Today we’re launching the Nilus Agent Fabric - the agentic system replacing the work treasury teams have done manually for 30 years.
For far too long, corporate treasury has operated the same way.
Build the morning cash position. Reconcile yesterday’s bank activity to the GL. Run the payment batch. Check covenant headroom. Update the 13-week forecast. Pull a bank fee analysis when the CFO asks. Assemble the board pack at month-end.
Every workflow follows the same pattern. Log in. Export. Build. Reconcile. Send. By the time leadership has the answer, it’s already hours old - and tomorrow the whole cycle starts again.
The dashboard era gave treasury teams better visibility into all of this. It didn’t change any of it. You could see the data more clearly. You still had to do the work yourself.
That ends today.
Four eras of treasury, one shift that matters
- Excel era → Manual everything. The spreadsheet was the system.
- On-prem TMS era → Heavyweight, IT-built. Customizable, but only after months of services.
- SaaS TMS era → Cloud and modern UI. You see the data, but you adjust to the software’s workflows.
- Agentic era → Agents act. Humans govern. SaaS scale meets real customization - the platform shapes to your operation, not the other way around.
The shift from SaaS dashboards to agents is the biggest change corporate treasury has seen in a generation - and it applies to every recurring workflow in the function, not one.
Reconciliation runs overnight. Compliance certificates are pre-built when the quarter closes. Sanctions screening runs on every payment batch automatically.
The 13-week forecast updates from actual transaction data, not a quarterly spreadsheet refresh. The treasurer stops logging into fifteen bank portals every morning.
The CFO stops assembling the position and starts interrogating it. The team stops gathering data before they can analyze it. The morning starts with the answers, not the work to produce them.
We’re calling the system that delivers this shift the Nilus Agent Fabric.
Era 4’s breakthrough isn’t that AI showed up in treasury. It’s that AI and agentic foundations finally let a SaaS platform match your exact debt covenants, your industry’s cycles, your multi-entity rollups, your approval matrices - without an IT project. The treasury platform you don’t adjust to. It adjusts to you.
What the Agent Fabric is about
A pre-built agentic layer that deploys across four modules - Treasury, Accounting, Payments, and Debt - and executes the mechanical work that buries treasury judgment.
It has five components.
1. Agent Library - the pre-built catalog
A growing catalog of purpose-built agents that cover every workflow corporate treasury actually runs. The pre-built agents are organized into four categories:
- Automation agents - the operational workhorse. Auto-tag transactions, reconcile bank records, monitor payments, enforce approval workflows, push feeds to your ERP. Run continuously in the background.
- Reporting agents - the recurring outputs leadership expects. Daily cash positions, board packages, weekly intelligence briefs, compliance certificates. Compiled and delivered on a schedule.
- Analysis agents - the diagnostic work your team would do if the operational load ever let them. Variance root-cause, anomaly detection, DSO trend analysis, fraud and BEC detection, refi modeling. Every recommendation comes with rationale. On demand.
- Prediction agents - the forward-looking layer. 13-week rolling forecasts from actual transaction data, covenant headroom projections, payment timing optimization, FX exposure modeling. Every prediction comes with driver attribution.
2. Agent Builder - for the workflows you can’t find off the shelf
When the Library doesn’t have what you need, the Builder lets your team create new agents and agentic workflows. The Fabric grows based on what you tell us.
3. Agent Scheduler - for the reports that depended on someone remembering
Set the daily liquidity report to run at 7:30am and it runs. Every morning. Without a missed day because someone is traveling.
4. Workflow Manager - for the processes that need to work together
Compose individual agents into multi-step workflows. Set the sequence, define the handoffs, specify the triggers, and chain workflows so the output of one automatically kicks off the next.
5. Report Builder
Produces every report your team needs, formatted exactly the way you need it, for every audience that needs it.
Every execution - pre-built, custom, or scheduled - is governed by the Nilus Assurance Layer: four-eyes approvals, segregation of duties, full audit lineage, driver attribution, and reversibility on every action. Aligned with NIST AI RMF, ISO/IEC 42001, and SOC 2 Type II - built for the way your auditors and your lenders already think.
This is what we mean by decisions you can defend, actions you can audit.
The Fabric is deterministic where it matters and probabilistic where it helps. Approval routing, sanctions screening, payment file generation, and policy enforcement run on deterministic logic - the same answer, every time, every audit. Reconciliation across messy memos, anomaly detection, variance narration, and natural-language CFO answers run on LLMs, with the audit trail preserved. This is how Nilus delivers assurance-grade AI - not a chatbot bolted onto your ERP.
What changes in practice
The numbers across customers today ($4B+ in cash managed, 2M+ transactions/month, 20K+ bank and ERP integrations) tell part of the story:
- 95–99% auto-match rates on bank reconciliation
- 85% reduction in reconciliation time
- 30%+ improvement in 13-week forecast accuracy
- $1–2M in idle cash unlocked - for teams who knew the money was there but couldn’t get it moved fast enough
Why the Agent Fabric is the right bet
The qualitative shift matters more, and it cuts across every part of treasury work - cash positioning, reconciliation, payments, debt, forecasting, compliance. Covenant headroom is visible six weeks out, not six days. The 13-week forecast carries driver attribution the board can defend. Treasury teams stop operating and start governing. The CFO stops assembling and starts interrogating.
AI doesn’t replace treasury judgment - it removes everything blocking it.
Execution agents - for payment initiation, cash rebalancing, intercompany transfers, and full ERP sync - are coming next. The Payments and Debt modules will expand. And the agent catalog will keep growing, shaped directly by the finance teams using it every day.
If you can’t find a workflow you need, hit Suggest an Agent inside the platform. The best ideas in our roadmap have come from our customers - by design.
The shift, in one line
Excel → Dashboards → Agents.
Manual everything → See the data, still do the work → Agents act. Humans govern.
The Agent Fabric is how that shift arrives - as a working system you can deploy against your live data and see results in days, not months.
If you want to see it, request a Proof Demo. Connect your real bank accounts. 24 hours: position, recon, idle cash, covenant headroom. No sandbox. No slide deck. Just your data.
