Best 6 AI-powered Treasury Platforms for 2025

What Are AI-Powered Treasury Platforms?

Traditional treasury management systems (TMS) have long been the backbone of corporate finance, centralizing cash, payments, and risk. But most of them were built for a world where batch updates and manual reconciliations were the norm.

AI-powered treasury platforms are the next generation. They connect directly to banks, ERPs, and payment systems to deliver real-time cash data, then apply machine learning to make that data useful. Instead of just showing yesterday’s balance, these platforms forecast what tomorrow looks like, highlight risks before they escalate, and recommend actions to optimize liquidity.

In short: where legacy systems act as a record-keeping tool, AI-powered platforms act as a decision-making partner.

Why Finance Teams Are Adopting AI in Treasury

The role of treasury has shifted. CFOs and treasury managers are no longer just gatekeepers of cash, they’re expected to guide strategy with speed and precision. That expectation is running headfirst into a set of challenges:

• More complexity: Multiple banks, currencies, and entities make reconciliation a constant battle.
• Faster decision windows: Executives expect real-time answers, not end-of-month reports.
• Higher stakes: With volatile markets and tighter capital, liquidity mistakes can be costly.

AI helps finance teams meet these challenges by:

• Automating manual work like reconciliations and variance analysis.
• Surfacing anomalies (like late receivables or early debits) before they throw forecasts off track.
• Running scenario simulations in seconds instead of hours.
• Learning from historical patterns to improve forecast accuracy over time.

This is why adoption is accelerating. AI isn’t just a buzzword, it’s quickly becoming the default expectation for treasury platforms.

Key Features to Look for in AI-Driven Treasury Solutions

Not all treasury management software is created equal. Many platforms promise visibility, but only a few deliver the automation and intelligence finance teams need to act with confidence. If you’re evaluating solutions, here are the features that matter most:

• Real-time dashboards: Static reports aren’t enough anymore. AI-driven platforms pull live data from banks, ERPs, and payment providers to give treasury teams a consolidated, always-updated view of liquidity.
• Liquidity forecasting: AI algorithms analyze historical inflows, outflows, and payment behaviors to project future cash positions with more accuracy than manual models. Rolling forecasts keep outlooks fresh as new data comes in.
• Anomaly detection: Instead of discovering problems after the fact, AI flags irregularities, like unexpected vendor payments, delayed receivables, or cash dips, so teams can intervene before they become crises.
• Bank connectivity: Direct APIs into banking partners eliminate the need for manual uploads or file transfers. This connectivity makes it possible to reconcile balances across dozens of banks in seconds.
• Scenario planning & automation tools: “What if collections slow by 15% next quarter?” “What if we delay CapEx?” AI-enabled platforms can model these scenarios instantly and even recommend actions like sweeps or reallocations.

These features mark the difference between software that reports cash and platforms that actively help you manage it.

Best AI-Powered Treasury Platforms in 2025

1. Nilus

Nilus is built for treasury teams that want real-time visibility and AI-driven forecasting without the heavy lift of a legacy TMS. It connects directly to banks, ERPs, and payment platforms, automatically consolidating balances across entities and currencies. What sets Nilus apart is its intelligence layer: machine learning models that not only forecast future positions but also flag anomalies and recommend liquidity moves. Finance leaders use Nilus to shift from reactive cash reporting to proactive decision-making, whether that’s optimizing intercompany transfers or preparing for market shifts.

2. Kyriba

Kyriba offers a comprehensive suite of modules covering cash, payments, risk, compliance, and working capital optimization. While Kyriba can be more complex to implement than newer entrants, its breadth and maturity make it a strong fit for organizations needing a central system of record for treasury.

3. HighRadius

HighRadius applies AI to AR, AP, and treasury workflows, making it a go-to for companies where working capital management is tightly linked to collections and payables. Its automation-first approach reduces manual work in reconciliations, forecasting, and cash application.

4. Nomentia

Nomentia is known for its modular and flexible approach to treasury management, with strong adoption across Europe. Businesses can deploy only the modules they need; payments, liquidity, risk, or reconciliation, making it ideal for companies that want scalability without the overhead of a full TMS.

