UNIFINplatform

Solution

Unifin Treasury

Treasury earns on decisions, and decisions need the picture of the day.
Accounts, the liquidity forecast, placements and FX hedging all run under limits.
Reconciliation and reporting close the day; limits warn, then stop.

  • Every account, every bank
  • Liquidity forecast
  • Limit control
All solutions

Live screens from the product terminals

Positions overview screen with the liquidity day Limits control screen with usage and warnings Limits control screen with usage and warnings Positions overview screen with the liquidity day Liquidity forecast screen with the coverage curve
Demo Unifin Treasury Theme Open separately
Positions overview
Positions overview

This is an interface demonstration: the real solution will differ in colours and content for a specific project.

Functions at a glance

Business functions at a glance

From position and balances to reporting.

Position and balances
Collects accounts at partner banks across all currencies
Free liquidity visible at any moment
Liquidity forecast
Builds the coverage curve with scenarios and gaps
Every gap has a cover plan
Money market
Places and raises under limits: deposits, repo, intraday credit
A better rate and working capital
FX operations
Runs spots and forwards, recalculates the hedge
Exposure closed, deviation in control
Limits and control
Keeps warning and stop thresholds, runs approvals
Nobody breaches a limit silently
Statement reconciliation
Matches camt.053 and MT940 automatically
Breaks closed on the same day
Reporting
Prepares forms and exports for audit and the regulator
The board sees facts, the audit walks the trail

What runs today

The treasury picture, already running

Every account, every bank: the live picture.

Positions

Balances per bank and account are in one view.

Forecast

The liquidity forecast runs for the day.

Money market

Placements and money market deals are part of the desk.

FX

FX operations and hedging run under limits.

Limits

Limits warn, then stop the operation.

Roadmap

ALM and FTP stay out of scope.

Solution description

Capabilities and overview

Key features

  • Position across accounts at partner banks in all currencies
  • Liquidity forecast: the coverage curve and gaps
  • Money market: deposits, repo, intraday credit under limits
  • FX operations: spots and forwards with hedge recalculation
  • Limits with warning and stop thresholds
  • Operation approvals: four eyes per trade
  • Statement reconciliation: camt.053 and MT940 automatically
  • Audit and regulator reporting from a single source
  • Notifications about gaps, limits and deadlines
  • Roles of treasury, dealers and controllers
  • Journal and audit for every operation
  • Deployment: by configuration, within the UniFin platform

Product overview

Unifin Treasury is the UniFin platform treasury workstation for corporations, banks and funds.

The suite collects the position across accounts, builds the liquidity forecast, and runs placements, funding and FX hedging under limits.

Statement reconciliation and reporting close the day: discrepancies go to control, not to a queue.

Limits work by thresholds: a warning is recorded, a stop halts the operation until approval.

The solution runs standalone or as part of the UniFin platform and connects to banks through statement and payment channels.

Related solutions

Unifin Payment Bank

The money side of the market: participant accounts, payment queue, DvP money legs, clearing settlements and treasury.

Unifin Swaps

The OTC swap suite: RFQ execution with three dealers, T+0 confirmations, CSA collateral, compression and repository reporting.

Unifin Trade

An OMS for all assets: orders and smart order routing across 14 venues, currency pairs, the consolidated book, execution and TCA.

What it delivers

What the solution delivers

Position and balances

Balances at different banks are usually reconciled in spreadsheets, and free liquidity shows up late. The solution collects the accounts across all currencies into one picture and shows the free amounts net of blocks. With the solution the money is visible in the moment, and no extra cash stays on the accounts. In setup a new bank connects through a connector, and the account and currency reference data is kept without code changes.

Liquidity forecast

A liquidity gap usually shows up when the payment is already at the door. The solution builds the coverage curve with scenarios and flags the gap in advance, with a cover plan on every gap. With the solution gaps close early, and emergency funding costs less. In setup the scenarios and assumptions come as reference data, and every recalculation stays in the journal with a version.

Money market

Bank rates are usually collected by phone and mail, and every placement takes manual approval. The solution runs deposits, CCP repo and intraday credit under limits and shows the available terms by counterparty. With the solution free cash earns, and funding costs less. In setup the maturity ladder and the rate history by counterparty are visible, and limits and thresholds are set in configuration.

