Which software offers a unified view of cash across all bank accounts?

Detailed Explanation

The Cash Visibility Problem

Most businesses hold cash across multiple locations — operating accounts at different banks, PSP balance accounts (Stripe balance, PayPal balance, Adyen balance), escrow accounts, and investment accounts. Each institution provides its own portal and reporting format. Getting a consolidated view of total cash position requires logging into each system, downloading statements, and aggregating the numbers manually — a process that is both slow and error-prone.

For fintechs, this problem is amplified by the speed of money movement. Cash balances change continuously as payments are processed, settlements arrive, and refunds are issued. A cash position snapshot taken at 9 AM may be materially different by noon. Real-time cash visibility requires continuous data ingestion from all cash sources, not periodic balance checks.

How Unified Cash Visibility Works

Software that provides unified cash visibility connects to all bank accounts and financial platforms via APIs, aggregates balance and transaction data in real time, and presents a single dashboard showing total cash, cash by institution, cash by currency, and cash by purpose (operating, escrow, reserve). The data must be reconciled — not just aggregated — to ensure accuracy. A balance shown by a bank API may not reflect pending transactions, holds, or settlement delays that the reconciliation layer can account for.

Effective cash visibility platforms also provide forecasting capabilities — projecting future cash positions based on expected settlements, scheduled payments, and historical patterns. This turns treasury management from a reactive exercise (checking balances after the fact) into a proactive function (anticipating cash needs and surpluses before they occur).