their backbone, reshaping both roles and skillsets across the industry. ## Building with Purpose in the Age of AI The evolution of fintech underscores the growing need for specialised, carefully crafted AI systems. Finmo's development of MO AI highlights a broader strategic shift, where fintech [companies are increasingly investing in their AI capabilities.](https://news.crunchbase.com/fintech-ecommerce/ai-effects-startups-wu-cathay/) Success in the next wave of fintech innovation will belong to companies that create domain specific AI designed to solve real operational challenges. These targeted innovations will not only set fintech leaders apart but also define the future capabilities of the entire financial ecosystem. Ready to transform your treasury operations? [Contact us](https://www.finmo.net/contact-us) to explore how Finmo and MO AI can help you unlock the full potential of purpose-built AI. MO AI Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The rise of AI in fintech: How CFOs are reimagining financial operations**\\ \\ Read more](https://www.finmo.net/resources/blog/ai-in-fintech) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd1dc67e133cde857419b788299969d80b3ad4e1-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **How AI will transform treasury management in the future**\\ \\ Read more](https://www.finmo.net/resources/blog/how-ai-will-transform-treasury-management-in-the-future) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F490341f4b0a7c0d3f6f9674bab906995afbcc447-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The evolution of treasury management: A CFO’s new playbook**\\ \\ Read more](https://www.finmo.net/resources/blog/cfo-treasury-playbook) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/purpose-built-ai-in-fintech-for-cfos#) Reject AllAccept All ## Cross-Border Payments Compliance Blog # Addressing key compliance challenges in cross-border payments & treasury management with 3S approach - speed, security, and scalability ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F14da6ef2e86238e05dc22533925c0f3d9cbcc5ed-3200x1800.webp&w=3840&q=100) In this article: - [1\. Speed: The Competitive Edge That Compliance Must Support](https://www.finmo.net/resources/blog/addressing-key-compliance-challenges-in-cross-border-payments#1-speed-the-competitive-edge-that-compliance-must-support) - [2\. Security: The Non-Negotiable Foundation of Trust](https://www.finmo.net/resources/blog/addressing-key-compliance-challenges-in-cross-border-payments#2-security-the-non-negotiable-foundation-of-trust) - [3\. Scalability: Building Compliance for Long-Term Growth](https://www.finmo.net/resources/blog/addressing-key-compliance-challenges-in-cross-border-payments#3-scalability-building-compliance-for-long-term-growth) - [The Future of Compliance: A Strategic Business Enabler, Not a Roadblock](https://www.finmo.net/resources/blog/addressing-key-compliance-challenges-in-cross-border-payments#the-future-of-compliance-a-strategic-business-enabler-not-a-roadblock) Share: - Link copied The fintech and payments industry thrives on speed, from instant payments to real-time fraud detection. Yet, with increasing regulatory scrutiny and evolving financial crimes, emerging companies must also prioritize security and scalability to sustain growth. How can compliance teams ensure that effective risk management keeps pace with innovation without becoming a bottleneck? As compliance leaders, we are not just gatekeepers — We enable sustainable, secure, and scalable growth of the firms we are in. Let’s take a look to see how we can strike this delicate balance: ## 1\. Speed: The Competitive Edge That Compliance Must Support ### The Challenge Fintechs and payment companies differentiate themselves through speed. Seamless onboarding, rapid transactions, and instant cross-border settlements are some of the key offerings that differ from what clients are used to from large financial institutions. However, compliance requirements are often seen as a barrier, with lengthy due diligence and regulatory checks, leading to delays in go-to-market strategies. ### The Solution Smart automation and risk-based decisions can help compliance teams match the need for speed without compromising integrity. At Finmo, we are supporting speedy client onboarding and critical merchant activities with the following elements: - **AI-Driven KYC & KYB:** Implementing AI-enhanced identity verification can reduce onboarding time from days to hours, if not minutes, vastly improving customer experience while meeting regulatory standards. - **Real-Time Transaction Monitoring:** Versatile and highly configurable rules, coupled with Machine Learning (ML) models can identify suspicious activities in real-time, eliminating batch-based reviews that slow down transactions. - **Product-Compliance Integrations:** Embedding compliance controls directly into the payment workflows enables compliance at the speed of business, rather than as a roadblock. **Key Takeaway:** Compliance must evolve from static, manual checks to real-time, risk-based processes that move at the speed of fintech and payment providers. ## 2\. Security: The Non-Negotiable Foundation of Trust ### The Challenge Emerging fintechs and payment companies are prime targets for cyber threats, fraud, and money laundering. Without robust security measures, rapid growth at all costs can expose vulnerabilities, leading to regulatory penalties, reputational damage, and financial losses. ### The Solution Security must be embedded into the compliance framework from the ground up, ensuring such companies remain resilient against constant and evolving threats. Finmo has ensured we remain at the forefront of industry-leading information and cyber security with a snapshot of some of the following solutions in place today: - **Behavioral Biometrics:** Using AI and ML to detect unusual user behaviors can add an extra layer of security without disrupting user experience. - **Proactive Threat Intelligence:** Leveraging shared intelligence networks and AI-driven anomaly detection can prevent fraud before it happens, rather than reacting after the fact. - **End-to-End Data Encryption & Tokenization:** Protecting customer and payment data at every stage minimizes fraud risks and strengthens PCI-DSS compliance. **Key Takeaway:** Security is not just a compliance requirement. It is the underlying foundation of trust in all companies, especially so for companies in fintech, payments, and treasury management who are in the business of handling and moving money. Companies that prioritize proactive security measures will reduce their risk exposure and regulatory scrutiny accordingly. ## 3\. Scalability: Building Compliance for Long-Term Growth ### The Challenge Many fintechs and payment companies build compliance frameworks for their current market size, only to struggle when they scale into new geographies, launch new products, or face regulatory shifts. A compliance model that works for 10,000 customers may crack under the weight of 10 million. ### The Solution Compliance teams must design frameworks that are scalable by design, enabling seamless expansion without rebuilding from scratch. Finmo has already taken this into account and is ready to tackle global expansion challenges with the following key components: - **API-First Compliance:** Embedding AML compliance directly into the journey and products ensures that compliance scales in tandem with business growth. - **Global Compliance Playbooks:** Standardized compliance frameworks should be flexible enough to adjust for global and regional regulations (e.g., PSD2 in Europe, MAS regulations in Singapore, and EMI requirements in the UAE). - **Regulatory Horizon Scanning:** AI-powered regulatory intelligence updates can help fintechs and payment companies anticipate and adapt to changing compliance requirements before they become risks or a material gap. **Key Takeaway:** Compliance should scale with business growth, ensuring that licensing and regulatory obligations alignment is an enabler and not a blocker of expansion. ## The Future of Compliance: A Strategic Business Enabler, Not a Roadblock As compliance leaders, our role is not just to enforce rules, but to architect compliance frameworks that are: - Fast enough to keep up with innovation - Secure enough to protect customers and prevent fraud; - Scalable enough to support growth across markets; Fintechs and payment companies that master the balance of speed, security, and scalability will gain a competitive edge, not just in regulatory and AML compliance, but in customer trust and business resilience. The future of compliance is not about slowing down innovation but rather, enabling it responsibly and pragmatically. By leveraging technology, establishing immutable trust in security, and adopting proactive risk management, compliance teams can transform from the traditional definition of being seen as obstacles to growth, into strategic enablers of business success. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa1337e0bfdc3c8adcb37053aa131202ec29b6bbc-3200x1800.webp&w=3840&q=100)\\ \\ - Compliance\\ \\ **Our compliance story: How finmo builds compliance into every transaction**\\ \\ Read more](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **FX risk management: Deconstructing hedging complexity for SMEs**\\ \\ Read more](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/addressing-key-compliance-challenges-in-cross-border-payments#) Reject AllAccept All ## Scam Awareness Guide Blog # Scam and fraud awareness: How to protect your business payments ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F29079cf4ef6371f4812a642ed31f203668069ec6-3200x1800.webp&w=3840&q=100) In this article: - [Why businesses are targeted by payment scams](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#why-businesses-are-targeted-by-payment-scams) - [Impersonation scams](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#impersonation-scams) - [Phishing and account compromise](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#phishing-and-account-compromise) - [Investment and “opportunity” scams](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#investment-and-opportunity-scams) - [Mule activity](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#mule-activity) - [Love Scam](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#love-scam) - [How Finmo helps protect you](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#how-finmo-helps-protect-you) - [What to do if you suspect a scam](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#what-to-do-if-you-suspect-a-scam) - [What happens after you report it](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#what-happens-after-you-report-it) Share: - Link copied Scams and payment fraud are growing risks for businesses operating in a digital, global payments environment. Criminals are becoming more sophisticated, often targeting legitimate companies by impersonating trusted parties, manipulating payment instructions, or pressuring staff into making urgent transfers. In most cases, these scams don’t start with technical breaches. They start with pressure, urgency, and small deviations from normal payment processes. At Finmo, protecting clients from financial harm is built into how payments are designed, reviewed, and executed. Because scams evolve across the financial ecosystem, understanding how they work and where teams are most vulnerable is one of the most effective ways to stay protected This guide explains the most common business payment scams, the key warning signs, and practical steps businesses can take to prevent and respond to fraud. ## Why businesses are targeted by payment scams Businesses are frequent targets for scammers because: - payments are often high value - transactions can be time-sensitive - responsibilities are distributed across teams - changes to payment details are common in day-to-day operations Many payment scams do not involve system breaches. Instead, they rely on social engineering, where scammers manipulate people into acting quickly, discreetly, or outside established controls. This is why controls alone aren’t enough. Clear verification habits and the ability to pause payments matter just as much. **Watch for:** - requests to change bank details “just this once” - pressure to pay urgently, especially close to deadlines - subtle changes in email addresses (extra characters, swapped letters, different domains) - bank details that don’t match your previous invoices, contracts, or onboarding records **A good habit:** verify any change to payment details using a trusted method you already rely on (for example, call a verified phone number from your internal records , not a number provided in the email). This should be a standard policy, not an exception made under pressure. ## Impersonation scams Impersonation scams attempt to pressure staff by posing as a trusted party, such as a bank, regulator, vendor, senior executive, or support team , to prompt a transfer or extract sensitive information. Finmo will never ask for your password, one-time codes, or private credentials. **Watch for:** - requests to “confirm” login details or security codes - urgent calls claiming your account will be locked unless you act immediately - instructions to keep the request confidential or bypass normal processes ## Phishing and account compromise Phishing attempts may arrive by email, SMS, or messaging apps, aiming to trick users into clicking links, downloading files, or entering credentials. If access is compromised, scammers may try to initiate payments, change account details, or intercept communications. Watch for: - unexpected login prompts or “security alerts” - links that don’t match the official domain - attachments you weren’t expecting, even if the