5. Coupa Treasury (formerly BELLIN)

Coupa Treasury extends Coupa’s procurement and spend management capabilities into the treasury space. Its value lies in bridging procurement data with cash forecasting and liquidity planning. This gives organizations a clearer view of how supplier payments and commitments flow through to treasury.

6. FIS Quantum

FIS Quantum is a long-standing treasury management system widely used by global corporations. It’s recognized for its robust functionality across cash, risk, and debt management, making it a comprehensive but heavy-duty option. While implementations can be lengthy and resource-intensive, FIS Quantum is often selected by enterprises that need a highly configurable system to handle complex treasury operations at scale.

How to Choose the Right AI-Powered Treasury Platform

With so many options on the market, the “right” treasury platform really depends on your company’s size, complexity, and treasury priorities. Here’s a framework to help guide the decision:

1. Company Size & Treasury Complexity

• SMBs and mid-market companies often benefit from more agile, AI-driven tools like Nilus. These deliver forecasting and automation without the heavy lift of an enterprise TMS.
• Enterprises and multinationals usually lean toward platforms like Kyriba or FIS Quantum, which provide full treasury coverage (cash, risk, debt, compliance) at the cost of longer implementations.

2. Primary Treasury Needs

• Forecasting and liquidity planning: Nilus and HighRadius bring AI-powered forecasting front and center.
• Working capital optimization: HighRadius shines when AR/AP are the biggest cash levers.
• Procurement + treasury integration: Coupa Treasury bridges spend management with liquidity planning.
• Risk and compliance oversight: Kyriba and FIS Quantum have deep controls for highly regulated environments.

3. Regional Footprint & Bank Relationships

• Companies with complex multi-bank setups may benefit from Nilus, Nomentia, or FIS Quantum, all known for strong connectivity.
• For global organizations with multiple currencies and entities, enterprise-scale systems like Nilus or FIS Quantum are often essential.
• For regional players (especially in Europe), Nomentia offers a lighter, modular approach with robust local connectivity.

Pro tip: Don’t just look at features, consider adoption and usability. A platform with every module under the sun won’t drive ROI if your team struggles to implement or use it daily. Sometimes, the simpler platform that integrates cleanly into your existing stack delivers the biggest wins.

FAQ

What are the top benefits of using AI in treasury platforms?

AI brings forecasting accuracy, anomaly detection, and real-time insights. Instead of just reporting balances, these platforms predict liquidity needs, flag irregularities, and recommend actions, helping treasury teams move from reactive reporting to proactive decision-making that supports strategy and growth.

Are AI-powered treasury platforms suitable for SMEs?

Yes. While large enterprises use comprehensive systems, many AI-driven platforms are modular and lightweight enough for SMEs. Tools like Nilus and Nomentia scale with company size, offering real-time visibility and predictive insights without the complexity or cost of enterprise-grade treasury management systems.

How secure are AI treasury management systems?

Leading platforms prioritize security with bank-grade encryption, role-based access, and compliance with regulations like GDPR and SOC 2. Because these systems centralize sensitive cash data, vendors typically undergo rigorous audits to ensure treasury teams can trust both the accuracy and safety of their information.

Can these platforms integrate with existing ERP systems?

Yes. Most AI-powered treasury platforms are designed to connect with ERPs like SAP, Oracle NetSuite, and Microsoft Dynamics. This integration ensures cash data flows seamlessly from accounting and operations into forecasting models, reducing manual uploads and improving the accuracy of treasury reporting.

What’s the typical ROI of switching to an AI treasury solution?

ROI varies by company size and complexity, but common benefits include reduced manual workloads, faster reconciliations, more accurate forecasts, and improved working capital. Many companies see measurable returns in the form of lower borrowing costs, better investment of idle cash, and hours saved per month.

The Future of Treasury Is AI-Powered

Treasury management is no longer just about reporting balances, it’s about predicting what comes next and making smarter moves in real time. AI-powered platforms give finance leaders the tools to do exactly that, whether it’s tightening forecasts, reallocating liquidity, or managing risk across global operations.

The shift away from manual processes isn’t just about efficiency. It’s about resilience and confidence in every decision you make.

If you’re ready to see what an AI-powered treasury platform could do for your team, Nilus is built for modern finance leaders who want more than spreadsheets and static reports.

Book a free consultation and explore how real-time forecasting and automation can transform your treasury operations.