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2:34 AM
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Introducing Bond Agents — working to unlock liquidity and mitigate risk.
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Treasury Management
Bond is a single, intelligent platform that acts, learns, compounds, and relentlessly drives KPI results.
Regulated
9:41
#
treasury-operations
8 members • 1 tab
BondAI14:32
Hi Marwan, I'm about to execute the North American cash pool optimization payment moving $200M from Citi to PNC. Before I proceed, is there anything I should know? Do we expect any same-day payments that require this liquidity to stay local?
Marwan14:35
Good catch. Yes, we have a $5M vendor payment scheduled for today from the Citi account. Please reduce the sweep amount to $195M to ensure we maintain sufficient liquidity.
BondAI14:36
Perfect, I've adjusted the intercompany loan to $195M. I'll send you the ICL agreement via DocuSign for your signature.
Marwan14:37
Thanks. I'll approve the payments once I've signed the ICL.
Message #treasury-operations
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IHB
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Available Balance€230,349,240.07
+ 6.23%
Liquidity Unlocked€260,773,249.71
+ 11.12%
Net Cash Flow€5,424,009.64
+ 3.12%
Revenue€18,338,147.29
+ 5.45%
Balances
Recent Transactions
From***3684To***8794
SEPA
£1,000.00Pending
From***4567To***1234
SWIFT
$15,000,000.00Pending
From***7845To***9987
SEPA
€12,000.00Pending
From***1122To***3344
ICT
€26,000.00Settled
From***5566To***7788
ICT
€1,200.00Settled
From***5566To***7788
FPS
€1,200.00Settled
From***5566To***7788
FPS
€1,200.00Settled
Accounts
| Account | Number | Type | Balance | Available Balance | Trend |
|---|---|---|---|---|---|
 | *1007 | Cash | £9,749,551.72 | £8,749,551.72 | |
 | *4533 | Cash | £5,348,992.61 | £4,177,301.74 | |
 | *9933 | Investment | $3,220,812.33 | $3,020,812.33 | |
 | *5633 | Cash | €1,220,812.33 | €1,218,812.33 |
HeadquartersCashPool
Can you optimize the @NorthAmericanCashPool?
09:15
Bond
09:16
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Smart Treasury Management
INTEGRATED INTELLIGENCE
Bond delivers everything you expect from an end-to-end treasury management system and then adds the intelligence to manage risk 24/7 and unlock trapped liquidity for new opportunities.
Trusted By Listed Enterprises
Built By The Team From
Frontier Intelligence, Brought Exactly to Where You Work
AIIntelligence
Embedded agentic intelligence — continuously unlocking liquidity, optimizing capital, and mitigating risk.
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Balance SheetHeadquarters
Connect all of your counterparties to gain a consolidated view of your balance sheet across accounts, entities, and currencies.
PaymentsPayments
Execute and automate payments, from intercompany transfers through to accounts payable, with built-in controls and approvals.
01234567891011
ExecutionDealing Room
Direct execution layer with automated pre- and post-trade processing for funds, FX, repo, and more.
Dealing Room
3/5 filledEUR/USD SpotFX
FILLEDBUY$2.4M
1.0842MMF — BlackRockFund
FILLEDSUBSCRIBE$500K
NAV 1.00GBP/USD Fwd 3MFX
WORKINGSELL$1.8M
1.2635Repo — BNP 7DRepo
FILLEDLEND$10M
5.32%USD/JPY SpotFX
PENDINGBUY$3.1M
149.823 Filled
1 Working
1 Pending
ForecastingForecast
Liquidity and capital forecasting to plan sources and uses of cash with accuracy and control.
Cash Forecast
3/7 on trackJanForecast: $4,700
ON TRACKActual: $4,600-$100
97.9%FebForecast: $3,200
ON TRACKActual: $3,198-$2
99.9%MarForecast: $3,200
MISSActual: $2,400-$800
75.0%AprForecast: $4,380
WARNINGActual: $3,708-$672
84.7%MayForecast: $5,200
WARNINGActual: $4,300-$900
82.7%JunForecast: $4,090
WARNINGActual: $3,500-$590
85.6%JulForecast: $4,490
ON TRACKActual: $4,300-$190
95.8%Avg Accuracy: 88.8%
7 periods trackedLiquidity ManagementLiquidity
Manage your liquidity through integrated cash pooling, funding planning, and investment management.
∞ Agent ⌘I
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@2 Context Boundaries
47.8%
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∞ Agent ⌘IAuto ^
Risk ManagementRisk
Identify, monitor, and mitigate interest rate, FX, liquidity, credit risk, and more with smart 24/7 checks and escalations.