FX operations

FX exposure is usually tracked in spreadsheets, and the hedge lags behind the trades by a day or more. The solution recalculates the exposure after every trade and refreshes the hedge right away, keeping the deviation inside the limit. With the solution no margin is lost to rate moves between the trade and the hedge. In setup the open positions, rates and recalculation history are visible, and the pairs and the deviation limit are configured per segment.

Limits and control

Limits usually come to mind after a trade, when the breach has already happened. The solution checks limits before execution, warns at the threshold and stops for approval, and every change goes through four eyes. With the solution risk stays within the limits, and incidents are not unpicked after the fact. In setup the decision journal with author and ground is visible, and thresholds come from the setup.

Statement reconciliation

Statements are usually taken apart by hand, and breaks pile up towards month end. The solution matches camt.053 and MT940 automatically and leaves only exceptions to a person. With the solution the day closes without rush, and errors are visible the same day. In setup the reconciliation history and the matching rules are visible, and the bank reference data is maintained without code changes.

Reporting

Audit and regulator forms are usually assembled from separate extracts, and every version needs its own reconciliation. The solution prepares the forms and extracts from one data model, with history and preparation trails. With the solution audit requests are answered faster, without unplanned load on the team. In setup any report is reproduced with the same figures, and the form scope and the schedule are part of the configuration.

Coverage

What it covers

One route: balance, position, forecast, deal under limit.

Position and balances

Accounts across working currencies; available amounts, blocks and overdrafts in real time.

Forecast

The payment calendar, contracts and seasonality; a horizon, scenarios, gaps and cover plans.

Money market

Deposits, CCP repo and intraday credit; partner quotes and the maturity ladder.

FX operations

Spots, forwards and cross conversions; the exposure hedge and the deviation limit.

Limits and control

Limits with warning and stop thresholds, a decision journal and a risk route.

Reconciliation and reporting

camt.053 and MT940 with automatic matching, reporting forms and audit exports.

Notifications

Limit warnings to the treasurer and the risk manager; confirmations to both sides.

Journal and audit

Deals, limits and approvals kept in the event journal with author and ground.

Stand

Screens of the solution

The positions overview, the liquidity forecast and the limit control.

Positions overview screen with the liquidity day
Positions overview: the liquidity day, the currency structure and the event journal
Liquidity forecast screen with the coverage curve
Liquidity forecast: the coverage curve, gaps and cover plans
Limits control screen with usage and warnings
Limits and control: usage, warnings and the approval journal

How it works

From a balance to a report in five steps

One liquidity day: the position, the forecast, the deals, the report.

  1. 1

    The position is consolidated

    Accounts and currencies in one place: free liquidity net of blocks.

  2. 2

    The forecast builds

    The coverage curve recalculates; a gap appears with a cover plan.

  3. 3

    Deals run under limits

    Quotes come from partner banks; the placement runs within the limit.

  4. 4

    Limits and controls speak

    A warning and a stop by threshold; manual actions take approval.

  5. 5

    The day closes

    Statements match automatically; the day report is signed.

Industries

Industries it serves

The suite serves corporations and groups of companies, banks and brokers, asset managers and funds, and payment infrastructure operators.

Exchange / venue

Trading, supervision, market data and post-trade on one governed core, launched by configuration.

Asset manager / fund

Analytics, indices and hedging instruments for portfolio and research teams.

Corporate / issuer

Market access for producers and issuers: auctions, deliveries, tokenised assets and data.

Fintech / data

Data products, AI services and API-first access to build on the platform.

Architecture

Architecture and access

The treasury core: bank connectors, forecast, deals, limits and reporting.

Service suite

The treasury portal and six windows, BFF, bank connectors, forecast engine, money market and limits.

External suites stay external

Partner banks, the repo CCP and the ERP connect as connectors; their responsibility is not duplicated.

Multi-region and DR

Active-active read, a DR region for Tier-0, clusters Active-Passive/Active-Active and database replication.

Extend without touching the core

A new bank, instrument or pair joins through a connector: the core stays still.

AI layer

The AI layer drafts the liquidity note and highlights anomalies; people approve every deal and limit change.

Architecture scheme The same architecture as a standalone page. Open the diagram separately

Readiness

Ready today, next in line

Next: group cash pooling and ERP integration; the base is in place.

Ready today

  • The position across accounts at partner banks refreshed in real time
  • The liquidity forecast with scenarios, gaps and cover plans
  • Money market deals and FX conversions under counterparty limits
  • Statement reconciliation camt.053/MT940 and reporting forms

Next in line

  • Group-wide cash pooling across legal entities
  • A deeper ERP integration for entries and reconciliations
  • More bank connectors and host-to-host channels (roadmap)

Releases

Release history

Quarterly releases from the foundation of the platform (2020); the treasury suite launched in 2026.