sender name looks familiar ## Investment and “opportunity” scams Some scams present themselves as professional investment opportunities, often using persuasive “advisers,” impressive-looking dashboards, and high-pressure sales tactics. Businesses may be approached through networking, social platforms, or direct outreach. **Watch for:** - guaranteed returns or unusually consistent performance claims - pressure to “act now” to secure an allocation - reluctance to provide clear documentation, licensing details, or independent verification ## Mule activity Mule activity involves being asked to receive money and move it on to another account , sometimes framed as a service, commission opportunity, or “temporary” arrangement. Even if the person claims the funds are legitimate, acting as a pass-through account can expose a business to serious legal, operational, and reputational risk. Even temporary participation can expose a business to regulatory, banking, and reputational consequences **Watch for:** - requests to receive money and forward it elsewhere - offers of “commission” for moving funds - unclear, changing, or inconsistent explanations for the transfer ## Love Scam A love scam is a type of social engineering fraud where scammers exploit emotions, often posing as a romantic interest or close personal connection, to manipulate individuals into transferring money. In a business context, this can occur when fraudsters impersonate clients, partners, or employees and create a personal connection over email, social media, or messaging apps. They typically fabricate urgent or emotional situations such as medical emergencies, financial hardships, or travel crises to pressure victims into making payments to personal accounts. **Watch For** - Unexpected romantic or personal messages from someone claiming to be a client, partner, or colleague. - Requests for urgent payments or financial help for personal emergencies. - Communication through personal emails, social media, or messaging apps instead of official company channels. - Attempts to divert funds to personal or foreign accounts. **Good Habit** - Avoid mixing emotions with financial decisions. - Verify the identity of anyone requesting money, whether in a business or personal context. - Do not share personal or financial information with people you haven’t verified. - Always use official channels for business transactions; for personal cases, consider trusted family or friends for advice. - Report suspicious communications to authorities, banks, or internal security teams. - Educate yourself and others on social engineering, phishing, and fraud tactics. Quick warning signs you can train teams to spot It may be a scam if you notice: - urgency, secrecy, intimidation, or emotional pressure - payment instructions that suddenly change - first-time beneficiaries or new counterparties with limited history - unusual amounts, timing, destinations, or transaction patterns - requests to bypass verification steps or approvals When in doubt, pause and verify. Taking a moment to confirm details is one of the simplest ways to prevent a significant loss. ## How Finmo helps protect you Because Finmo sits directly within payment workflows, we’re able to apply safeguards at the point where payment decisions are made, not after funds have already left the account.. Where appropriate, this can include additional verification, temporary holds on suspicious transactions, and support to assist with recovery efforts when possible. This approach helps reduce risk without turning payments into a slow or manual process. These protections are designed to reduce scam risk while keeping business payments efficient. ## What to do if you suspect a scam If something doesn’t feel right, acting quickly matters. Delays can significantly reduce the chance of recovery. First, stop and don’t proceed with the payment. If a payment has already been sent, avoid sending additional funds “to recover” the first payment , this is a common follow-on tactic. Next, contact Finmo as soon as possible so action can be taken while funds may still be in-flight or recoverable. You can reach us at: • support@finmo.net • dispute@finmo.net Or contact [Finmo](https://www.finmo.net/) Support through your dashboard. Finally, preserve evidence. Keep the emails, invoices, screenshots, phone numbers used, and any messages or instructions you received. This helps investigation and improves the chance of disruption or recovery. ## What happens after you report it Once you report suspected scam activity, Finmo will review the details, assess risk indicators, and take protective steps where appropriate. This may include holds or restrictions to prevent further loss, and engagement with relevant financial institutions to support recovery efforts where possible. You’ll be guided through next steps, and we’ll share practical prevention advice to help reduce future risk. While not all scam losses can be recovered, each case is assessed carefully and fairly based on the circumstances. A few simple habits that prevent most losses If you only do a few things consistently, make them these: - verify bank detail changes via a trusted channel - treat urgency as a red flag, not a reason to rush - use approvals and dual control for high-value payments - train teams to spot BEC and impersonation attempts - report concerns early , even if you’re unsure If you’re unsure, ask If you’re uncertain about a payment or a communication that appears to be from Finmo, don’t take chances. Contact support@finmo.net or dispute@finmo.net, or reach Finmo Support through your dashboard. Early reporting can make the difference between stopping a scam and suffering a loss. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F20b23a34bac3b5cd14853a73249e59c073149543-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **3 warning signs your liquidity strategy isn’t working (& how CFOs can fix It)**\\ \\ Read more](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F14da6ef2e86238e05dc22533925c0f3d9cbcc5ed-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Addressing key compliance challenges in cross-border payments & treasury management with 3S approach - speed, security, and scalability**\\ \\ Read more](https://www.finmo.net/resources/blog/addressing-key-compliance-challenges-in-cross-border-payments) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **FX risk management: Deconstructing hedging complexity for SMEs**\\ \\ Read more](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments#) Reject AllAccept All ## Global Creator Payouts Blog # Global creator payouts don’t scale the way you think they do ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4cc4770d55fe51709e6f5c4319ba2c5b3bd7a195-3200x1800.webp&w=3840&q=100) In this article: - [Paying creators across borders at scale is harder than it looks. Here's why it breaks, and what to do about it.](https://www.finmo.net/resources/blog/global-creator-payouts#paying-creators-across-borders-at-scale-is-harder-than-it-looks-heres-why-it-breaks-and-what-to-do-about-it) - [How agencies are building payout operations that actually scale](https://www.finmo.net/resources/blog/global-creator-payouts#how-agencies-are-building-payout-operations-that-actually-scale) - [The bottom line](https://www.finmo.net/resources/blog/global-creator-payouts#the-bottom-line) Share: - Link copied ## Paying creators across borders at scale is harder than it looks. Here's why it breaks, and what to do about it. If you run a creator agency, affiliate network, or influencer platform, your payout operation is probably already showing cracks. This is what's causing it, and how agencies like yours are fixing it. [See how Finmo simplifies global creator payouts](https://www.finmo.net/get-started/agencies) Picture this. You've just closed a campaign with a new brand client. The brief covers creators in the Philippines, Indonesia, Brazil, Germany, and the UK. Payments need to go out in five currencies across four different local payment networks within ten days. Your finance team opens the bank portal. Then another one. Then the spreadsheet. Then someone has to manually enter 140 payment rows, check each one, and follow up individually on the ones that fail. Three days later, a creator in Jakarta messages to say her payment hasn't arrived. You have no way to check the status without calling the bank. This is not a hypothetical. It's Tuesday for most agencies managing global creator networks. The payout operation that worked at 20 creators does not work at 200. And the one that works at 200 will not work at 2,000. The problem is not the volume. It's the infrastructure underneath it. Struggling with a similar situation? [Read how the payout bottleneck plays out for marketplaces and platforms](https://www.finmo.net/resources/blog/the-payout-bottleneck-why-marketplaces-struggle-to-pay-thousands-of-creators-and-seller) ### Where the money goes before it reaches your creators Most agency finance leads know payout operations are painful. Fewer have quantified exactly where the loss is happening. There are four places to look. **2.1 FX spread leakage** When you convert client retainers in USD into local currencies for creator payments, your bank charges a spread on every conversion. That spread is typically 1.5 to 3% per transaction. It never appears as a line item. It simply compresses what you actually keep from each campaign. At high payout volumes, this is not a rounding error. **2.2 Finance team time** Manual payout processing is labour-intensive by definition. Payment file preparation, bank portal entry, confirmation tracking, reconciliation, and responding to "where's my payment?" messages from creators all cost hours that should be going to client work. This is the hidden headcount cost of a manual payout operation. **2.3 Creator relationship damage** Creators and affiliates who are paid late reduce availability, deprioritise your campaigns, or exit your network. An operational failure becomes a supply problem. **2.4 A growth ceiling you didn't plan for** If onboarding a new brand client means adding proportional finance team effort to handle the payout volume, your unit economics don't improve as you grow. The business scales, the margin doesn't. **Paying creators across 10 or more countries every month?** Talk to someone who works with agencies at exactly this stage. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales) ## How agencies are building payout operations that actually scale The fix is not a new spreadsheet template or a slightly better bank. It's replacing a fragmented, manual process with a single connected platform that handles the entire workflow automatically. **Pay creators in 180+ countries from one place** Instead of managing separate payment methods for each country and currency, Finmo routes every payout through the most efficient local payment network automatically. A creator in the Philippines gets paid in PHP via local rails. A freelancer in Germany gets paid in EUR via SEPA. A supplier in Brazil receives BRL through PIX. You set up the payment once. Finmo handles the routing.No separate bank portals. No manual routing decisions. No payment method research for every new market you expand into. [See local and cross-border payout capabilities](https://www.finmo.net/product/payments/local-and-cross-border-payments) **Pay hundreds of creators in one workflow** Batch processing is the operational unlock for high-volume payout agencies. Upload a single payment file and Finmo executes hundreds of individual payments simultaneously, each routed correctly, each converted at a transparent FX rate confirmed before execution.For an agency paying 300 creators across 15 countries monthly, this is the difference between a three-day finance operation and a three-hour one. [See how global currency accounts work](https://www.finmo.net/product/payments/global-multi-currency-account) **See what FX is actually costing you** Finmo shows you the exchange rate before you transact. The rate you see is the rate you get. No spread buried in the conversion, no fees discovered after settlement.Beyond individual transactions, Finmo gives you a real-time view of your net currency exposure across all open payables and client receivables. If you are holding USD from a client retainer and owe EUR to a creator cohort next week, you can see that position clearly and make a conversion decision based on current data. [Understand your FX exposure more deeply: The guide to protecting margins](https://www.finmo.net/resources/blog/importers-exporters-guide-protecting-margins) **Reconciliation that happens automatically** Every payment Finmo processes is automatically categorised, mapped to the correct campaign or client, and synced to your accounting software. For agencies managing high transaction volumes across multiple clients and currencies, this eliminates the most time-intensive part of month-end close.No manual reconciliation. No cross-referencing payment records against bank statements. No chasing confirmations. [See how AP/AR automation works](https://www.finmo.net/product/ap-ar-automation) ## The bottom line The creator economy is not slowing down, and neither is the complexity of paying into it. Agencies that build scalable payout infrastructure now will take on more campaigns, enter new markets faster, and maintain stronger creator relationships than those still running it manually. The spreadsheet got you to your first 50 creators. It will not get you to 500. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales) [Get started free](https://dashboard.finmo.net/signup) Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F478e06935caecb0ca96c6e684352ce6040ca0326-4800x2700.