Agents do the work.
You make the calls.

Analyzes your transaction history and suggests categorization rules based on observed patterns - by institution, counterparty, and behavior. Also tags counterparties automatically based on existing data. Rules can be reviewed and confirmed before they go live, keeping you in control while eliminating the repetitive work.

Validates treasury actions against your company's policies before execution - checking payment limits, approval requirements, and compliance thresholds in real time. Runs as part of the payment initiation flow so policy validation happens automatically, not as an afterthought. Every action either clears policy or gets flagged with the specific rule it would breach.

Learns your normal payment rhythms per vendor and per customer - amounts, timing, frequency. When behavior deviates from the six-month norm for that specific relationship, you know immediately, with a plain-language explanation of what's unusual, what the historical baseline looks like, and how severe the deviation is. Most teams catch anomalies weeks late, or never.

Monitors high-value payments, applies payment controls, and flags transactions for review before they create downstream problems. Tracks payment behavior at the policy level - not just individual transactions - so unusual patterns surface quickly across the full payment flow.

When a single transaction spans multiple cost centers, vendors, or cash flow types, this agent splits it into sub-transactions with different amounts and categories - without affecting the books. It finds the original transaction, reverses it, and re-records it as multiple entries. Net impact is always $0. Supports transaction tagging and human-in-the-loop confirmation before any change is made.

Runs pre-posting checks across your transaction data - journal entry validation, data completeness, and exception lists - so nothing reaches the ERP in a broken or incomplete state. Surfaces exactly what's blocking posting readiness and why, giving the team a clear action list before the close cycle begins.

Creates new cash flow categories - inflow, outflow, or internal transfer - conversationally. Auto-infers the direction, category type, and cash flow classification (operating, investing, or financing) from the category name alone. Supports single or bulk creation, checks for exact duplicates before proceeding, and warns when a similar category already exists to prevent taxonomy drift.

Creates categorization rules that automatically tag transactions based on patterns - by counterparty, institution, amount range, or transaction type. Also suggests rules based on already-tagged transactions and learns from patterns across the platform. Once confirmed, rules apply automatically to incoming transactions, keeping your data clean without ongoing manual effort.

Imports financial instruments - including payroll, tax obligations, loan repayments, FX settlements, hedge settlements (options, forwards & collars), dividends, factoring settlements, and other expected cash movements - into Expected Items as USD outflows across their respective categories. Validates data on import, detects duplicates by Leg ID, assigns entity, and supports forecast impact view so you can see how each instrument affects your forward cash position. Also supports expiry-day exercise or cancellation decisions for FX instruments.

Runs a structured control sweep across all outgoing payments from the last 14 days, detecting anomalies and potential duplicate payments before they become problems. Each flag includes the transaction detail, the anomaly type, and the recommended next step - so the team can review and act without digging through raw payment data.

Lists the highest-value outgoing payments from the last 14 days, organized for treasury oversight. Gives the team a clear, ranked view of where significant cash has moved, making it easy to confirm that large payments were authorized, expected, and correctly categorized - without trawling through raw transaction data.

Summarizes all outgoing payments from the last seven days - by vendor, amount, category, and account - giving the team a structured weekly view of where cash has moved. Flags anything that looks unusual alongside the summary so review and investigation happen in the same workflow.

Triggers a payment initiation flow directly from within Nilus, supporting file-based, self-created, and ERP-sourced payments. Includes automatic policy validation before execution so every payment is checked against your treasury rules before it moves. Designed to close the loop between the decision to pay and the act of paying - without switching systems.

Routes funds across accounts and entities, optimizing for timing, cost, and policy compliance. Handles cash rebalancing, intercompany transfers, and scheduled payments - with configurable approval workflows and full audit trail for every routing decision.

Automatically rebalances cash across accounts to optimize liquidity positioning - moving surplus from accounts sitting above their targets into accounts running lean. Every rebalancing action is proposed first, requires approval, and creates a full audit trail.

Executes and tracks transfers between affiliated companies and subsidiaries - with full audit trail and approval workflow built in. Ensures every intercompany move is documented, policy-validated, and visible to the right people without requiring manual coordination across finance teams.

Schedules and manages recurring payments with customizable timing and rules - so regular vendor payments, payroll contributions, and recurring obligations run automatically within your treasury policy guardrails. Every scheduled payment is visible, editable, and fully auditable.

Triggers outbound communications based on treasury events - payment confirmations, approval requests, invoice information requests - so the right stakeholder hears the right thing at the right time, without someone on the team having to write and send it manually.

