Treasury & Liquidity Management, Built for Regulated Institutions
See your cash in real time. Move it with confidence.
ACM Treasury & Liquidity gives banks, credit unions, and corporate finance teams one real-time view of every balance, with positioning, forecasting, FX, and settlement built into the platform you own and brand.
Liquidity decisions shouldn't wait on yesterday's data
Most institutions still manage cash across disconnected core systems, correspondent accounts, spreadsheets, and overnight files. By the time positions reconcile, the decision window has closed.
ACM consolidates the full liquidity picture into a single, real-time ledger view, then layers in the controls and automation treasury teams actually need: intraday positioning, forecasting, sweeps, FX, and settlement. It runs as part of one client-owned banking platform, not another standalone tool to integrate and reconcile.
A complete treasury workbench
Everything a modern treasury function needs to see, forecast, and move money, on regulated-first infrastructure.
Real-time cash positioning
A live, consolidated view of balances across accounts, entities, and currencies, updated as transactions settle rather than overnight.
Liquidity forecasting
Forward cash projections that blend scheduled flows, historical patterns, and current positions so funding gaps surface early.
Automated sweeps & pooling
Rules-based sweeps and notional or physical pooling to concentrate idle balances and keep working capital productive.
Multi-currency FX
Real-time exchange across 200+ markets with transparent pricing, so cross-border funding and conversion happen inside the platform.
Payments & settlement
Outbound wires, ACH, and stablecoin settlement from the same console, with non-custodial options where you need them.
Limits & controls
Counterparty limits, approval workflows, and segregation of duties built in, with a full audit trail for examiners.
Bank & market connectivity
Connect correspondent accounts, payment rails, and data feeds to centralize positions instead of chasing files.
Treasury reporting
Position, exposure, and cash-flow reporting on demand, exportable for board, regulatory, and audit needs.
Built to pass institutional scrutiny
Treasury is where risk, compliance, and operations meet. ACM is engineered for that pressure.
- Regulated-first: controls, approvals, and audit trails designed for examiner-ready operations from day one.
- Post-quantum cryptography: long-lived financial records protected against "harvest now, decrypt later" exposure.
- Client-owned and white-label: your brand, your data, your platform, not a shared tenant you rent.
- One ecosystem: treasury shares a ledger with core banking, deposits, lending, payments, and tokenized assets, so positions reconcile by design.
- Agile Speed Framework: skeleton deployments get a working treasury surface in front of your team fast, then iterate.
- Ecosystem partners: integrated with the Hanzo.ai AI stack and Lux Network settlement infrastructure.
Connected to the rest of your stack
Treasury & Liquidity is one module in a complete white-label banking ecosystem. It draws balances from the core and feeds settlement back through the same rails.
Banking core
Treasury reads from the same real-time ledger that runs accounts, deposits, and lending. Explore the banking core.
Payments & settlement
Wires, ACH, FX, and stablecoin settlement move through shared rails. See payments & settlement.
Corporate treasury teams
Purpose-built workflows for corporate finance and treasury operations. See corporate treasury.
A guided walkthrough
Prefer to see it in context? Talk to our team for a walkthrough mapped to your accounts and flows.
Govern who can move money, and prove it later
Treasury is the surface where a single approval moves real funds. ACM Treasury & Liquidity makes authority explicit, enforces it on every transaction, and records it for examiners and internal audit.
Role-based payment authority
RBAC scopes who can view positions, initiate wires, release ACH, book FX, or set sweep rules, down to the account, entity, and currency. Initiators cannot self-approve their own payments.
Maker-checker approvals
Configurable approval chains and dual-control thresholds by amount, counterparty, and rail. High-value or off-pattern transfers route to additional sign-off before settlement.
SSO & identity
SAML/OIDC single sign-on with your IdP, MFA, and automated joiner-mover-leaver deprovisioning so treasury access tracks HR and risk policy, not stale local accounts.
Immutable audit trail
Every position view, limit change, approval, and settlement is logged with actor, timestamp, and before/after state, exportable for SOC 2 and examiner review and protected with post-quantum cryptography.
Hosted where your liquidity data must live
Cash positions and counterparty exposures are sensitive. ACM deploys the treasury platform to match your residency, tenancy, and integration requirements.
- Single-tenant or private: dedicated, client-owned environments with in-region data residency for balance, FX, and settlement records.
- Bank & rail connectivity: APIs and connectors to correspondent accounts, payment rails, market-data feeds, and your existing core so positions centralize without manual files.
- Compliance fit: deployed to support SOC 2, ISO 27001, PCI-DSS, and HIPAA-adjacent treasury operations, with segregation of duties enforced in the platform.
- Agile Speed Framework rollout: a working treasury surface and read-only positioning stand up first, then approvals, sweeps, and live settlement enable in controlled phases.
Ready to see your liquidity in real time?
Bring us your current treasury setup and funding challenges. We will show you what a single, owned, real-time platform looks like for your institution.
Talk to ACMFrequently asked questions
What is treasury and liquidity management software?
It is the system a financial institution or corporate finance team uses to see cash positions in real time, forecast liquidity, move and settle funds, and manage FX and risk. ACM delivers these capabilities as part of one client-owned, regulated-first banking platform rather than a separate tool to integrate.
Can ACM Treasury & Liquidity handle stablecoin and cross-border settlement?
Yes. The platform supports outbound wires, ACH, multi-currency FX across 200+ markets, and stablecoin settlement from the same console, with non-custodial options where required. It is designed to operate across traditional rails and tokenized settlement.
Is the platform white-label and owned by the institution?
Yes. ACM Treasury & Liquidity is white-label and client-owned: your brand, your data, your platform. It shares a real-time ledger with core banking, deposits, lending, and payments so positions reconcile by design.
How is it secured for regulated institutions?
It is built regulated-first, with counterparty limits, approval workflows, segregation of duties, and full audit trails for examiner-ready operations. Records are protected with post-quantum cryptography to guard against future decryption of long-lived financial data.