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **5 signs your startup has a cash visibility problem**\\ \\ Read more](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4245a2d46092953f64480c0d42d74e4a9e80bdbb-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **The CFO's guide to cash intelligence: Visibility, forecasting and payments**\\ \\ Read more](https://www.finmo.net/resources/blog/cash-intelligence-guide) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd8648cb04946a7d32ec35db534455e4968d34710-4800x2700.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The startup founder's guide to financial control**\\ \\ Read more](https://www.finmo.net/resources/blog/founders-guide-financial-control) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/global-creator-payouts#) Reject AllAccept All ## Tokenized Treasury Guide Blog # Tokenized treasury modernization: A practical guide for CFOs and treasurers Prepared by Thomas Kang and Byron Gardiner ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd88604d4d514c166539ed015cdc09686524eb6e3-3200x1800.webp&w=3840&q=100) In this article: - [The Strategic Value of Tokenization](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#the-strategic-value-of-tokenization) - [1\. Defining the Instrument: Tokenized Deposits](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#1-defining-the-instrument-tokenized-deposits) - [2\. Fitting Tokenization into Your Existing Policy Framework](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#2-fitting-tokenization-into-your-existing-policy-framework) - [3\. Optimizing the Hybrid Treasury Environment](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#3-optimizing-the-hybrid-treasury-environment) - [4\. The Workflow That Unlocks Real Value: Automated Cash Mobility](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#4-the-workflow-that-unlocks-real-value-automated-cash-mobility) - [5\. Risk and Controls: Questions Every CFO Should Be Asking](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#5-risk-and-controls-questions-every-cfo-should-be-asking) - [6\. Infrastructure Decision: Canton vs. Private Enterprise Chains](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#6-infrastructure-decision-canton-vs-private-enterprise-chains) - [7\. A Phased Adoption Path: How to Evaluate This Without Overcommitting](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#7-a-phased-adoption-path-how-to-evaluate-this-without-overcommitting) - [The Bottom Line for CFOs and Treasurers](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#the-bottom-line-for-cfos-and-treasurers) Share: - Link copied Tokenization is arriving in corporate treasury, not as a speculative experiment, but as a practical upgrade to how cash moves, earns yield, and is controlled. This guide cuts through the noise for CFOs and treasurers: what tokenized deposits actually are in treasury terms, where they fit your existing cash management framework, what risks and transition challenges demand your attention, and how to think about infrastructure choices. The bottom line: tokenization won’t change your treasury strategy. But it can meaningfully improve the operating model you use to execute it, provided you navigate the hybrid transition carefully. ## The Strategic Value of Tokenization Corporate treasury relies on the pillars of liquidity, risk management, and control. Tokenization strengthens these foundations by providing a programmable movement layer for established financial instruments. This technology represents a structural upgrade to your operating model, delivering atomic settlement and 24/7 capability. In institutional applications, it serves as a movement and control layer for existing financial assets. 1. Enhanced Capital Efficiency - Tokenization eliminates the idle cash inherent in traditional payment rails. - Real-time visibility and 24/7 operation allow you to deploy capital exactly when and where it is needed. - This reduces the requirement for expensive liquidity buffers and maximizes yield on excess balances through automated sweeps. 2\. Reduced Operational and Counterparty Risk - Atomic settlement ensures that cash and assets move simultaneously, which removes settlement lag and associated risks. - Programmable logic enables automated escrow and conditional releases to minimize manual error and fraud. - Complete, timestamped audit trails provide immediate transparency into every transaction within the network. 3\. Strategic Control and Programmability - You can embed governance directly into the cash flow via rule-based triggers and automated payment instructions. - Automation replaces manual intervention in complex workflows such as intercompany funding or margin calls. - This allows your team to focus on strategic capital allocation rather than administrative execution. The decision to adopt tokenization is a choice to modernize the plumbing of your organization. It is about selecting the most efficient rail to execute your existing treasury strategy and improve specific operations ## 1\. Defining the Instrument: Tokenized Deposits For CFOs and treasurers evaluating a first pilot, the primary instrument worth understanding is the tokenized deposit. Tokenized money market funds (MMFs) offer additional yield and collateral mobility benefits—covered briefly in Section 5—but the clearest path to demonstrating value in a Phase 1 pilot runs through the deposit layer. ### Tokenized Deposits — Bank Money on a Programmable Rail A tokenized deposit is a bank deposit liability represented and transferred via a tokenized ledger rather than through conventional payment messaging. The economics are identical to a traditional deposit: you hold a claim on the bank, the bank owes you cash, and your credit exposure is to that bank. The difference is in the mechanics of movement and control: | Traditional Deposit | Tokenized Deposit | | --- | --- | | Bank owes you cash; transfer via SWIFT/ACH | Bank owes you cash; IOU represented on a programmable ledger | | Settlement subject to cut-off times and correspondent chains | Settlement within the operating domain, potentially 24/7 | | Manual or rules-based cash management instructions | Programmable logic: conditional releases, auto-sweeps, DvP | | Visibility dependent on bank reporting | Real-time balance visibility within the network | What tokenized deposits are well-suited for: - 24/7 intraday liquidity and cross-time-zone treasury operations (within the bank’s operating policy) - Atomic settlement: using bank money as the cash leg in Delivery-vs-Payment (DvP) or Payment-vs-Payment (PvP) workflows - Programmable treasury controls: conditional fund releases, escrow-style logic, rule-based sweeping, and automated payment triggers What they are not: - Risk-free. You carry bank credit exposure and are subject to the bank’s operational constraints: limits, whitelisting, cut-off equivalents, and system resilience. - Universally real-time. Settlement is real-time only within the supported operating domain. ## 2\. Fitting Tokenization into Your Existing Policy Framework Most corporate treasury teams can adopt tokenization without rebuilding their policy architecture. The reason: tokenized instruments map directly onto the same two-bucket framework most treasury functions already operate in. | | Bucket 1: Operating Cash | Bucket 2: Reserve / Excess Cash | | --- | --- | --- | | Instrument | Tokenized Deposits | Tokenized MMFs (Phase 2+) | | Primary Purpose | Move money reliably | Earn yield; preserve liquidity | | Key KPI | Availability + settlement certainty | Liquidity + yield + NAV stability | | Risk Lens | Counterparty limits (bank), fraud controls, operational resilience | Instrument eligibility, liquidity terms, accounting treatment | | Governance Priority | Role-based access, maker-checker, audit trail | Custody policy, reconciliation, cash-equivalent classification | This framing matters for a practical reason: tokenization improves the plumbing, not the strategy. Your treasury strategy remains unchanged. The only change is how efficiently you execute it, and in Phase 1, the focus should be on proving operating cash efficiency before layering in reserve cash optimization. ## 3\. Optimizing the Hybrid Treasury Environment The transition to a modernized treasury is rarely a “rip and replace” event. It is a phased transition rather than a disruptive replacement of existing systems, requiring the active management of the friction between high-velocity tokenized ledgers and the inertia of legacy banking infrastructure. Success requires an explicit design for this hybrid state to ensure tokenization serves as a bridge to efficiency instead of an isolated operational silo. There are three specific challenges to plan for: ### Challenge 1: Liquidity Fragmentation Maintaining parallel pools of liquidity across traditional fiat accounts and tokenized ledgers creates a new form of “trapped cash.” The friction of off-ramping from a tokenized deposit back to legacy rails can reintroduce the very cut-off times and fees the system aims to avoid. Until atomic settlement is ubiquitous, your treasury team will essentially be managing two parallel balance sheets. Mitigation strategies: - Buffer Strategy: Maintain a “liquidity bridge” by keeping a calculated percentage of operating cash in traditional fiat accounts, sized to cover your peak same-day payment obligations without requiring a tokenized off-ramp. - Just-in-Time Settlement: Use the programmability of tokenized deposits to trigger off-ramps to legacy rails only when a specific payment instruction is confirmed, minimizing the time funds sit in lower-yield traditional accounts. - Parallel balance sheet visibility: Insist on consolidated real-time dashboards that aggregate both tokenized and fiat balances, treating them as one treasury position, not two separate systems. ### Challenge 2: Workflow and Reconciliation Duplication During a parallel run, treasury teams must manage two sets of reconciliation workflows and two distinct audit trails. Without deliberate design, this doubles the administrative burden and creates reconciliation risk at month-end close. Mitigation strategies: - Automated reconciliation from day one: Prioritize Phase 1 success by automating the three-way reconciliation between the token ledger, the transfer agent or custodian record, and the General Ledger (GL). Manual reconciliation at scale is not viable. - Single audit trail design: Work with your banking partner and platform provider to ensure that tokenized transaction data flows into your existing audit infrastructure in a format your auditors recognize, not a separate, parallel record. - Fail-back protocol: Ensure the pilot includes a documented procedure for re-routing transactions through SWIFT or local clearing if the tokenized rail experiences latency or downtime. Testing this path before go-live is non-negotiable. ### Challenge 3: TMS and ERP Readiness The target workflow described in Section 3 requires a level of system readiness that many incumbent platforms lack. Most Treasury Management Systems (TMS) and ERPs are built for batch processing and end-of-day bank statement ingestion, not 24/7 atomic settlement and continuous data streams. Integrating tokenized ledger data into your system of record is likely to require custom middleware and should be scoped as a distinct workstream. Mitigation strategies: - Middleware layer first: Rather than attempting a full TMS or ERP overhaul, implement a middleware or aggregation layer that sits between the tokenized rail and your existing systems, normalizing real-time tokenized balance data alongside traditional MT940/CAMT feeds. Platforms like Finmo’s Treasury Operating System are purpose-built for exactly this: providing connected financial intelligence that bridges real-time tokenized data and legacy banking feeds into a single treasurer view. - Scope integration costs explicitly: Include TMS/ERP integration costs in your Phase 1 business case. Under-scoping the middleware layer is the most common reason tokenization pilots stall after proof-of-concept. - Bank-hosted dashboard as interim: For Phase 1, a bank-hosted real-time balance dashboard can serve as an acceptable interim solution while the full integration is scoped and built. > The treasurers who navigate the hybrid state successfully are not those who underestimate it. They are those who design for it explicitly, treating the parallel run as a defined, time-bounded phase with clear exit criteria. ## 4\. The Workflow That Unlocks Real Value: Automated Cash Mobility The most compelling corporate treasury use case is the ability to automate cash mobility between operating and reserve buckets—programmatically, with governance embedded in the workflow. In traditional treasury language, this is tighter cash concentration, better intraday liquidity management, and fewer idle balances. > Target Treasury Workflow: Idle operating balances auto-sweep into tokenized MMFs (earning yield) → Redemption triggers fire automatically when needed: payment runs, margin calls, settlement windows, FX conversions, intercompany funding → Proceeds settle into tokenized deposits for immediate deployment. The practical catch: this only works end-to-end if your ecosystem supports it. That means your banking partners, fund administrators, transfer agents, and custodians all need to operate within a compatible infrastructure, and your TMS or ERP must be able to consume the resulting data in real time. As described in Section 2, this integration layer is a real workstream, not a checkbox. Scenario: Multinational Treasurer, Asia-Pacific Operations A regional treasury center holds USD 50M in operating accounts across four banking partners. Historically, balances above a defined threshold sit idle overnight, missing yield due to cut-off constraints. With tokenized deposits at a participating bank and a compatible tokenized MMF, an automated rule sweeps