Today’s corporate treasury professionals are under extraordinary pressure as financial transactions flow seamlessly across borders and multiple currencies. Liquidity management across global operations has evolved from a back-office duty to a strategic imperative that shapes growth, risk mitigation, and organizational resilience.
Exchange rates are constantly shifting. Banking relationships are often fragmented across regions. Regulations differ from one market to the next. And through it all, treasury teams are expected to keep the business liquid, agile, and investment-ready. That’s why effective multi-currency liquidity management has become essential—not just a nice-to-have.
But let’s be honest: this goes far beyond moving money from point A to point B. It’s about using every euro, dollar, or yen in the smartest way possible—across all entities and regions. When done right, it helps unlock trapped cash, reduce exposure to FX swings, and give decision-makers the visibility they need to act fast and plan ahead.
So what are the best-in-class strategies treasury teams are using to stay in control? And how does Cobase help put those strategies into practice—without adding operational complexity?
Let’s break it down.
The challenge: In global organizations, cash is often spread across numerous accounts, banks, and regions. Without a consolidated, real-time view, finance teams risk holding idle cash in some areas while facing shortages in others—leading to inefficiencies and potential liquidity crises.
Best-in-class approach: Centralize cash visibility by integrating all bank accounts, currencies, and entities into one platform. This eliminates reliance on delayed spreadsheets and fragmented reporting, giving treasurers the insights to proactively manage liquidity and forecast cash flow.
Cobase advantage: Cobase consolidates balances across all bank accounts and regions, providing real-time insights through a unified dashboard. Treasurers gain access to actionable data for better planning, FX management, and investment decisions—without switching between multiple systems.
The challenge: Many organizations leave capital restricted in local accounts, incurring opportunity costs while other units rely on external borrowing. This leads to higher financing costs and missed strategic opportunities.
What works: Structured multi-currency cash pooling allows businesses to internally balance cash surpluses and deficits, minimizing unnecessary FX conversions and reliance on third-party credit. Leading teams tailor pooling models to fit their operational footprint and legal environment.
Cobase advantage: With Cobase, treasurers can set up and manage physical pooling structures seamlessly. The platform enables internal transfers, visualizes pooled positions, and supports real-time decision-making—all integrated with your payment and FX workflows.
The challenge: Currency conversion processes are often fragmented, manual, and reactive. This exposes businesses to avoidable costs, execution risks, and market volatility.
Winning strategies: Automate FX transactions based on rules and thresholds, consolidate internal flows to reduce conversions, and deploy hedging instruments like forwards to manage predictable exposures.
Cobase advantage: FX risk management is embedded into the Cobase platform, enabling automated conversions, continuous exposure monitoring, and direct execution of spot and forward contracts. This removes complexity and enables a proactive currency risk strategy.
Temenos, a global banking software provider, was managing hundreds of bank accounts across dozens of countries—making day-to-day treasury operations increasingly complex. After moving to a regional banking model, the need for better visibility and automation became clear. By adopting Cobase, the treasury team gained a single platform to manage payments, FX, and cash positions in near real-time. This removed the need for manual processes, tokens, and spreadsheets, saving the team valuable time and effort. With better control, smoother workflows, and a straightforward implementation process, Cobase has become a key part of how Temenos runs its treasury today.
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The challenge: Manual treasury operations create delays, increase risk, and limit scalability. Reconciliation, reporting, and intercompany funding often suffer from fragmented tools and duplicate processes.
Proven approach: Automate essential workflows such as cash positioning, payment approvals, and internal transfers. Use real-time data to enhance accuracy and responsiveness, freeing the team to focus on higher-value activities.
Cobase advantage: Cobase connects payment execution, forecasting, reconciliation, and FX into a single workflow. Teams eliminate redundant steps and reduce operational risks, gaining speed and control across the board.
The challenge: Static forecasts that overlook FX dynamics fail to prepare businesses for shifting market conditions. Without real-time updates or scenario modeling, treasury decisions may be based on outdated or incomplete data.