Risk Controls
1 breachSLAHeadroom: £7,501,201
WARNINGExposure: £22,498,799
L1: £30,000,00075%
CFGHeadroom: £4,039,268
WARNINGExposure: £14,300,732
L1: £18,340,00078%
LGAHeadroom: -£500,000
BREACHExposure: £2,000,000
L1: £1,500,000100%
1 Breach
1 Warning
1 OK
Accounting & ReconciliationLedgers
Smart ledger that syncs financial data, applies consistent GL coding, and automates accurate accounting and reconciliation.
General Ledger
4/6 reconciledBlackRockUSD
POSTED23/01/24↑ $50,000
$1,000,000UBSEUR
PENDING23/01/24↓ $100,000
$2,000,000Goldman SachsGBP
POSTED23/01/24↑ $75,000
$1,500,000HSBCJPY
FAILED23/01/24↓ $125,000
$2,500,000State StreetUSD
POSTED23/01/24↑ $150,000
$3,000,000CitiUSD
POSTED23/01/24↑ $90,000
$1,800,0004 Posted
1 Pending
1 Failed
Bringing Treasury to Life with AI
THE MODERN WAY TO RUN YOUR TREASURY
Bond's context architecture links intelligence to data, enabling finance teams to become engines of growth.
CONTEXT ARCHITECTUREContext-Aware
All the context across all your systems and organization in one place.
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@2 Context Boundaries
47.8%
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∞ Agent ⌘IAuto ^
TREASURY UNDERSTANDINGDeep Recall
Bond delivers deep recall and expertise in treasury operations and rules.
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Optimize liquidity across @NorthAmericaCashPool
ALWAYS ON 24/7Continuous System
Real-time, always-on treasury management for a truly 24/7 operation.
EXPONENTIAL LEARNINGCompany Intelligence
AI adapts to your company’s data, improving results with each interaction.
Optimization
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2:34 AM
AGENTIC AUTOMATIONSIntelligent Workflows
Deploy agents to automate complex treasury tasks, from cash optimization to compliance.
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Trusted by Global Leaders
DON'T TAKE OUR WORD FOR IT
The AI treasury management platform trusted by Fortune 500, FTSE, and other global public-market leading companies to deliver the outcomes that matter.
"Bond saves us hours every day. Its AI identifies trapped liquidity then plans the most optimal route to generate more revenue."
Alinda Van Wyk, CFO
500 +
Accounts Connected
Massy runs treasury operations on Bond across more than 60 business units spanning retail, energy, automotive, industrial, and financial services across the Caribbean, Colombia, and the United States.
60+
Business Units
"Bond was clearly more advanced than other vendors during the RFP process and has transformed our operations with it's AI-powered solutions."
Rajiv Parmar, Treasurer
$150m
Liquidity Managed
Your Agentic AI Workforce
Deploy agentic AI to optimize liquidity, execute strategy, and monitor financial risk around the clock — delivering the outcomes that matter most to you, your team, and your organisation.
001Optimization Agent
Analyzes positions, idle cash, and funding costs — generating intercompany loan documentation, executing payments, and handling accounting.
Optimization Engine$600M+ impact
Sweep idle cash
HSBC GBP→MMF Pool
$4.2M+$12.3K yield
Reduce overdraft
Citi EUR→BNP EUR
€2.8M-$8.1K cost
Notional pool
Multi-entity→IHB
$18.5M-$23K interest
Deploy surplus
JPM USD→TD 30d
$6.0M+$27.4K yield
Rebalance FX
UBS CHF→UBS USD
CHF 3.1M-$5.2K risk
Regulated
002FX Agent
Monitors currency exposures in real time, evaluates market conditions, and executes spot, forward, and hedge trades within your risk parameters.
FX Exposure MonitorLIVE
EUR/USD1.0842
+0.12%$42.3M
GBP/USD1.2651
-0.08%$28.1M
USD/JPY149.32
+0.31%$19.7M
USD/CHF0.8734
-0.05%$12.4M
AUD/USD0.6521
+0.18%$8.9M
003Reconciliation Agent
Matches transactions across banks, ERPs, and internal ledgers automatically — flagging exceptions for human review only when needed.
Auto-Match Engine1,247 / 1,250
HSBC Statement→ERP Ledger
$124,500.00matched
UBS MT940→SAP Entry
$87,230.50matched
Citi Wire→Oracle AP
$456,000.00exception
BNP Credit→NetSuite
$23,100.75matched
JPM Debit→SAP Entry
$312,400.00pending
004Payments Agent
Processes, validates, and executes payments across all rails — SWIFT, SEPA, ACH — with built-in fraud detection and multi-level approvals.