excess balances above USD 5M into the MMF at the close of business. When the Hong Kong payment run triggers at 02:00 UTC, the redemption fires automatically, funds settle into the tokenized deposit in minutes, and the payment executes. The treasurer sees the full lifecycle in a real-time dashboard. Month-end reconciliation is automated. Manual interventions: zero. ## 5\. Risk and Controls: Questions Every CFO Should Be Asking Tokenization can meaningfully reduce manual processes and settlement friction. But it introduces new operational edges that require deliberate control design. Treat this like any other treasury system implementation: define your controls before you go live, test the exception paths, and ensure auditability meets audit standards. For Tokenized Deposits (Bank Money) Due diligence questions: - Obligor identity: Which legal entity of the bank issues and backs the deposit claim? Does this entity carry the credit rating you’ve approved? - Settlement finality: What does ‘settled’ mean in the bank’s framework? Under what conditions can transfers be reversed, and what is the dispute resolution process? - Operational limits: Are there transaction limits, counterparty whitelists, or cut-off equivalents on the tokenized platform? - Resilience and fallback: If the tokenized rail experiences an outage, what is the fallback mechanism? Is there a conventional payment route that can substitute? Controls to insist on: - Segregation of duties: maker-checker workflows and dual approvals for material transactions - Role-based access management with clearly defined whitelisting governance - Complete, timestamped audit trails that reconcile to GL entries and bank statements On Tokenized MMFs (for Phase 2 Planning) Tokenized MMFs offer yield on excess cash and collateral mobility benefits, but they are securities with distinct legal, accounting, and governance treatment—not deposits. Key questions for when you reach Phase 2: - Register of record: Are tokens the official register of ownership, or a ‘mirror’ representation with the transfer agent maintaining the definitive record? - Redemption mechanics under stress: What liquidity gates or redemption suspensions apply in stressed market conditions? - Accounting treatment: Does this instrument qualify as a cash equivalent under your accounting policy? This varies by jurisdiction and auditor. - Daily reconciliation across three layers: token ledger ↔ transfer agent/custodian ↔ GL ## 6\. Infrastructure Decision: Canton vs. Private Enterprise Chains Much of the Canton vs. private-chain-or-L2 debate comes down to one question: how many parties does your workflow need to involve? This is an important decision for treasury teams evaluating tokenized infrastructure, but it should follow, not precede, clarity on your use case and counterparty requirements. When a Private, Permissioned Architecture Makes Sense Private enterprise chains (including private L2 or rollup models) tend to be the right fit when: - Your workflow operates within a controlled domain: a single corporate group, a single banking partner, or a walled garden where you set the rules. - Data privacy is a primary design constraint, and you want privacy by design rather than privacy through access controls on a shared network. - You are running a workflow end-to-end with a single operator and do not need to interact with external counterparties at the settlement layer. This is a control-first architecture. It optimizes for predictability, privacy, and operational sovereignty. The tradeoff is limited network effects and potential friction if your counterparty base evolves. When a Network-of-Networks Architecture (like Canton) Matters Canton’s model, privacy-preserving interoperability across participants, becomes relevant when: - Your workflow is inherently multi-party: multiple banking partners, multiple custodians, multiple markets. - You need synchronized transaction outcomes across applications or ledgers that belong to different operators. - Your cash, asset, and collateral workflows span multiple institutions and cannot be consolidated under a single operator boundary. This is an ecosystem-first architecture. It optimizes for interoperability and network effects at the cost of some degree of control over the shared infrastructure. Decision Framework > The more your use case resembles multi-bank cash management, cross-counterparty collateral mobility, or market settlement, the more shared interoperability and standardized multi-party controls matter. The more it resembles internal liquidity orchestration within a single banking relationship, the more a private, controlled domain is sufficient. Start by mapping your counterparties before selecting your infrastructure. A practical note on regulatory posture: both architectures are subject to evolving guidance from regulators, including the SEC, CFTC, OCC, and their equivalents in major jurisdictions. Permissioned systems operating with known, regulated participants tend to present a more straightforward compliance posture than public or semi-public infrastructure. Ensure your legal and compliance teams are engaged before finalizing infrastructure decisions. ## 7\. A Phased Adoption Path: How to Evaluate This Without Overcommitting ### Phase 1 — Prove the Operating Cash Efficiency The primary objective of this phase is to validate the reliability of the tokenized deposit infrastructure and your team's ability to operate it in accordance with existing policy. Success here builds the institutional credibility and knowledge base required for Phase 2. Scope: one bank partner, one corridor, one legal entity. - Run a limited pilot for after-hours liquidity moves and intraday funding scenarios. - Implement maker-checker controls and complete audit trails from day one. - Deploy a middleware or aggregation layer to normalize tokenized balance data alongside existing bank feeds. Do not leave this to Phase 2. - Test and document the fail-back protocol to legacy rails before going live. - Measure: reduction in cut-off friction, fewer manual interventions, improved balance visibility, and reconciliation time saved. Phase 1 success validates that the bank’s tokenized deposit infrastructure is reliable, that your team can operate it in accordance with policy, and that your system integration approach is sound. It builds the institutional knowledge base and the internal credibility for Phase 2. ### Phase 2 — Scale to Capital Optimization Once the deposit layer is stable, Phase 2 delivers the core treasury value proposition: automated cash concentration with embedded governance. This stage focuses on eliminating the yield gap by moving from idle balances to active investments. Scope: add a tokenized MMF provider to the Phase 1 setup. - Implement sweep rules and redemption triggers between the deposit and MMF layers. - Build reconciliation routines across the token ledger, transfer agent, and GL. - Confirm accounting treatment of tokenized MMF shares with your auditors before go-live. - Measure: reduction in idle cash balances, improved investment policy adherence, and month-end close efficiency. This phase delivers the core treasury value proposition: automated cash concentration with embedded governance. It also surfaces any remaining gaps in your reconciliation or accounting treatment framework before you scale. ### Phase 3 — Capture Ecosystem Value The final phase is where the full ecosystem value materializes through multi-bank and multi-counterparty workflows. This phase is only pursued once a solid, proven foundation exists from the previous stages Scope: extend to multi-bank or multi-counterparty use cases. - Explore collateral mobility use cases: pledging tokenized MMF shares against bilateral or cleared positions. - Evaluate DvP and PvP settlement legs for tokenized asset transactions. - Assess where multi-bank harmonization requires network interoperability. This is where infrastructure choices (Canton vs. private chain) become load-bearing decisions. Phase 3 is where the full ecosystem value materializes. It is also where the complexity and coordination requirements increase substantially. The prerequisite is a solid, proven foundation in Phases 1 and 2. ## The Bottom Line for CFOs and Treasurers Tokenization is not a treasury strategy. It is an operating model upgrade, one that can deliver real improvements in how you move operating cash, optimize reserve cash, and govern both. But it is an upgrade that must be implemented across a hybrid environment, not a clean slate. The framing that tends to produce good decisions: - Tokenized deposits can modernize how you execute on operating cash objectives: better availability, more granular control, and real-time auditability. - The hybrid transition is a real workstream: liquidity fragmentation, workflow duplication, and TMS/ERP integration are not implementation details—they are the critical path to sustainable adoption. - The compounding value emerges when you orchestrate both deposit and MMF layers with strong governance: automated sweeping, just-in-time liquidity, and auditable workflows your audit team can actually examine. Before any vendor conversation, write down three things in treasury terms: - Which bucket are you targeting first? Operating cash efficiency or reserve cash optimization? Starting here focuses the evaluation. - Which counterparties must be in scope? A single bank vs. a multi-bank changes your infrastructure requirements significantly. - What will your auditors and systems require on day one? Define your minimum acceptable controls for approvals, custody, reconciliation, settlement finality, and data integration before you evaluate any platform. > The treasurers moving fastest on tokenization are not the ones chasing the most innovative technology. They are the ones who have been most disciplined about defining their treasury requirements first and who have planned explicitly for the hybrid state they will inevitably operate in during the transition. Prepared by Thomas Kang and Byron Gardiner Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc48d4e32328d79f390b87a17d3421637646eace8-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The 2026 CFO readiness checklist**\\ \\ Read more](https://www.finmo.net/resources/blog/2026-cfo-readiness-checklist) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd1dc67e133cde857419b788299969d80b3ad4e1-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **How AI will transform treasury management in the future**\\ \\ Read more](https://www.finmo.net/resources/blog/how-ai-will-transform-treasury-management-in-the-future) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2be1b497f2e189a8954f3f4e2d02a2a7a27d2c02-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Bringing sexy back to treasury: How modern CFOs are transforming finance operations**\\ \\ Read more](https://www.finmo.net/resources/blog/modern-cfos-transforming-treasury) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/tokenized-treasury-modernization-a-practical-guide-for-cfos-and-treasurers#) Reject AllAccept All ## Protecting Profit Margins Blog # The importer and exporter's guide to protecting margins ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa5502830f9b838d58c317899311b5ba949ce7ae9-3200x1800.webp&w=3840&q=100) In this article: - [Your bank is costing you more on every international payment than you think. Here is what to do about it.](https://www.finmo.net/resources/blog/importers-exporters-guide-protecting-margins#your-bank-is-costing-you-more-on-every-international-payment-than-you-think-here-is-what-to-do-about-it) - [Three places your margin disappears before you notice](https://www.finmo.net/resources/blog/importers-exporters-guide-protecting-margins#three-places-your-margin-disappears-before-you-notice) - [How Finmo gives importers and exporters their margin back](https://www.finmo.net/resources/blog/importers-exporters-guide-protecting-margins#how-finmo-gives-importers-and-exporters-their-margin-back) - [The bottom line](https://www.finmo.net/resources/blog/importers-exporters-guide-protecting-margins#the-bottom-line) Share: - Link copied ## Your bank is costing you more on every international payment than you think. Here is what to do about it. For importers and exporters, FX fees and slow cross-border payments are not just an inconvenience. They are a direct hit to your margin on every single transaction. This guide covers how to fix it. [See how Finmo is built for global traders](https://www.finmo.net/get-started/import-export) You quoted a client based on today's exchange rate. By the time you pay the supplier invoice 60 days later, the rate has moved 2.5%. On a $200,000 shipment, that is $5,000 gone. Not from a bad deal. Not from a logistics failure. Just from the gap between when you priced the job and when you paid the bill. This is the margin erosion that most trading businesses accept as inevitable. It is not. The problem is not currency volatility itself. Markets move and always will. The problem is operating without the visibility and infrastructure to manage that exposure before it costs you. Most importers and exporters are running their international payments through a traditional bank, tracking FX exposure across spreadsheets that are outdated the moment they are saved, and reconciling transactions manually at month end. Each of these is a separate leak. Together, they add up to a significant, silent drag on profitability that compounds with every new market you enter and every new supplier you add. Want to understand how FX exposure specifically affects trading margins? [Read: FX Risk Management — Deconstructing Hedging Complexity for SMEs](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) ## Three places your margin disappears before you notice **The FX spread your bank doesn't show you:** When you make an international payment through a traditional bank, the fee you see is not the full cost. The majority of what you pay is embedded in the spread between the interbank rate and the rate the bank gives you. That spread is typically 1 to 3% per transaction. On a business moving $500,000 a month across borders, that is up to $15,000 a month in costs that never appear as a line item. **The time gap between pricing and payment:** In global trade, payment terms of 30, 60, or 90 days are standard. A lot can happen to a currency pair in that window. Without a mechanism to lock in a rate at the point of pricing, you are carrying open FX exposure on every outstanding invoice. The longer your payment terms, the larger your exposure. **Manual reconciliation that breaks at volume:** Every cross-border transaction that has to be manually matched, categorised, and entered into your accounting software is an error waiting to happen. At low volume it is manageable. As your supplier base grows and your transaction count increases, the reconciliation burden grows with it, and so does the risk of mistakes that cost you twice. Losing margin on every cross-border transaction? Talk to someone who works with trading businesses across Asia and Europe every day. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales) ## How Finmo gives importers and exporters their margin back **Collect in 30+ currencies. Pay suppliers in 180+ countries.** Finmo gives you local currency accounts in 30+ currencies so you can receive payment from buyers in their currency, like a local business operating in their market, without routing everything through a single home currency account and losing margin on every conversion.On the payment side, you can pay suppliers in 180+ countries at transparent FX rates that are confirmed before you transact, not discovered after settlement. The rate you see is the rate you get. [See global currency accounts](https://www.finmo.net/product/payments/global-multi-currency-account) [See local and cross-border payouts](https://www.finmo.net/product/payments/local-and-cross-border-payments) **See your real FX exposure in real time** Finmo shows you your net currency position across all open payables and receivables, updated continuously. Not just your bank balances but your full exposure: what you owe in foreign currency, what you are owed, and the net risk you are carrying at any given moment. For a trading business with 60-day supplier payment terms and receivables in multiple currencies, this visibility is what makes proactive hedging possible. You can see the exposure clearly and make a decision based on current data, not last week's spreadsheet. [See how cash visibility works on Finmo](https://www.finmo.net/product/cash-visibility) **Forecast cash flow around your trade cycles** Trade finance has a rhythm driven by purchase orders, payment terms, and seasonal demand. Finmo's forecasting tools are built to reflect that rhythm. You can model your cash position around your receivables and payables cycles, anticipate shortfalls before they happen, and make more informed decisions about when to convert currencies or move cash between accounts.This is the shift from reactive to proactive treasury management. Instead of managing surprises, you are managing a plan. [See how cash flow forecasting works](https://www.finmo.net/product/cash-flow-forecasting) **Reconciliation that happens automatically** Every payment Finmo processes is automatically categorised and synced to your accounting software. For a trading business processing hundreds of cross-border transactions a month across multiple currencies and suppliers, this eliminates the most time-intensive part of month-end close and reduces the error risk that comes with manual data entry. [See how AP/AR automation works](https://www.finmo.net/product/ap-ar-automation) ## The bottom line In global trade, margin protection is not just about sourcing better or negotiating harder with suppliers. It is about having the infrastructure to manage what happens between the deal and the payment. FX exposure, payment timing, reconciliation accuracy, and cross-border costs are all controllable. Most trading businesses just do not have the tools to control them yet. Finmo is built specifically for that gap. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales) [Get started free](https://dashboard.finmo.net/signup) Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb28acd426cca7ea63be16db5551205d83939e2f5-3200x1800.webp&w=3840&q=100)\\ \\ - Product\\ \\ **FX risk management: Deconstructing hedging complexity for SMEs**\\ \\ Read more](https://www.finmo.net/resources/blog/fx-risk-management-deconstructing-hedging-complexity-for-smes) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F29079cf4ef6371f4812a642ed31f203668069ec6-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **Scam and fraud awareness: How to protect your business payments**\\ \\ Read more](https://www.finmo.net/resources/blog/scam-and-fraud-awareness-how-to-protect-your-business-payments) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/importers-exporters-guide-protecting-margins#) Reject AllAccept All ## Multi-Currency Payroll Blog # The HR & EOR guide to flawless global payroll ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa14c485083619189138dcaec04f19c1fddbcaca8-3200x1800.webp&w=3840&q=100) In this article: - [The high stakes of global payroll](https://www.finmo.net/resources/blog/multi-currency-payroll-processing#the-high-stakes-of-global-payroll) - [The operational complexities of](https://www.finmo.net/resources/blog/multi-currency-payroll-processing#the-operational-complexities-of) - [The four pillars of a flawless global payroll operation](https://www.finmo.net/resources/blog/multi-currency-payroll-processing#the-four-pillars-of-a-flawless-global-payroll-operation) - [Why a unified payment platform is key to reliable global payouts](https://www.finmo.net/resources/blog/multi-currency-payroll-processing#why-a-unified-payment-platform-is-key-to-reliable-global-payouts) - [Your reputation is built on reliability](https://www.finmo.net/resources/blog/multi-currency-payroll-processing#your-reputation-is-built-on-reliability) Share: - Link copied For Employer of Record (EOR) and HR platforms, and global payroll providers, the core promise to your clients is one of seamless simplicity. You handle the complexities of international employment and payroll so that they don’t have to. Your clients trust you to ensure their global teams are paid correctly, on time, every time. In this business, there is no room for error. A single late or incorrect payment can damage your client’s relationship with their employee and, in turn, severely damage your own reputation. The stakes are incredibly high. Yet, behind the scenes, the operational reality of executing high-volume, multi-country payroll is fraught with complexity. Managing payroll for employees across different countries means dealing with multiple currencies, varying local payment regulations, and the constant challenge of ensuring you have the right amount of funds in the right currency in the right place at the right time. The traditional approach, relying on a patchwork of local bank accounts and manual payment processes, is not only inefficient but also introduces significant operational and financial risks. This guide provides a framework for moving beyond these limitations and building a truly flawless global payroll operation. ## The high stakes of global payroll Unlike many other business functions, payroll is deeply personal. An employee’s salary is their livelihood. Any issue with their pay has an immediate and significant impact on their life. For this reason, payroll accuracy and timeliness are not just operational metrics; they are fundamental drivers of trust and employee satisfaction. When a company uses an EOR or global payroll provider, they are outsourcing this critical function. They are placing their trust in you to be the custodian of their relationship with their employees. A failed payment is not just a technical issue; it is a breach of that trust. It creates anxiety for the employee and a major headache for your client. A pattern of such issues can quickly lead to client churn and irreparable reputational damage. In the competitive EOR and global payroll market, reliability is the ultimate currency. ## The operational complexities of [multi-country payouts](https://www.finmo.net/product/payments/local-and-cross-border-payments) Delivering on the promise of flawless global payroll requires navigating a series of significant operational challenges. ### Liquidity and funding management To pay 1,000 employees across 20 countries, you need to ensure you have sufficient funds in 20 different currencies, often held in multiple different bank accounts. Pre-funding these accounts ties up working capital, while under-funding risks payment failures. Managing this delicate balance is a constant challenge. ### FX and currency conversion Converting your primary funding currency (e.g., USD) into multiple local currencies for payout introduces FX risk. Currency markets are volatile, and the cost of conversion can fluctuate significantly. Using traditional banks for these conversions often involves opaque pricing and wide spreads, which can eat into your margins or be passed on as a high cost to your clients. ### Payment routing and compliance Each country has its own local payment rails (e.g., SEPA in Europe, ACH in the US, BACS in the UK). Ensuring that payments are routed through the most efficient and cost-effective network, and that they comply with local regulations, is a complex task. A payment that is formatted incorrectly or sent via the wrong rail can be delayed or rejected, leading to a payment failure. ### Reconciliation and reporting Once payments have been made, the finance team faces the monumental task of reconciling thousands of individual transactions across multiple bank accounts and currencies. This is a time-consuming, manual process that is prone to error and makes it difficult to provide clients with clear, consolidated reporting. ## The four pillars of a flawless global payroll operation Building a scalable and resilient global payroll operation requires a systematic approach that addresses these challenges head-on. The following four pillars provide a framework for achieving this. ### Pillar 1: Centralise your funding sources The first step is to move away from a fragmented web of local bank accounts and centralise your funding. This does not mean closing all your local accounts, but rather connecting them to a single, unified platform. [By linking all your bank accounts](https://www.finmo.net/product/connected-financial-dashboard) and funding wallets via direct integrations, you can create a central pool of liquidity. This gives you a consolidated view of your total funding capacity and allows you to manage your working capital more efficiently, rather than having it trapped in dozens of pre-funded accounts. ### Pillar 2: Gain real-time visibility into your global cash position With your funding sources centralised, the next step is to gain [real-time visibility into your global cash position.](https://www.finmo.net/product/cash-visibility) A unified platform should provide a single dashboard where you can see your balances across all currencies and entities, updated in real time. This is the command centre for your global payroll operation. It allows you to know exactly what funds are available and where, before every payroll cycle. This eliminates the guesswork and manual status checks that plague so many finance teams. ### Pillar 3: Forecast funding needs and optimise FX Real-time visibility allows you to move from reactive funding to proactive liquidity management. By integrating your payroll system with your treasury platform, you can generate [rolling forecasts](https://www.finmo.net/product/cash-flow-forecasting) of your future payroll obligations. This allows you to predict your funding needs for each currency well in advance. This forecasting capability is also the key to optimising your FX strategy. Instead of making many small, ad-hoc currency conversions at spot rates, you [can consolidate your FX needs.](https://www.finmo.net/product/working-capital-optimisation) For example, if you know you need to pay out a total of €500,000 in the next payroll cycle, you can execute a single, larger FX transaction, giving you access to better pricing and reducing your transaction costs. You can also use hedging tools, like forward contracts, to lock in exchange rates in advance, protecting yourself and your clients from adverse currency movements. ### Pillar 4: Execute global payroll at scale with automation The final pillar is the automation of the payment execution itself. [A modern global payments platform](https://www.finmo.net/product/payments/local-and-cross-border-payments) allows you to move away from manual, single-payment entry and towards automated, batch processing. This means you can upload a single payment file from your payroll system, and the platform will automatically handle the execution of thousands of individual payments to employees in different countries. This automation should be powered by intelligent routing, which automatically selects the most efficient and cost-effective local payment rail for each transaction. It should also have built-in compliance controls to ensure that each payment meets the specific formatting and regulatory requirements of the destination country. This dramatically reduces the risk of payment failures and frees up your operations team to focus on exception handling and client service, rather than manual payment entry. ## Why a unified payment platform is key to reliable global payouts These four pillars are deeply interconnected. Real-time visibility is a prerequisite for accurate forecasting. Proactive FX management is impossible without centralised funding. And automated payment execution is only reliable if it is built on a foundation of clean, connected data. This is why a unified, integrated platform is essential. Finmo provides a single, regulated global payment network designed for the complexities of high-volume, multi-country payouts. It is a treasury operating system that brings together funding management, cash visibility, FX optimisation, and payment automation into a single, cohesive workflow. By building your global payroll operation on a unified platform like Finmo, you can eliminate the inefficiencies and risks of a fragmented system and create a more scalable, resilient, and reliable service. [See how modern payroll providers are rethinking global payouts](https://www.youtube.com/watch?v=UW_kbYhvG0g&feature=youtu.be) ## Your reputation is built on reliability In the EOR and global payroll industry, your reputation is your most valuable asset. It is built on the trust that you will deliver on your promise of flawless execution, every single time. By investing in a modern, automated, and integrated financial infrastructure, you are not just optimising your operations; you are investing in the reliability and trust that will set you apart from the competition and drive your long-term growth. [Get started with Finmo for free](https://dashboard.finmo.net/signup) Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F478e06935caecb0ca96c6e684352ce6040ca0326-4800x2700.