Smart forecasting: Leading treasurers integrate FX exposure directly into liquidity models, running simulations to plan for currency volatility. These forecasts adapt as market data changes, offering greater confidence in funding and investment decisions.
Cobase advantage: Cobase enables dynamic forecasting with real-time data feeds, embedded FX scenarios, and simulation tools. Treasury teams can model impacts of exchange rate fluctuations and pivot strategies with clarity and speed.
The challenge: A complex web of banking partners can lead to inconsistent processes, while over-centralization risks impairing local capabilities critical for compliance and operations.
Balanced strategy: Optimize banking networks by consolidating accounts strategically, while maintaining essential local access. Use technology to standardize workflows across banks, enhancing control without losing flexibility.
Cobase advantage: Cobase centralizes interactions with all banks, whether global or local. Treasurers can manage payments, access balances, and standardize reporting formats within one secure interface—streamlining oversight while empowering local teams.
The challenge: Regulatory requirements vary globally, and compliance missteps can lead to costly audits, penalties, or disrupted operations. Manual processes increase exposure to oversight gaps.
Integrated compliance: High-performing teams build governance directly into their workflows—from transaction approvals to audit trails. This reduces friction while ensuring consistency across jurisdictions.
Cobase advantage: Cobase includes configurable rules, approval workflows, and audit logs to enforce compliance automatically. Treasurers stay in control, with full visibility and traceability over every transaction and internal transfer.
Managing liquidity across multiple currencies is no longer just about ticking operational boxes—it’s about enabling the business to move with confidence, even in uncertain conditions. When treasury teams can clearly see where their cash is, move it quickly across borders, and manage risk without getting lost in complexity, they shift from being reactive problem-solvers to proactive business partners.
That’s where the real value lies. Cobase helps make this shift possible—by simplifying the messy parts, bringing everything into one clear view, and giving treasurers the control and insight they need. It’s not just about managing liquidity better. It’s about giving finance teams the tools to drive smarter decisions, free up capital, and keep the business moving forward—no matter what.
If your organization is juggling multiple currencies, bank accounts, and regions, Cobase helps bring clarity to the chaos. We connect all your banks—local and global—into a single platform, so you can see your full cash position in real time, automate routine treasury tasks, and manage liquidity with greater control and confidence. Whether you need to streamline payments, improve FX handling, enable cash pooling, or stay compliant across jurisdictions, Cobase gives your treasury team the visibility, efficiency, and flexibility to support smarter decisions every day. It’s not just about simplifying complexity—it’s about helping your business move faster, reduce costs, and unlock working capital that might otherwise stay trapped. Let’s explore how Cobase can help turn your liquidity management into a real strategic advantage.
1. How does Cobase help with visibility across multi-currency accounts?
Cobase connects directly to all your domestic and international bank accounts—regardless of bank or geography—through one centralized platform. You get real-time visibility into balances, cash positions, and transactions, with consolidated and currency-specific views that support better liquidity decisions.
2. Can Cobase support multi-currency cash pooling and internal transfers?
Yes. Cobase enables treasury teams to execute intercompany transfers and support physical pooling structures. Our platform helps optimize liquidity allocation, reduce external borrowing, and manage idle cash more effectively, all while maintaining full control and auditability.
3. How does Cobase handle FX conversions and exposure management?
Cobase allows you to automate FX conversions based on pre-defined thresholds and rules, reducing manual intervention and execution delays. You can also integrate FX hedging strategies to manage currency risk, improve pricing transparency, and reduce unnecessary conversions.
4. Is Cobase suitable for companies operating in multiple regulatory jurisdictions?
Absolutely. Cobase is built with compliance in mind. Our platform supports complex approval workflows, local regulatory constraints, and audit trails across all transactions. You retain global oversight while respecting regional rules and internal governance policies.
5. What kind of automation does Cobase offer for treasury operations?
Cobase automates key treasury functions including payments, currency conversions, intra-group funding, cash positioning, and reconciliation. This reduces operational risk, improves accuracy, and frees your team to focus on strategic tasks instead of repetitive manual work.