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About us

Cobase is a leading technology provider that helps organizations take control of their banking, payments, and treasury operations. Our multi-bank Treasury platform was designed from the ground up to eliminate the inefficiencies of fragmented corporate banking infrastructures. By unifying essential financial processes into one platform.

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We bring you

Visibility, control & efficiency

Founded in 2016, Cobase combines banking, treasury, and software expertise to streamline financial operations. Cobase is part of Corpay Cross-Border Solutions, the global payments and currency risk management division of Corpay, Inc. (NYSE: CPAY).

We support 5,000+ users across 90+ countries, serving corporates, financial institutions, and private market clients worldwide.

Our purpose

To simplify and centralize banking and treasury operations. Removing friction, increasing control, and enabling finance professionals to focus on strategic value.

Built for modern finance teams

The Cobase platform was built from the ground up to overcome the inefficiencies of fragmented banking infrastructures. By consolidating key processes like payments, cash management, and FX into a single interface, Cobase gives CFOs, finance directors, and treasurers real-time visibility and control across all their financial activities.

From banking innovation to independent growth

Founded in 2016 and incubated within ING Bank, Cobase combines deep expertise in banking, treasury, and enterprise software. Our founding team recognized early on that legacy systems no longer met the needs of modern finance teams. Today, Cobase continues to lead the evolution of treasury technology, delivering solutions that reduce complexity and enhance operational resilience.

Global reach, sector-wide impact

Cobase supports clients in over 90 countries, serving more than 5,000 end-users across a wide range of sectors. From logistics and manufacturing to private equity and healthcare. Cobase joined Alpha Group International in 2023, strengthening its global footprint as part of a London-listed financial services organization.

What makes us different

  • One platform for all your banks, accounts, payments, and liquidity.
  • Modular design that fits both centralized and decentralized finance functions.
  • Real-time visibility across banks and entities, globally.
  • Proven integrations with ERPs such as SAP, Microsoft Dynamics and Oracle.
  • Security and compliance embedded throughout every process.

Enterprise-grade security and compliance

Security is at the core of everything we do. Cobase is ISO/IEC 27001 certified and fully GDPR compliant. We are also SOC 2 Type II certified, ensuring that our internal controls meet rigorous standards for security, availability, and confidentiality. Our platform undergoes regular third-party penetration testing, security audits, and strict change management procedures. We follow industry best practices in data encryption, access control, and secure API communication to protect sensitive financial information.

We support secure communication protocols such as SWIFT FIN/FileAct, host-to-host (SFTP) EBICS and Premiums APIs. Role-based access control, full audit trails, and multi-factor authentication ensure your users operate within a tightly controlled environment. Security is continuously monitored and enhanced in line with evolving threats and compliance standards.

Our platform

Cobase combines the functionality of a payment hub, cash management tool, and service bureau into a secure and modular environment:

  • Multi-bank connectivity via SWIFT, host-to-host, EBICS, and premium APIs
  • Centralized payment initiation, approval, and tracking
  • Real-time cash visibility and forecasting
  • In-house banking and cash pooling
  • FX execution and integrated rate feeds
  • Seamless ERP integration and reconciliation

Our journey

2016

Founded

Company founded. Joins ING Bank accelerator program.
2017

ING early investor

ING joins as early investor and shareholder, reinforcing strategic alignment and long-term commitment.
2018

Commercial launch

The Payment Hub is launched as multi-bank payments and cash management solution for corporate clients.
2019

Foreign exchange & In-house banking

Treasury modules introduced, including FX and In-house Banking, enhancing financial control and efficiency.
2020

Crédit Agricole and Nordea

Crédit Agricole and Nordea join as shareholders to further accelerate growth.
2021

Forecasting and cash pooling

Platform expansion with Forecasting and Balance Optimisation, enabling proactive cash flow management, multi-bank funding and sweeping, cash concentration and usage.
2022

Expansion into new ecosystems

Entered new ecosystems through broader ERP and financial systems integrations.
2023

Alpha Group

Cobase joined Alpha Group, marking a new chapter of international scale and growth.
2024

Next gen Treasury capabilities

Introducing next-generation Treasury functionalities, driving full automation, real-time visibility and liquidity management, enabling higher operational and financial efficiency.
2025

Strategic growth

Deepening integrations with Institutional organizations and Private Markets, further expansion of global bank coverage and connections with non-bank providers
2025

Corpay

Alpha and Cobase joined Corpay Cross-Border Solutions, the global payments and currency risk management division of Corpay, Inc. (NYSE: CPAY).

A word from our CEO and founder

Jorge Schafraad

"At Cobase, we continue to evolve expanding our bank connectivity, enhancing automation, and delivering intelligent tools that empower CFOs, finance teams, and treasury professionals with real-time control and insight. Our goal has always been to reduce complexity and give finance leaders the visibility and confidence they need to act decisively.

With a strong foundation in enterprise-grade security, trusted technology partners, and the ambition to challenge outdated banking structures, we are proud to support thousands of users globally in navigating their financial operations more efficiently. The road ahead is exciting, and we remain fully committed to simplifying treasury for every client we serve."

– Jorge Schafraad, CEO and founder of Cobase
We’re dedicated to making multi-bank treasury management simpler, smarter, and more scalable.

 

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Interested?

Manage all your bank accounts centrally with Cobase

Simplify your cash management and save valuable time. One platform, complete control over all your financial flows.
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