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **5 signs your startup has a cash visibility problem**\\ \\ Read more](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4245a2d46092953f64480c0d42d74e4a9e80bdbb-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **The CFO's guide to cash intelligence: Visibility, forecasting and payments**\\ \\ Read more](https://www.finmo.net/resources/blog/cash-intelligence-guide) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd8648cb04946a7d32ec35db534455e4968d34710-4800x2700.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The startup founder's guide to financial control**\\ \\ Read more](https://www.finmo.net/resources/blog/founders-guide-financial-control) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/multi-currency-payroll-processing#) Reject AllAccept All ## Treasury Management Guide Blog # Treasury management simplified: A CFO’s guide to cash, liquidity, and FX with finmo ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40ee0450ee103559737f53e59e6a9bc6a604bfc1-3200x1800.webp&w=3840&q=100) In this article: - [What Is Corporate Treasury?](https://www.finmo.net/resources/blog/treasury-management-simplified#what-is-corporate-treasury) - [The 7 Core Functions of Treasury](https://www.finmo.net/resources/blog/treasury-management-simplified#the-7-core-functions-of-treasury) - [Treasury Tech: Why Legacy Tools Fall Short](https://www.finmo.net/resources/blog/treasury-management-simplified#treasury-tech-why-legacy-tools-fall-short) - [A Treasury Operating System That Grows With You](https://www.finmo.net/resources/blog/treasury-management-simplified#a-treasury-operating-system-that-grows-with-you) - [MO.AI: Conversational Finance Intelligence](https://www.finmo.net/resources/blog/treasury-management-simplified#moai-conversational-finance-intelligence) - [Built for the CFOs of Modern Business](https://www.finmo.net/resources/blog/treasury-management-simplified#built-for-the-cfos-of-modern-business) Share: - Link copied In most growing businesses, the finance function is evolving faster than the tools supporting it. What used to be a tactical role focused on reporting and compliance has become a strategic one: optimizing liquidity, managing cross-border complexity, and enabling growth through better financial control. This is where corporate treasury steps in, and where platforms like Finmo are changing how CFOs and treasurers operate. This article breaks down the fundamentals of modern treasury, the common challenges faced by finance teams, and how Finmo delivers an all-in-one, modular Treasury Operating System (TOS) that simplifies complexity, boosts visibility, and increases control. ## What Is Corporate Treasury? Think of treasury as the GPS for your company’s cash. It connects operational finance to strategic decision-making by answering questions like: Where is our cash, and how much do we have? - Can we fund upcoming obligations in multiple currencies? - How do we protect our bottom line from FX risk? - Are we maximizing liquidity and yield? The Mission: To ensure the company has the right cash, in the right currency, at the right time, while reducing risk and improving efficiency. ## The 7 Core Functions of Treasury ### 1\. Cash Management Every day starts with one key task: understanding your current cash position. Treasury teams track balances across accounts and geographies to fund operations and avoid shortfalls Key Activities: - Monitoring daily balances across bank portals - Consolidating cash for payments or short-term investments - Ensuring funds are available where needed ### 2\. Liquidity Forecasting Forecasting helps you look ahead, whether you’re planning for dividends, debt servicing, or unexpected expenses. Key Activities: - Projecting short- and long-term inflows and outflows - Identifying gaps before they become liquidity crises - Enabling better financing and investment decisions ### 3\. Bank and Payment Management Your bank setup defines how efficiently your business moves money. Poorly optimized structures lead to delays, higher fees, and operational friction. Key Activities: - Managing global banking relationships - Opening and configuring pay-in/pay-out accounts - Minimizing transaction costs and payment delays - Implementing fraud controls ### 4\. FX Risk Management Currency volatility is a silent profit killer. Companies with foreign revenue or costs must manage FX exposure proactively. Example: A US company expecting €5 million in six months can lock in today’s EUR/USD rate of 1.10 using a forward contract, ensuring it receives $5.5M regardless of rate changes. Without hedging, if the rate falls to 1.05, it would only receive $5.25M - a $250,000 loss. Key Activities: - Mapping currency exposures - Using forwards or options to hedge - Protecting margins from FX swings ### 5\. Working Capital Optimization Your AR/AP cycles directly impact cash flow. Treasury ensures that capital isn’t trapped in receivables or excess inventory. Key Activities: - Managing AR/AP and improving collection cycles - Reducing Days Sales Outstanding (DSO) - Freeing up trapped cash to reduce borrowing ### 6\. Treasury Controls & Compliance Treasury must operate under strict controls to prevent fraud, meet audit standards, and ensure regulatory compliance. Key Activities: - Enforcing SOX/internal control frameworks - Managing user access and approval layers - Ensuring audit readiness and fraud prevention ### 7\. Investment of Idle Cash Treasury focuses on security and liquidity over yield. The goal is not to beat the market - but to keep cash safe and accessible. Key Activities: - Parking surplus cash in low-risk instruments - Managing liquidity buffers - Aligning investments with policy and cash forecasts While these seven functions form the backbone of any treasury organization, the way they’re executed has changed dramatically. Today’s finance teams are expected to deliver real-time insights, automate workflows, and stay ahead of global volatility, all with limited headcount. That’s where legacy treasury tools begin to fall short. ## Treasury Tech: Why Legacy Tools Fall Short Most treasury teams still rely on manual processes: spreadsheets, siloed bank portals, and basic dashboards. These systems don’t scale, and worse, they obscure risk. ### How Finmo Maps to Treasury Needs | Treasury Need | Challenge | Finmo’s Solution | | --- | --- | --- | | Global Money Movement | Manual transfers, compliance delays, and fragmented payout flows | Real-time pay-ins and payouts in 180+ countries with built-in regulatory support | | Cash & Liquidity Management | Poor visibility and idle cash | Real-time dashboards and AR/AP automation to free up working capital | | FX Risk Exposure | SMEs struggle to hedge FX exposure effectively | FX modules provide exposure tracking and automated conversion workflows to reduce losses from currency volatility. | | Automation & Reconciliation | Manual reconciliation between ERPs, bank portals, and spreadsheets | Unified APIs, native ERP integrations, and no-code workflows streamline treasury processes and reduce reconciliation time. | | Compliance & Control | Demand for global controls, audit trails, and licensing | Fully licensed across key markets (PCI-DSS, ISO 27001, SG MPI, AU AFSL, UK EMI, US/CA MSB), with built-in controls and security protocols. | ## A Treasury Operating System That Grows With You Finmo isn’t an all-or-nothing solution. You can start with one module, like payments or FX, and add others as you scale. ### The Finmo Value Ladder: 1. **Start:** Cross-border payments 2. **Expand:** Real-time cash dashboards 3. **Advance:** FX exposure and hedging 4. **Scale:** AR/AP automation and ERP integrations 5. **Optimize:** Unified workflows across treasury ## MO.AI: Conversational Finance Intelligence One of Finmo’s most powerful features is MO AI, a conversational assistant that transforms everyday finance operations into simple, voice-based workflows. From querying multi-currency balances to initiating FX conversions, MO.AI empowers CFOs and finance teams to act faster, without toggling between dashboards or systems ### Examples: “What’s my available cash across USD and SGD accounts?” “Do I have any upcoming liquidity shortfalls?” “Can I initiate a hedge for our GBP receivables?” It’s built to streamline daily tasks and reduce the complexity of global financial operations. ## Built for the CFOs of Modern Business The modern CFO is no longer just a gatekeeper. They are strategic operators, navigating volatility, unlocking liquidity, and enabling global scale. But their tools haven’t kept up. That’s why we built Finmo, a modular, intelligent Treasury OS designed from the ground up to give finance teams the visibility, control, and automation they need to lead with confidence. ### Book a walkthrough with our team and discover how Finmo can: \- Unify your money movement and FX \- Offer real-time visibility into cash and working capital \- Automate reconciliation and reduce operational overhead \- Bring security, compliance, and simplicity into every finance workflow Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb1681e54ba2b600cc1a7d7f8266dfc7dc3ff9c23-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The rise of AI in fintech: How CFOs are reimagining financial operations**\\ \\ Read more](https://www.finmo.net/resources/blog/ai-in-fintech) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F490341f4b0a7c0d3f6f9674bab906995afbcc447-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The evolution of treasury management: A CFO’s new playbook**\\ \\ Read more](https://www.finmo.net/resources/blog/cfo-treasury-playbook) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9928971c354b39fb833a260bcc3741bd30b1e64a-3200x1800.webp&w=3840&q=100)\\ \\ - TOS 101\\ \\ **Treasury management: The foundation your startup needs to thrive**\\ \\ Read more](https://www.finmo.net/resources/blog/treasury-management-startup-guide) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/blog/treasury-management-simplified#) Reject AllAccept All ## Treasury Management for Startups Blog # A practical guide to treasury management for startups ![Finmo | A Practical Guide to Treasury Management for Startups](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F268114baf098154910dffd1806072d5e28b9788f-3200x1800.jpg&w=3840&q=100) In this article: - [What is treasury management for startups?](https://www.finmo.net/resources/blog/treasury-management-for-startups#what-is-treasury-management-for-startups) - [How treasury management should evolve at Series A and B](https://www.finmo.net/resources/blog/treasury-management-for-startups#how-treasury-management-should-evolve-at-series-a-and-b) - [The hidden cost of unmanaged FX exposure](https://www.finmo.net/resources/blog/treasury-management-for-startups#the-hidden-cost-of-unmanaged-fx-exposure) - [What does treasury management actually looks like in practice?](https://www.finmo.net/resources/blog/treasury-management-for-startups#what-does-treasury-management-actually-looks-like-in-practice) - [The Growth Stage Liquidity Framework for Series A Startups](https://www.finmo.net/resources/blog/treasury-management-for-startups#the-growth-stage-liquidity-framework-for-series-a-startups) - [Finmo helps startups streamline treasury management without the chaos](https://www.finmo.net/resources/blog/treasury-management-for-startups#finmo-helps-startups-streamline-treasury-management-without-the-chaos) - [FAQs](https://www.finmo.net/resources/blog/treasury-management-for-startups#faqs) Share: - Link copied Most Series A and B startups run out of cash discipline, not opportunities. Treasury management can determine how durable your runway really is. This guide shows CFOs how to move from fragmented visibility and fragile forecasts to structured liquidity control, and how treasury management systems like Finmo enable real-time cash clarity without enterprise complexity. [Over 2 in 5 startups (38%) end up failing](https://www.brex.com/spend-trends/cash-flow-management/cash-flow-problems) because they run out of cash. Many startup founders obsess over growth metrics, CAC efficiency, and hiring velocity, all the while liquidity management gets treated as a back office practice until it becomes the reason for the business’s stagnated growth. Once you start operating across borders and move beyond a single currency account, treasury management becomes one of the few functions that can directly determine your startup’s runway durability and operational resilience. This guide discusses where treasury complexity begins in scaling startups, the right way for CFOs to approach liquidity, and the practical steps to build stage-appropriate infrastructure without prematurely adopting enterprise systems. ## What is treasury management for startups? When startups finally get funding and institutional capital enters the picture, treasury stops being administrative and becomes strategic. Stepping into the Series A phase, three structural changes occur: 1. **Balance size increases:** Before the raise, your cash might be mainly covering payroll and vendor payments. But after the raise, you become responsible for allocating a significant balance over a defined runway and that introduces real decisions. \- How much cash should remain fully liquid? \- How much cash can earn yield? \- How much cash is needed in the next six months versus the next two years? 