Sends automated requests for missing or additional invoice information directly to the relevant counterparty - triggered by gaps detected in the payment or reconciliation workflow. Every request is logged, tracked, and followed up automatically so nothing falls through the cracks.

Pushes reconciled data and journal entries back into your ERP system automatically once transactions have been processed and approved in Nilus. Eliminates the manual re-entry step that typically follows every reconciliation cycle and keeps your ERP and Nilus data aligned without a separate sync process.

Syncs financial data to accounting systems for accurate bookkeeping - pushing completed transactions, categorizations, and adjustments through automatically once approved. Keeps the accounting record current without requiring the finance team to manually bridge Nilus and the books.

Updates CRM records with current collection status and payment history automatically - so the commercial team always has an accurate picture of customer payment behavior without the treasury having to send manual updates. Closes the loop between finance and sales on collections without coordination overhead.

Writes treasury decisions and outcomes back to your ERP, accounting system, and CRM automatically - so the data in Nilus and the data in your core systems stay aligned, without manual re-entry or reconciliation after the fact.

A conversational interface where anyone on the team can ask plain-English questions over their live balance and transaction data - no SQL, no analyst required, no waiting. "What were our top 5 outflows last week?" "How does this month compare to last month?" "Which vendor had the largest payment this quarter?" "Show me all transactions over $50K in March." Returns direct answers with supporting data, tables, or charts - and suggests logical next questions to deepen the analysis.

Surfaces total cash consolidated across all subsidiaries, banks, and currencies in a single view - with breakdown by each dimension so the team can instantly see where cash is concentrated, where it's thin, and where risk signals like single-bank concentration or FX imbalance are emerging. Updates continuously from connected feeds.

Uses pattern recognition - not static rules - to detect when cash is trending toward critically low or unusually high levels before a hard limit is hit. Signals include consecutive declining balances, accelerating outflows, inflow gaps, and burn rate trajectory. Also surfaces idle cash: accounts or entities where balances sit significantly above operating needs for extended periods. Includes a cash runway table showing how long current cash will last under base, average, and conservative scenarios.

Scans all transactions for the current month, flags unusual patterns for review, and surfaces each anomaly with context - what's unusual, what the baseline looks like, and the recommended action. Runs continuously so anomalies are caught in the current period, not discovered weeks later during a review.

Tracks multi-currency positions across every entity and account in real time. When exchange rates move beyond your thresholds, you're alerted with the exposure amount, affected entities, and recommended action. Maps real-time rates against your actual positions to surface net exposure by currency pair, entity, and time horizon - not a static snapshot.

Analyzes outgoing payments to surface vendor-level patterns - total spend over time, period-over-period changes, top vendors by volume, and vendors with rapidly growing outflows. Helps identify seasonal payment patterns before they create a cash crunch and flags concentration in your outflow base before it becomes a risk.

Analyzes the full working capital cycle - cash conversion, DPO and AP strategy, DSO and collections performance - and surfaces where cash is being tied up unnecessarily. Identifies opportunities to improve payment terms, accelerate collections, and free up liquidity without changing your banking relationships.

Pulls balances from every connected account and consolidates them into a single live view - with three-month trend lines and AI-generated narrative explaining why cash moved up or down, which accounts drove changes, and how today's position compares to recent history. No portal logins. No morning flash report built by hand.

You set minimum and maximum targets at the organization, subsidiary, or account level. The agent monitors continuously and reports every metric as on target, warning, or breach - with data-driven explanations for every flag. Results are grouped into "Requiring Attention" and "On Target" so the team sees exactly what needs action without wading through raw data.

Analyzes cash pool and sweep structures across entities to identify whether liquidity is being concentrated and deployed efficiently. Surfaces imbalances, underperforming pools, and entities holding excess cash that could be swept into the central pool - giving treasury the visibility to optimize structures without a manual audit.

Analyzes how cash is distributed across banking institutions and flags when a disproportionate share is held with a single bank. Surfaces concentration risk before it becomes a board-level conversation, with a clear breakdown of exposure by institution across all entities and currencies.

Maps FX exposure based on cash balances by currency across all entities and accounts. Gives the team a live view of net currency exposure - not a static snapshot - so hedging decisions are made on current data rather than yesterday's close.

Summarizes country risk and bank risk exposure across all cash and payment flows, highlighting concentration and high-risk exposures. Surfaces the specific accounts and entities driving elevated risk so treasury can act before a concentration becomes a headline.