2026 Q1

  • Position and reconciliation: accounts at partner banks and camt.053 statement matching.

2026 Q2

  • The coverage forecast with scenarios; limits with thresholds and four eyes on changes.

2026 Q3

  • Liquidity pooling and the FX circuit: swaps and forwards under limits.

2026 Q4

  • Group cash pooling and ERP deep integration (plan).

Detailed description

Detailed description

The module map, the forecast rules and the delivery frame.

How the suite is assembled

Channels and clients
FIX 4.2 / 4.4 / 5.0, REST with mTLS, SFTP files, web portals
Edge and access
API gateway with 126 routes, Keycloak single sign-on, WAF and CSP
Platform core services
treasury-ms payment-ms risk-ms reporting-ms AI agentic layer Services of the suite on the shared platform core
Data and events
PostgreSQL 17 per service, Redis 7, RabbitMQ 3.13 quorum queues, transactional outbox
Results and reporting
Portals, reports, regulator and partner channels

Technology stack

Runtime and backend: Java 21 (LTS), Spring Boot 3.5.16, Spring Cloud 2025.0.3, Gradle, Flyway 10.15.

Data: PostgreSQL 17, Redis 7 with Sentinel, RabbitMQ 3.13 with the transactional outbox.

Bank formats: camt.053, MT940, pain.001 and host-to-host channels; OpenAPI for every service.

Portals: Next.js 16.3.3, React 19, TypeScript 5; Onest typography and two themes; Keycloak 26.1 for OIDC sign-in.

Delivery: Kubernetes and Helm, Vault secrets, Prometheus and Grafana, Docker Compose for pilots.

Evidence by default: deals, limits, approvals, statements and exports are journaled for five years.

Position and balances

  • 34 accounts at 12 banks in four currencies; the position refreshes every 30 seconds, and USD 24.6 bn of free liquidity is visible net of USD 3.1 bn blocked.
  • Balances, available amounts and overdrafts per bank; the sweep between accounts levels the pools.
  • camt.053 and MT940 statements match automatically at 94%; the remaining 2.1% go to a review that closes in 25 minutes.
  • The opening position of the sample day is USD 118.4 bn with every obligation covered.

Liquidity forecast

  • A 14-day horizon recalculated at 06:30 and 18:00; the payment calendar, contracts and seasonality feed it.
  • Accuracy is 96.4% against the day-close actuals; base, stress and optimistic scenarios are kept side by side.
  • A USD 420 m gap in 9 days is closed by a USD 450 m plan, leaving USD 30 m of headroom and 141% coverage.
  • Every gap keeps its cause and plan; execution is tracked until the coverage returns to normal.

Money market

  • Deposits, CCP repo and intraday credit: 18 deals a day at an average size of USD 420 m.
  • The placement rate is 14.2% against 12.8% funding, a 140 bp spread; the USD 7.4 bn portfolio earns USD 2.8 m a day.
  • The maturity ladder keeps 46% overnight, 28% within a week, 18% within a month and 8% within three months.
  • A manual deal takes a second approval; every placement is journaled with its rate and term.

FX operations

  • 11 pairs, spots, forwards and cross conversions; the monthly turnover is USD 620 m.
  • The open exposure is USD 18.4 m against a USD 25 m limit; the hedge covers 78% of exposure.
  • A USD 2.5 m conversion at 486.20 covered an import contract; 97% of the amount was locked to the plan rate.
  • The deviation from the plan rate is 0.4% against a 1.5% threshold, and it goes into the CFO report.

Architecture

  • Built from the platform core: treasury-ms, payment-ms, risk-ms and the reporting suite behind a portal BFF.
  • The portal BFF keeps roles, routing and audit; a window knows only its own /api/v1 calls.
  • Banks, the central counterparty, the ERP and the auditor connect as connectors and reconciliations.
  • Scaling adds nodes: Patroni, RabbitMQ quorum queues and Redis clusters; stateless services run in three zones.
Detailed description

Leave your contacts to open the detailed description and download the PDF with architecture, cases and delivery details.

Ask about the treasury suite

Bring one liquidity day. We will show the path from the position to the report and from a limit warning to an approved change.