2. **Operating setup becomes more complex:** You may be opening new bank accounts, operating in multiple currencies, or setting up foreign entities to manage regional payroll and vendor payments. Cash is no longer sitting neatly in one place. It is spread across accounts, institutions, and sometimes countries. And of course, manual reconciliation and never ending spreadsheets only add to the problems. 3. **Scrutiny increases:** Board members now expect clear answers about runway, liquidity buffers, and downside scenarios. Investors want to see disciplined capital management and not just growth. Your forecasts have to be accurate, updated, and defensible instead of just being optimistic. > Without structured treasury discipline, startups tend to oscillate between over-conservatism and operational fragility–but both constrain scale ## How treasury management should evolve at Series A and B Your treasury does not need to suddenly become sophisticated after a Series A or B. It needs to become structured around two clear priorities: visibility and execution control. - **Priority #1: Unified visibility** CFOs should be able to see consolidated balances in real time and rely on live data when forecasting runway, approving hires, or evaluating expansion. When cash is spread across multiple banks, currencies, and entities, a decision made on a number that's 48 hours stale is a decision made blind. > Companies with good cash forecasting can [achieve over 90% of their estimated quarterly accuracy](https://www.ey.com/en_us/insights/strategy/cash-forecasting-difficult-and-more-urgent-than-ever) - **Priority #2: Structured execution** CFOs should be able to control how money moves, not just see where it sits. Payments should run through a centralised workflow with clear approval layers and embedded controls. FX impact should be visible before funds are sent and audit trails should be automatically recorded. ## The hidden cost of unmanaged FX exposure For startups operating across borders, burn rate is rarely a single number. It's a moving target. Consider a Singapore-headquartered startup post-Series A. They're paying a 12-person engineering team in India in INR, running cloud infrastructure billed in USD, and covering a two-person sales team in the UK in GBP. Their board-approved monthly burn is SGD 400K. **But here's what actually happens:** INR weakens 4% against SGD in a quarter. USD strengthens 3%. GBP swings on a policy announcement. None of these moves are large individually but combined, the effective burn rate shifts by SGD 20–30K per month without a single new hire or unplanned expense. Over six months, that's a runway miscalculation of 2–3 weeks that doesn't show up until the CFO reconciles manually at month-end. This is the FX visibility gap. It's not about sophisticated hedging programs - that's an enterprise problem. At Series A and B, the priority is simpler: knowing your real burn in your reporting currency before payments go out, not after. ## What does treasury management actually looks like in practice? Once visibility and execution are stabilised, treasury becomes a capital allocation discipline. Let's take a look at what treasury management looks like in practice for startups ## **The Growth Stage Liquidity Framework for Series A Startups** Consider a Series A startup that has just raised $25M. Monthly burn is $750K, and leadership expects to deploy most of that capital over the next 18 to 24 months. On paper, that's more than 30 months of runway. Without structured treasury planning, the default response is predictable: keep the full $25M in a single operating account, preserve immediate access, and avoid perceived complexity. It feels safe, but what it actually does is leave capital efficiency entirely unmanaged. Idle cash earns nothing, and there's no structural separation between funds needed this month and funds not needed for two years. The more disciplined approach is to segment liquidity by deployment horizon across three buckets: ![The more disciplined approach is to segment liquidity by deployment horizon across three buckets](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6e1271a4e65dc9dde9c43346741381f3addad37a-1200x630.png&w=3840&q=100) The goal isn't to maximise return. It's to ensure every dollar is working at the level of risk and accessibility appropriate to when it will actually be needed, while preserving your ability to move fast when the market shifts. ## Finmo helps startups streamline treasury management without the chaos Treasury management for startups breaks when growth outpaces your existing financial infrastructure. It rarely happens all at once. It starts with a second bank account for a new entity. Then a third currency when you hire contractors abroad. Then a board meeting where your CFO spends the first ten minutes explaining why the runway number in the deck does not match the one in the bank. At this stage, you don't need a complex enterprise TMS. What you need is a connected finance function: a single place to see all your cash, a reliable way to forecast where it's going, and controls that govern how it moves. Finmo is built specifically for startups at this stage. It replaces fragmented bank portals and spreadsheet reconciliation with a real-time treasury layer, without a six-month implementation cycle. For Series A and B companies, Finmo enables: - Real-time balance aggregation across banks, currencies, and entities - Direct API connectivity to banks, ERP, and accounting systems - Automated reconciliation and intelligent transaction categorisation - Dynamic forecasting powered by live transactions, receivables, and payables - Scenario modelling to stress-test hiring plans, delayed revenue, or cost shocks - Streamlined cross-border payments with real-time FX visibility before execution [30-second product walkthrough](https://youtu.be/RGkhb0mMnT8) Sign up in under two minutes with no changes to your existing banking setup required. [Get started with Finmo](https://dashboard.finmo.net/signup) ## FAQs ### 1\. How do I get real-time visibility into cash across multiple bank accounts? Real-time visibility requires connecting all your bank accounts across currencies, entities, and countries into a single system. Instead of downloading statements and updating spreadsheets, startups can use treasury management systems like Finmo that aggregate balances and transactions via direct API connectivity. This creates a consolidated, real-time dashboard so CFOs can see total available liquidity instantly, without waiting for manual reconciliation. ### 2\. How do I improve cash flow forecasting accuracy for my startup? Forecasting accuracy improves when projections are powered by live data instead of static spreadsheets. Spreadsheets become outdated quickly as transactions clear, invoices shift, and FX rates fluctuate, creating version mismatches and manual errors. Treasury management platforms like Finmo connect directly to your banks, ERP, and accounting systems to generate dynamic forecasts from real-time transactions, receivables, and payables. This enables scenario modelling and produces forecasts that CFOs can defend in board discussions. ### 3\. How should a startup manage cash after a Series A raise? After a Series A raise, startups should segment liquidity by deployment horizon rather than leaving all capital in one operating account. Typically, this means maintaining an operating buffer for near-term expenses, allocating medium-term funds to low-risk yield instruments, and aligning longer-duration capital with planned deployment timelines. The objective is disciplined runway management, not aggressive yield chasing. ### 4\. What treasury management software do startups use? Most Series A and B startups do not need enterprise-grade treasury systems yet. Instead, they can use treasury management platforms like Finmo that provide real-time bank aggregation, forecasting, and structured execution controls without heavy implementation overhead. Finmo connects directly to your banks and finance stack, improves liquidity visibility, and scales with complexity rather than introducing unnecessary process burden. ### 5\. How do I reduce manual reconciliation and bank reporting for my finance team? Manual reconciliation is time-consuming and error-prone, especially as transaction volume and bank accounts increase. Treasury management platforms like Finmo automatically aggregate transactions, match data, and categorise cash flows in real time. This eliminates constant statement downloads and spreadsheet updates, allowing finance teams to focus on forecasting, liquidity planning, and strategic analysis instead of formatting reports. Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F478e06935caecb0ca96c6e684352ce6040ca0326-4800x2700.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **5 signs your startup has a cash visibility problem**\\ \\ Read more](https://www.finmo.net/resources/blog/5-signs-your-startup-has-a-cash-visibility-problem) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4245a2d46092953f64480c0d42d74e4a9e80bdbb-3200x1800.jpg&w=3840&q=100)\\ \\ - Learn\\ \\ **The CFO's guide to cash intelligence: Visibility, forecasting and payments**\\ \\ Read more](https://www.finmo.net/resources/blog/cash-intelligence-guide) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd8648cb04946a7d32ec35db534455e4968d34710-4800x2700.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **The startup founder's guide to financial control**\\ \\ Read more](https://www.finmo.net/resources/blog/founders-guide-financial-control) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Finmo October Newsletter Newsroom # October newsletter: Finmo’s latest updates in treasury management ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F150702b159f30466ed39cc241f11b2bf9341c456-3200x1800.webp&w=3840&q=100) In this article: - [Exciting News: Finmo Secures DFSA In-Principle Approval for Dubai Licence](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#exciting-news-finmo-secures-dfsa-in-principle-approval-for-dubai-licence) - [Finmo Founders & CFOs Night: Building the Future of SME Finance, Together](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#finmo-founders-cfos-night-building-the-future-of-sme-finance-together) - [WooCommerce x Finmo: Driving Conversions for Merchants Who Sell Globally](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#woocommerce-x-finmo-driving-conversions-for-merchants-who-sell-globally) - [New regulation: Confirmation of Payee (CoP) Implementation on October 5, 2025](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#new-regulation-confirmation-of-payee-cop-implementation-on-october-5-2025) - [Unlock the Startup CFO Playbook: Build an Investor-Ready Finance Function](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#unlock-the-startup-cfo-playbook-build-an-investor-ready-finance-function) - [C-Engage Singapore Highlights: Unlocking the Power of Connected Financial Intelligence](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#c-engage-singapore-highlights-unlocking-the-power-of-connected-financial-intelligence) - [Discover Finmo’s Partner Program](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#discover-finmos-partner-program) Share: - Link copied Welcome to the September edition of Finmo Pulse, your monthly roundup of key developments, insights, and tools designed to help you simplify global finance operations. Here’s what’s new this month: **🔐 Finmo secures in-principle approval for Dubai:** Finmo now has in-principle approval from DFSA,bringing smarter finance & treasury infrastructure to the businesses in Dubai. **🤝 Finmo Founders & CFO Night:** Last week, 65+ finance leaders gathered to share insights on how SMEs across Asia are transforming finance with Finmo. **🏆 Now connected to WooCommerce MarketPlace:** Start accepting payments in your customers’ preferred currencies and payment methods today. **📊 Stay ahead with CoP:** From October 5th 2025, confirmation of payee (CoP) will add an additional layer of security to reduce risks and protect you from payment errors. Let’s dive in. Big Milestone ## Exciting News: Finmo Secures DFSA In-Principle Approval for Dubai Licence ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc92e44a92cd0d1435f582dc3709f94be1aae9d90-1800x1040.webp&w=3840&q=100) We are proud to announce that Finmo has received in-principle approval from the Dubai Financial Services Authority (DFSA) for our Financial Services Licence. This milestone marks a major step in our expansion into the Middle East, enabling us to offer innovative treasury and payment solutions tailored to Dubai’s vibrant