Monitors liquidity stress indicators and trapped cash positions continuously - surfacing policy breaches before they become board-level conversations. Tracks whether liquidity reserves, concentration limits, and policy thresholds are being respected across the organization in real time.

Checks minimum cash policy compliance across all entities continuously and flags any breaches in real time. Gives the team a live view of policy adherence without waiting for a scheduled review - so breaches are addressed before they compound.

Not every risk trips an alert. This agent analyzes historical balance and transaction data to surface behavioral shifts in liquidity - inflow and outflow timing changes, vendor concentration shifts, balance volatility trends - that fall below the threshold for a formal alert but signal something worth watching. Informational observations only, each supported by the underlying data.

Tracks incoming payment patterns by customer - declining frequency, shrinking amounts, lengthening gaps between payments - and flags when too much of your cash depends on too few sources. Monitors concentration risk continuously, so you know whether your inflow base is becoming more or less resilient over time.

Shows net cashflow trends over the last three months, highlighting periods with significant changes and identifying the categories and counterparties driving them. Separates signal from noise so the team understands whether a trend is structural or a one-off event - without running a custom analysis.

Compares cashflow between the current month and the previous month, summarizing key differences in inflows, outflows, and net position. Surfaces the specific categories and counterparties driving variances so the team understands the story behind the numbers, not just the numbers themselves.

Tracks deposit activity over the last three months and surfaces the trends driving changes - by account, entity, customer, or category. Helps the team distinguish between seasonal patterns and structural shifts in deposit behavior before they affect the cash position.

Summarizes the status of all expected items for the current month - what's arrived, what's pending, and what's at risk of not arriving on time. Gives treasury a single view of the pipeline so the team can manage cash timing proactively rather than waiting for missed items to surface.

Tracks all overdue expected items and flags them for follow-up and collection action. Surfaces each overdue item with its age, amount, counterparty, and recommended next step - so the collections process starts from a complete, prioritized list rather than a manual trawl through aging reports, giving AR teams instant visibility into collection status per customer at any point in time.

Assesses collection probability for each outstanding expected item based on historical payment behavior, counterparty patterns, and current signals. Helps the team prioritize collection efforts on the items most at risk - rather than treating every overdue item with the same urgency.

Upload your annual budget once and get an instant three-way comparison against the Nilus forecast and your actuals - giving treasury a direct line of sight between the FP&A budget and what's actually happening with cash. Parses the budget file, aligns categories automatically, and surfaces the biggest variances with root cause analysis and CFO-ready narrative - so when the forecast diverges from budget, teams catch it early enough to adjust spending, accelerate collections, or renegotiate timing with vendors before a shortfall becomes a crisis. Supports both single-month and full-year views, turning treasury into the early warning system that keeps the business on track.

Every week, agents compile opening and closing balances, total inflows and outflows, internal transfers, top transactions, week-over-week comparisons, notable threshold breaches or anomalies, and AI-generated narrative highlights - into one executive summary, ready before the week begins. The report your team used to spend 6–10 hours assembling, formatted and waiting.

Generates a ready-to-share narrative explaining cash movement versus the prior month - in clear, executive-friendly language. Covers what changed, what drove the change, and what it means for the period ahead. Board-ready from the moment it's generated, with no manual writing or formatting required.

Generates board-ready summaries automatically - variance narratives, weekly briefs, and liquidity overviews that communicate the state of cash clearly to non-treasury audiences. Every figure is sourced, every conclusion is explainable, and every report is produced without manual assembly.

Creates a board-ready summary of liquidity position, key risks, and strategic updates - structured for a non-treasury audience and ready to drop into a board pack without formatting. Covers the metrics that matter at the governance level, with plain-language narrative explaining what's changed and why.

Generates rolling cash forecasts from your actual transaction and balance data - not spreadsheet assumptions. Produces cash runway estimates under multiple scenarios, forecast by account, stress tests against adverse conditions, and variance analysis comparing forecast to actuals. Every number is traceable to its source.

Breaks down the cash forecast by individual bank account so treasury sees where cash will be at the account level where liquidity decisions actually get made - with intraday and multi-period views to plan ahead at the right level of detail.

Estimates cash runway using the current cash balance and recent net cash flow trend - under base, average, and conservative scenarios. Gives the CFO and board a clear, data-grounded answer to the question that matters most during periods of uncertainty, without building a scenario model from scratch.