Cloud-native. API-first. AI-native.
Not retrofitted onto an older architecture. Six principles govern every product built on TreasuryFlow OS.
Architecture
Shared Data Model
One model for cash, accounts, entities, and banking relationships, reused across every product.
AI Copilot
A common copilot for investigation and forecasting, shared platform-wide, not built per product.
Integration Layer
A common connectivity layer for core banking, ERP, and SWIFT — built once, inherited by every product.
Security & Compliance
One security and deployment architecture spanning multi-tenant cloud through fully sovereign, on-premise configurations.
Security by Design
Certifications are outcomes of how the software is built, not add-ons applied to pass an audit. Regulatory and compliance requirements are treated as inputs to architecture decisions from the outset.
Regular penetration testing and vulnerability assessment
Hardware security module (HSM)-based encryption key management
Web application firewall and DDoS protection at the network edge
24×7 security monitoring and log analysis (SIEM)
Dedicated secrets management with automated credential rotation
AI Advises. Humans Decide.
AI accelerates investigation and forecasting; it never becomes the unaccountable system of record for a financial decision. Every recommendation is traceable and citation-backed — accountability stays with the treasury professional, not the model. It is built into the platform layer, shared across every product, not added as a bolt-on feature.
Cloud First
Elastic scaling and rapid capability delivery, deployable across major cloud providers — while still supporting institutions whose regulatory environment requires something other than shared public cloud.
API First
Every capability is built as an API before it is built as an interface. Supported message and data formats include ISO 20022 (camt.053/054), MT940/MT942/MT950, SFTP, REST, MQ, and CSV.
Identity: OIDC / SAML SSO, with multi-factor authentication and step-up MFA for material actions.
Deployment choice belongs to the institution, not the vendor.
Because the institution — not the vendor — is accountable to its regulator.
Compliance
SOC 2, ISO 27001, and PCI DSS certifications are restated here for a reason: they are outcomes of how the software is built, not add-ons applied to pass an audit.
What this means for your institution
A technical briefing scoped to your architecture, security, and compliance requirements — with your team on the call.
Talk to a Platform Specialist