Payment Queue37 pending
PAY-7821
Siemens AGSWIFT
$2.4Mexecuting
PAY-7822
Allianz SESEPA
€850Kapproved
PAY-7823
Deloitte USACH
$125Kvalidated
PAY-7824
Toyota MotorSWIFT
¥340Mpending
PAY-7825
Goldman SachsFedWire
$5.1Mexecuting
Regulated$24.5M$18.2M$10.0M$15.0M$7.8M
005Investment Agent
Manages MMF subscriptions, deposit placements, and maturity ladders autonomously — optimizing yield while staying within your investment policy limits.
Maturity Ladder● Live
BlackRock MMFYield: 5.32%
Fidelity Gov MMFYield: 5.28%
Term Deposit — 30dYield: 5.45%
Term Deposit — 90dYield: 5.61%
Overnight SweepYield: 5.18%
006Risk Agent
Tracks counterparty exposure, interest rate sensitivity, and liquidity risk 24/7 — escalating breaches and triggering mitigations automatically.
Risk Monitor2 alerts
Counterparty Exposure
Deutsche Bank$82.3M/ $100M
Interest Rate VaR
Portfolio$4.1M/ $5M
Liquidity Coverage
Group142%/ 100%
FX Exposure
EUR Position$31.2M/ $50M
Concentration Risk
Top 3 Banks67%/ 75%
007Policy Enforcer Agent
Validates every transaction and operation against regulatory requirements, sanctions lists, internal policies, and governance rules in real time.
Policy EngineAll compliant
Sanctions ScreeningPAY-7821 — Siemens AG
< 1s
pass
Investment PolicyMMF allocation > 40%
< 1s
pass
Dual AuthorizationPAY-7824 — Toyota Motor
2s
enforced
Counterparty LimitDeutsche Bank exposure
< 1s
warning
Regulatory ReportEMIR — Trade filing
3s
pass
008Forecasting Agent
Learns from historical patterns and live data to produce rolling cash flow forecasts with confidence intervals, variance alerts, and scenario planning.
Rolling ForecastAI-generated
Week 1
↑ $14.2M↓ $11.8M
+$2.4M94%
Week 2
↑ $9.7M↓ $12.3M
-$2.6M89%
Week 3
↑ $16.1M↓ $8.4M
+$7.7M82%
Week 4
↑ $11.5M↓ $13.9M
-$2.4M76%
Month 2
↑ $48.3M↓ $41.2M
+$7.1M68%
009Reporting Agent
Generates cash positions, liquidity forecasts, compliance reports, and board-ready summaries on schedule or on demand — no manual work required.
Report Scheduler5 active
Daily Cash PositionXLSX
12 users · 06:00Liquidity Coverage RatioPDF
Board · 07:00FX Exposure SummaryPDF
CFO, Treasurer · 06:30Bank Fee AnalysisXLSX
Finance Ops · 09:00Counterparty RiskPDF
Risk Committee · 06:15Bond in Numbers
HUMAN GENIUS, AI EFFICIENCY
Money in motion — executed at speed, measured by performance, aligned to your targets.
$1B+
Liquidity Unlocked
$100M+
Extra Revenue Generated
1,000+
Risk Incidents Mitigated
$36.5B+
Investment Volume Annually
$1T+
Transactions Processed
$50B+
Managed Daily
The Execution System
AGENTS THAT COMPLETE TASKS END TO END
Bond gives your treasury team the power of a workforce — executing complex tasks like optimizations, payments, reconciliation, and more.
MONITORINGReal-Time Task Tracking
Track every agent, task, and outcome in real time across all entities, accounts, and workflows.
Total Cash Position$45.8M equiv
CitiUS Corp · USD
+$840K$12,400,000
HSBCUK Ltd · GBP
-£220K£3,120,000
BNP ParibasEU GmbH · EUR
+€310K€5,670,000
JPMorganAPAC Pte · SGD
+S$95KS$2,840,000
NatWestLATAM SA · BRL
-R$180KR$4,200,000
Currency Breakdown
USD
$24.8M42%
EUR
€8.9M24%
GBP
£5.1M18%
Other
$7.0M equiv16%
AUTONOMOUSAuto Execution
Bond autonomously sweeps cash, rebalances pools, and enforces limits across your entire treasury — 24/7.
