Operating money
- What it means
- Funds for near-term commitments
- Decision to make
- How much needs to remain accessible, and in which currency?
Finanzer Treasury
Know what’s available.
Decide what comes next.
See cash across currencies, upcoming commitments and funds already allocated. Plan conversions, protect operating buffers and assess surplus funds with their access conditions in view.
A healthy balance
can already have a job.
Payroll, supplier invoices and scheduled payments compete for the same cash. See pending commitments before deciding what can be converted, allocated or used for growth.
The example starts with an available business balance and shows the estimated effect of a supplier payment. Nothing has moved while approval is pending.
Arc StudioAS
CASH POSITION
Business EURAvailable€24,800.00
After releasePayment + fee
Estimated after release€23,959.20
Upcoming commitment
Linea ComponentsAwaiting final approval
€840.00Fee on release€0.80
No funds move until the payment is released.
One view.
Different access and risk.
Consolidation should help you see differences, not hide them. A currency balance, an investment and pledged collateral cannot all be treated as immediately available cash.
| Position | What it means | Decision to make |
|---|---|---|
| Operating money | Funds for near-term commitments | How much needs to remain accessible, and in which currency? |
| Stablecoin balance | Exposure to an issuer, custody setup and redemption route | Which route converts it into the money you need? |
| Earn allocation | Funds committed to an investment strategy | What risks, fees or withdrawal delays apply? |
| Pledged collateral | Assets securing a borrowing obligation | How much capacity remains after collateral requirements? |
| Borrowed funds | Available funding with a repayment obligation | When and how must it be repaid? |
Stablecoin balance
- What it means
- Exposure to an issuer, custody setup and redemption route
- Decision to make
- Which route converts it into the money you need?
Earn allocation
- What it means
- Funds committed to an investment strategy
- Decision to make
- What risks, fees or withdrawal delays apply?
Pledged collateral
- What it means
- Assets securing a borrowing obligation
- Decision to make
- How much capacity remains after collateral requirements?
Borrowed funds
- What it means
- Available funding with a repayment obligation
- Decision to make
- When and how must it be repaid?
See. Reserve.
Then allocate.
Start with operating needs. Evaluate the remaining money against your liquidity policy and the actual terms of each service.
Map the position
Review balances, pending commitments and currency exposure across the business.
Set the operating buffer
Identify the money needed for payments and contingencies. Keep access requirements explicit.
Plan conversions
Compare available routes against cost, timing, reliability and destination needs. Review the quote before execution.
Assess surplus allocations
Consider source of return, provider, fees, lockup and possible loss. Allocation to Earn is an explicit decision.
Ask what changed.
Inspect the answer.
Agent can summarize cash, identify idle balances and prepare recommendations using the records available to it. Review the information and assumptions behind a proposed move.
The displayed Agent workflow reads, recommends and prepares. It cannot approve or send funds independently. Your organization’s authority and approval process still apply.
See how Agent works
Finanzer AgentAS
Arc Studio · Business workspace
Review tomorrow’s supplier payment.
Linea Components is due tomorrow.
The payment is prepared. One approval is still needed before it can be released.LC-2048Prepared
€840.00Linea Components
Funding accountBusiness EUR
Your approvalAwaiting review
Based onInvoiceAccountPolicy
Bring the constraints
that matter to your business.
A useful treasury setup starts with your operating reality, not a headline return.
Currencies and commitments
Which currencies do you receive, what must you pay, and when? Include the payments that cannot wait.
Access and authority
Who can prepare a conversion or allocation, who approves it, and how quickly must funds be accessible?
Existing policy
Set out your cash-buffer approach, provider limits and the assets or strategies your organization permits.
The questions behind an allocation
Funds should move into a risk-bearing allocation only under an authorized product structure and your explicit instructions. The Finanzer model separates Available money from Treasury or Earn allocations.
Earn is an investment or strategy allocation with potential for loss. It has its own provider, fee and access conditions; do not treat it as protected operating cash.
Yes. Discuss scheduled conversions and liquidity rules around your recurring currency needs. Available currencies, routes and approval requirements determine the setup.
The workflow shown here stops at recommendations and preparation. A proposal is not an authorization or a completed financial action.
Build treasury around
your next obligation.
Describe your currencies, commitments and cash-access needs. Start with the decisions you need to make.