December newsletter: Finmo’s latest updates in treasury management

Here’s a wrap of what we have launched on our platform this year!

Product launches

Client portal revamp

We introduced our new client portal mid year with simplified navigation & easier workflows. Our new horizontal navigation brings your modules front and center, making access faster, smoother, and more intuitive than ever.

Market Expansion

1. Secured UK EMI license.
2. Enhanced local payment capabilities by adding EUR SEPA, Vietnamese Dong (VND), Malaysian Ringgit (MYR) for both incoming and outgoing transactions.
3. Global payouts with local speed - B2B/B2C payouts to 25 markets in 25 currencies in near real time, and send USD, GBP, or EUR to 180+ countries seamlessly.

MO AI

MO.AI is Finmo’s conversational, contextual AI assistant, built right into your dashboard. It understands finance, knows your data, and helps you get things done, instantly. No more digging through dashboards or switching tabs.

Just type a prompt, and MO handles the rest!

Whether it’s insights, actions, or answers, MO.Ai makes it all effortless.

Cards

Merchants in Singapore and Australia can now accept Visa and Mastercard directly on Finmo. This marks a significant step forward for businesses scaling across subscriptions, e-commerce, and global payments.

Why it matters for you:

• Unlock new revenue → capture one-time or recurring payments instantly.
• Subscriptions made simple → manage recurring payments effortlessly with reusable payment plans and flexible billing options.
• Boost conversions → enable 1-click checkout with secure card-on-file.
• Enterprise-grade protection → Secure Tokenization backed by PCI

Multi-bank cash visibility, cashflows & forecasting (now enhanced with multi-org too!)

Get real-time cash visibility from all your bank-accounts in one single dashboard! See your company’s cash positions in real time, across all your entities(new!), banks, accounts & currencies instantly!

In addition to seeing current or past cash balances, get a clear, unified view of your cash historical inflows/outflows and project forecasted cash flows months and quarters ahead!
Forecasting consolidates data from your bank-feeds, receivables/payables and accounting systems into one single dashboard, replacing manual spreadsheets with automated precision.

Talk to us to explore this more!

Accounts Payables & Accounts Receivable

Our new Accounts Receivable (AR) & Accounts Payable (AP) functionality lets you manage invoices and cash flows directly from your Finmo dashboard - say hello to faster collections, payouts and better visibility!

• Generate Invoices: Create and send invoices quickly and professionally
• Analytics: Track cash flows, outstanding balances, and aging
• Recurring Invoicing: Automate repeat invoices to simplify your billing cycle
• With AI-powered Optical Character Recognition (OCR), you can now upload invoices, bills, or receipts, and have the system automatically extract key details - saving time and reducing manual data entry.

Product Enahancements

Multi-org hierarchy (with auto-sweep)

Simplify multi-entity operations with seamless org switching, under one parent org with secure role-based access.

• Parent-child mapping with strict role-level permissions
• Seamless toggle between entities without separate logins
• Clear segregation of balances, users, and transactions
• Consolidated financial view across brands, regions, or units.

Optimize liquidity with rule-based wallet transfers (full, fixed, or threshold) across or within entities, ensuring operational wallets stay funded while excess balances are automatically reallocated

Confirmation of Payee (Account Verfication - include CoP and VoP)

Confirmation of Payee is live for local payouts in Australia and Europe, and is also supported across 18+ additional geographies for international payouts. This feature enables merchants to verify beneficiary bank account details before initiating a payout. Our system checks the details against partner banking networks and returns a verification status, helping merchants make informed decisions and reduce failed or misrouted payments.

Partner Portal enhancements

Analytics Dashboard

Our Partner Portal leverages Finmo's robust infrastructure to empower you in delivering streamlined global payment solutions, enhancing your clients' treasury capabilities while simplifying compliance and transaction management.

The new Analytics dashboard gives merchants a powerful real-time view of your financial operations. The module brings together cash insights, payin and payout performance, AR/AP analytics, top customers and beneficiaries all in one unified dashboard. With live data, a clean modular design, and customizable components, merchants can track money movement end-to-end, identify trends or bottlenecks instantly, and make faster, more informed decisions across their collections and payouts.

Productivity-enhancing features

Categorization and tagging

As transaction volumes grow, so does the need for clarity. Our new Categorization & Tagging feature helps you structure financial data for better analysis and reconciliation.

• Create custom tags and assign them to Customers, Beneficiaries, AR/AP, and Checkouts.
• Build structured categories with parent-child hierarchies. Import and map your Chart of Accounts (COA) directly from accounting platforms.
• Filter, analyze, and export datasets using tags, categories, or COA.

This feature brings precision and visibility to your financial operations, making reporting and reconciliation more efficient

Notifications & alerts

In today’s fast-paced financial environment, timely insights can mean the difference between a missed opportunity and a strategic win. That’s why we’re excited to launch Alerts, — a powerful suite of automated, data-driven notifications designed to help you make faster, smarter decisions for your business.

They keep you proactively informed about key financial events, risk indicators & transaction activities across your payment and treasury operations - all without having to manually monitor your dashboard daily.

Enhanced reporting

We have introduced flexible custom reporting that lets you select tables, customise fields, drag-and-drop layouts in one intuitive workspace. In addition, the recurring reporting functionality enables you to set up, manage and update recurring reports, control recipients and track all generated reports.

As we reflect on this year’s achievements, we want to take a moment to express our heartfelt gratitude to our valued merchants, and our dedicated partners. It is your collective hard work and commitment that have made our mission of building a Treasury Operating System (TOS) a reality, enabling us to empower clients with innovative financial solutions.

As we look forward to next year, we are excited about the opportunities that lie ahead and remain committed to working together to navigate the evolving landscape of finance with confidence. Together, we can continue to shape the future of finance, one innovation at a time.

Thank you for being part of the Finmo community.
Until next year,
Team Finmo