financial ecosystem. With this approval, Finmo is committed to fostering trust, compliance, and seamless cross-border financial services in the region, empowering local and global businesses to connect and grow. Stay tuned as we move toward full licensing and expand our presence in Dubai’s dynamic market! [Find out more here](https://www.finmo.net/resources/newsroom/finmo-dfsa-in-principle-approval-financial-services-licence-dubai) ## Finmo Founders & CFOs Night: Building the Future of SME Finance, Together Last week, we brought together a vibrant group of CFOs, founders, and finance leaders for an exclusive evening dedicated to sharing stories, exchanging ideas, and exploring how SMEs are transforming treasury & finance operations with Finmo. From candid founder insights to compelling customer success stories, the event showcased the innovative ways SMEs across Asia are turning financial complexity into growth momentum. ### Event Highlights 💡 Our panel discussion, Finance as a Growth Engine, brought together leaders from Auptimate, Handshake Finance, and Citi, who shared perspectives on: - The evolving role of the CFO, from number-cruncher to growth driver - How banks and fintechs are partnering to power SME growth - The opportunities of digitalisation for SMEs We are grateful to everyone who participated in making this a memorable evening and look forward to hosting more events that drive innovation and collaboration in SME finance. Stay tuned for our upcoming engagements, and if you missed this event, check out the recorded panel here Product Highlights ## WooCommerce x Finmo: Driving Conversions for Merchants Who Sell Globally ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2cbad076050df00f2b70cd7f15ec624143d1b923-1800x1040.webp&w=3840&q=100) Finmo’s Payments Plugin lets you accept payments in your customers’ preferred currencies and payment methods, turning more visitors into paying customers. ### Key Benefits: - Install Finmo’s payment plugin with ease and start accepting payments through cards, wallets, and popular local methods instantly. - Deliver a seamless and secure checkout experience to your customers with saved cards for quicker payments, reinforced by built-in 3DS fraud protection and PCI DSS-compliant security. - Test confidently in sandbox mode to simulate real transactions and ensure everything runs smoothly before going live. - Initiate full or partial refunds from your WooCommerce dashboard and track all transactions in real time in your Finmo account. A straightforward, integrated solution to grow your sales and scale globally. Download Finmo’s Payment extension to start accepting payments on your WooCommerce store, while we will be available on the WooCommerce Marketplace soon. Get Started ## New regulation: Confirmation of Payee (CoP) Implementation on October 5, 2025 ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbc1e04378ca8207c3320e855fd42e4a3c404a96b-1800x1040.webp&w=3840&q=100) Starting from October 5, 2025, the European Payments Council’s Confirmation of Payee (CoP) regulation will be introduced, applying to all SEPA Credit Transfer (SCT) and SEPA Instant Credit Transfer (SCT Inst) payments in euros (EUR). This important update adds an extra layer of security by verifying that the recipient’s account details match the intended beneficiary, helping to reduce the risk of fraud, misdirected payments, and operational delays. Stay tuned for further updates as we prepare to comply with this new regulation. [Find out more here](https://www.finmo.net/product/payments/local-and-cross-border-payments/confirmation-of-payee) Our Latest E-books ## Unlock the Startup CFO Playbook: Build an Investor-Ready Finance Function ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F29c1ae1f13b1d01b536df25a8be341fd749efe2c-900x520.webp&w=3840&q=100) Ready to turn your startup’s finance team into a growth engine? This playbook is built for founders and finance leaders who want to go beyond spreadsheets and stay investor-ready at every stage. Inside, you’ll find actionable insights on achieving real-time cash clarity, scaling globally, automating finance ops, managing fundraising with confidence, and making faster, data-driven decisions.
With Finmo, you’ll see how connected treasury platforms can turn financial complexity into a strategic advantage, giving you the visibility, control, and agility to scale smarter. 📘 Download the Startup Finance Playbook and learn how to build a lean, connected, and investor-ready finance function that powers your next chapter of growth. [Download today](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management) On the Ground ## C-Engage Singapore Highlights: Unlocking the Power of Connected Financial Intelligence ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc9276ad3accfdb2378406adcecf1fd9e353374ac-1800x1040.webp&w=3840&q=100) We’re thrilled to share that Jonathan Lew, CFO at Finmo, shared his insights on the importance of connected financial intelligence at the C-Engage Convention in Singapore. As the role of a CFO is evolving faster than ever, from traditional guardians of the financial books to strategic visionaires. Jonathon emphasised how leveraging real-time financial data is key to this shift. Modern finance leaders now use connected financial intelligence to make smarter decisions, shift from controllers to opportunity creators, and drive growth and innovation. Here are some highlights from the event: - Our booth was lively and full of curiosity—visitors eagerly discovered how our solutions provide real-time cash visibility and balance data across multiple bank accounts, addressing the challenge of limited transparency. - Many attendees praised our Invest module, especially its synergy with forecasting features, which supports smarter investment planning. We’re proud to partner with Syfe and Endowus to help CFOs achieve their cash management and strategic objectives. Find out more about our [invest product here.](https://www.finmo.net/product/working-capital-optimisation/yield) A heartfelt thank you to everyone who stopped by! We’re excited to continue the conversation on transforming financial leadership and exploring how connected financial intelligence can help optimize working capital and fuel better decision-making. See us at our upcoming events! CXOciety CFO event \| Hong Kong \| 23 October Singapore FinTech Festival (SFF) \| Singapore \|12 - 14 November Schedule a slot ## Discover Finmo’s Partner Program ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff438d21b5888a630b6ad1383d63c6b5d49a47595-1800x1040.webp&w=3840&q=100) Ready to unlock new revenue streams and enhance your client offerings? Join the Finmo Partner Program and leverage our cutting-edge Treasury Operating System to simplify global payments for your clients while growing your business. Why Partner with Finmo? - No Coding Required: Use our hosted Partner Portal for seamless integration. - Earn Up to 18% Commission: Refer clients and earn on every successful transaction with no overhead. - Flexible Partnership Models: Choose referral, reseller, or white-label options to suit your business. - Global Multi-Currency Accounts: Enable clients to collect locally and pay globally in over 180 markets and 35+ currencies. - Real-Time Tracking: Monitor transactions, payouts, and commissions via our intuitive Partner Dashboard. - Regulatory Compliance: Offer secure, compliant solutions without the hassle. Whether you’re an advisor, platform, or fintech, Finmo’s AI-powered platform makes it easy to embed global treasury capabilities, optimize transactions for speed and cost, and scale without building infrastructure. Sign Up Now to transform your business and empower your clients! Thank you for being part of the Finmo community. As we continue to expand our product features, regulatory compliance, and global reach, we're committed to helping you navigate and automate your financial operations with confidence. Until next month, Team Finmo Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F41c9b1925f2aba62f46a3c64e3f671153af094eb-3200x1800.webp&w=3840&q=100)\\ \\ - Newsletter\\ \\ **September monthly product update**\\ \\ Read more](https://www.finmo.net/resources/newsroom/newsroom-post-4) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe6069559929688aa29f47116535c2281479d1cdf-3200x1800.webp&w=3840&q=100)\\ \\ - Newsletter\\ \\ **August newsletter: Finmo’s latest updates in treasury management**\\ \\ Read more](https://www.finmo.net/resources/newsroom/august-newsletter-finmo-s-latest-updates-in-treasury-management) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3e7e0eeb3259aece83de5f67500ed1330b9984ce-3200x1800.webp&w=3840&q=100)\\ \\ - Newsletter\\ \\ **July newsletter: Finmo’s latest updates in treasury management**\\ \\ Read more](https://www.finmo.net/resources/newsroom/july-newsletter-finmo-s-latest-updates-in-treasury-management) ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/newsroom/october-newsletter-finmo-s-latest-updates-in-treasury-management#) Reject AllAccept All ## Joana Liew Appointment Newsroom # Finmo appoints Joana Liew as Chief Human Resources Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fde26ccb535d1905b3594445111ba686c6dbd7133-3200x1800.webp&w=3840&q=100) In this article: - [About Finmo](https://www.finmo.net/resources/newsroom/finmo-appoints-joana-liew-as-chief-human-resources-officer#about-finmo) Share: - Link copied **Singapore - 11 February 2026** \- Finmo today announced the appointment of Joana Liew as Chief Human Resource Officer (CHRO). Joana joins Finmo’s executive team as the company scales its organisation globally. Joana will lead Finmo’s global people operations, shaping and executing strategies that support the company’s international expansion. Her remit includes building leadership and performance frameworks, strengthening governance and compliance across regions, aligning talent strategy with business goals, and reinforcing a high-performance, values-led culture as Finmo grows. > Joana brings deep experience building organisations that scale with clarity and discipline. As Finmo grows globally, strong leadership, clear culture, and the right operating foundations matter more than ever. Joana has a proven track record of building those foundations, and she will play a critical role in supporting our next stage of growth. > > David Hanna,Chief Executive Officer at Finmo With more than 20 years of leadership experience, Joana has worked across FinTech, technology, professional services, retail, marketing communications, property development, and hospitality. She has held senior HR leadership roles at InCorp Global and Cake Group as Chief HR Officer, led organisational design, workforce transformation, and M&A integration across Asia Pacific, and helped build regional HR foundations at TikTok and OKX during periods of rapid expansion. She is also a Certified Executive Coach and has coached more than 50 senior leaders globally. > Finmo is building connected financial intelligence and control for modern CFOs, and that ambition needs strong teams behind it. I’m excited to join Finmo at this stage and help build an organisation that supports scale, develops leaders, and creates an environment where people can do their best work as the business grows. > > Joana Liew,Chief Human Resources Officer at Finmo ## About Finmo Finmo is a global fintech company transforming how modern finance teams manage cash and treasury operations, backed by PayPal Ventures, Citi Ventures, and Quona Capital. Founded by David Hanna, Akhil Nigam, Richard Oh, Raj Vimal Chopra, and Thomas Kang, Finmo is purpose-built for today’s cross-border businesses. Our Treasury Management System delivers connected financial intelligence by bringing together data from bank accounts, accounting platforms, ERP systems, and other financial tools, giving CFOs real-time visibility, control, and foresight. Beyond insights, Finmo empowers action. Through our global payments network and cash management offerings, finance teams can move money, optimize liquidity, and manage FX risk, all within a single intelligent platform. The result: businesses act faster, scale smarter, and operate with confidence in an increasingly interconnected economy. Trusted by leading enterprises and fintechs, Finmo is licensed in key markets including Singapore, Australia, New Zealand, Canada, the U.S. and the UK. We are committed to building a faster, smarter, and more resilient financial infrastructure for the digital economy. For more details, visit: [https://finmo.net](https://www.finmo.net/) Media Contact Zachary Pestana, Salween Group, Finmo@salweengroup.com Related content [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F015ddc128047298cdc7466d6447375949a5242d2-3200x1800.jpg&w=3840&q=100)\\ \\ - Press release\\ \\ **Finmo Featured in the Los Angeles Times Singapore Special Report**\\ \\ Read more](https://www.finmo.net/resources/newsroom/finmo-featured-in-the-los-angeles-times-singapore-special-report) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfe063229359528b3f89192c7ebd58cb65a710b9-3200x1800.webp&w=3840&q=100)\\ \\ - Press release\\ \\ **Finmo appoints Holly Fang as Chief Business Officer**\\ \\ Read more](https://www.finmo.net/resources/newsroom/finmo-appoints-holly-fang-as-chief-business-officer) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9538c0e4671c868d181bfc74b0b40ce586d53f27-3200x1800.webp&w=3840&q=100)\\ \\ - Press release\\ \\ **Finmo and Standard Chartered collaborate for multi-currency accounts \| streamlined global treasury**\\ \\ Read more](https://www.finmo.net/resources/newsroom/finmo-standard-chartered-multi-currency-accounts-global-treasury) ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/resources/newsroom/finmo-appoints-joana-liew-as-chief-human-resources-officer#) Reject AllAccept All