Auto-Sweeps Executed0 / 5
US CorpCiti
Sweep $4.4M → IHB$12.4M●
UK LtdHSBC
Sweep £1.1M → IHB£3.1M○
EU GmbHBNP
Sweep €1.7M → IHB€5.7M○
APAC PteJPMorgan
Sweep S$0.8M → IHBS$2.8M○
LATAM SANatWest
Sweep R$1.2M → IHBR$4.2M○
ORCHESTRATIONMulti-Step Workflows
Orchestrate multi-step workflows across entities and counterparties, from document generation and approvals to reconciliation and reporting, with full audit trails.
IC Loans Processed0 / 8
IHB (Parent)→US Corp
SOFR + 60bp · 14 days$2.5M●
IHB (Parent)→EU GmbH
EURIBOR + 45bp · 30 days€1.8M○
UK Ltd→IHB (Parent)
SONIA + 50bp · 7 days£900K○
IHB (Parent)→APAC Pte
SOFR + 75bp · 21 daysS$1.2M○
LATAM SA→IHB (Parent)
CDI + 80bp · 60 daysR$3.4M○
IHB (Parent)→MEA FZE
EIBOR + 55bp · 30 daysAED 4.1M○
APAC Pte→JP KK
TIBOR + 40bp · 14 days¥180M○
IHB (Parent)→AU Pty
BBSW + 65bp · 45 daysA$1.6M○
Multilateral Netting
US Corp
$4.2M / $2.8M$1.4M
EU GmbH
€2.1M / €3.5M-€1.4M
UK Ltd
£1.8M / £0.9M£0.9M
APAC Pte
S$1.5M / S$2.1M-S$0.6M
MEA FZE
AED 3.0M / AED 1.2MAED 1.8M
CONNECTIVITYContext Gathering
Bond connects to your banks, ERPs, and platforms and works where you work, in Slack, Teams, and more.
Live Channels2 Channels · 4 Banks · 3 ERPs
Slack#treasury-ops · < 100ms
Email (SMTP)treasury@corp.com · < 1s
Banks & ERPsCitiSWIFTHSBCHost-to-HostJPMorganAPI
BNP ParibasEBICS
SAP S/4HANAReal-time
Oracle FusionBatch (15m)
WorkdayReal-time
COMPLIANCEBuilt-In Governance
Bond operates within your rules — every execution follows your policies, limits, and approval chains.
Total Outstanding$95M across 5 facilities
Term Loan ACiti · SOFR + 125bp
$45M
Revolving CreditHSBC · SOFR + 95bp
$12M
Euro BondBNP · 3.25% Fixed
€25M
Bilateral LoanJPMorgan · SOFR + 110bp
$8M
Commercial PaperGoldman · 4.15% Fixed
$5M
Covenant Compliance
Debt / EBITDA
2.4x / 3.5x✓
Interest Coverage
5.8x / > 3.0x✓
Net Leverage
1.9x / 2.5x!
Security You Can Count OnENTERPRISE SECURITYSOC 2ISO 27001GDPRDORA
Robust data and AI security with oversight that safeguards your operations without compromise.
Regulated
Connected Everywhere
ONE PLATFORM, EVERY DATA SOURCE
Bond connects to your banks, ERPs, and market data via API, SWIFT, H2H, and more — consolidating your financial data into one intelligent platform.
Banks15,000+
API, SFTP & SWIFTMultiple connection protocols and file formats supported.
Asset Managers25+
Tier-1Direct access to open and manage accounts.
OTC30+
Repo, bonds & swapsSeamless access to institutional instruments.
ERPs12+
Oracle, SAP + morePre-built integrations into the top ERPs.
LPs20+
Spots, forwards + moreAccess the best rates from tier-1 liquidity providers.
Payments250+
PSPsExecute, control and automate payment flows.
System of Action
DO BETTER THAN STATIC DASHBOARDS
Bond's AI intelligence layer turns static data into intelligence that doesn't just inform work - it does it.
Bond Financial Technologies Ltd (FCA Number: 989936) is an appointed representative of Talbot Capital Limited, which is authorised and regulated by the Financial Conduct Authority. Bond Financial Technologies Ltd registered address is Second Floor, Berkeley Square House, London, United Kingdom, W1J 6BD. The information and the services referred to on our site are directed at professional clients, eligible counterparties and retail clients. However, retail clients may only rely on the information herein in relation to corporate finance business. If you have any doubts about your status you must not access our site. This website is for information purposes only. Nothing herein shall be construed (i) as an official confirmation and/or (ii) as advice or a recommendation. Please note that you are required to have read and accepted the terms of our Privacy Policy & Terms of Use before you are able to access our website.