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The AI Treasury Intelligence Platform

Control every dollar, every bank, and every liquidity decision from one command layer.

DepositHub connects balances, rates, risk, FDIC coverage, cash flow, and approvals into one AI-guided treasury workspace.

Ask the Copilot Review Recommendations
Morning Briefing 08:15 ET

Move $3.2M from operating cash to a higher-yield treasury fund after payroll clears. Expected annual income increase: $148K.

Confidence 97%
Risk Low
FDIC Impact Improves
AI cash positioning FDIC exposure down $680K Projected yield lift $148K Payroll coverage 98% 5 banks connected Board pack ready Dual authorization active Cash runway 184 days
Dashboard

Consolidated Cash Command Center

Total cash $28.4M +$410K vs yesterday
Available cash $21.7M 76% immediately liquid
Projected cash $31.2M 90-day forecast
Uninsured exposure $1.42M -$680K after recommendations
Cash Over Time

Projected liquidity with operating reserve

Runway 184 days
Institution View

Bank concentration

Northstar Business Bank $8.6M
Atlantic Commercial $6.1M
Cedar Money Market $5.4M
Harbor Treasury $4.8M
Payroll Reserve Bank $3.5M
AI Treasury Copilot

Ask questions in plain English. Get traceable treasury answers.

The assistant can summarize activity, explain risk, create reports, answer liquidity questions, and draft executive updates with confidence scores.

DepositHub CopilotMorning brief is ready. Total cash is $28.4M, uninsured exposure is $1.42M, and the top recommendation can add $148K in annual income.Confidence 97% | Explainable treasury answer
Optimization Engine

Actionable cash allocation recommendations

Increase yield after payroll clears $3.2M

Move from Northstar Operating to Cedar Government Money Market.

Income lift
+$148K
Risk
Low
FDIC
Improves
Confidence
97%
Reduce uninsured concentration $900K

Move from Atlantic Commercial to ICS/CDARS Sweep.

Income lift
+$18K
Risk
Very Low
FDIC
Fully covered
Confidence
94%
Preserve operating liquidity $1.1M

Move from Money Market Reserve to Payroll Reserve.

Income lift
Neutral
Risk
Control
FDIC
Neutral
Confidence
91%
FDIC Insurance Monitor

Coverage and concentration

$1.42M exposed
73%

Covered across ownership categories, business entities, and institutions.

Alerts

Risk and opportunity feed

FDIC exposure approaching policy limit Atlantic Commercial holds $610K above insured threshold for the primary entity.
Interest opportunity detected Three approved products now yield at least 110 bps above current operating balances.
Forecast deviation Vendor disbursements are tracking 14% higher than the 90-day baseline.
Large withdrawal posted $840K wire cleared from Northstar Business Bank and matched approved transfer policy.
Cash Forecasting

Liquidity forecast with AI confidence intervals

7 days $24.9M Payroll and vendor run included
30 days $26.3M Recurring revenue expected
60 days $29.8M Tax reserve remains funded
90 days $31.2M Seasonal receivables lift
6 months $33.6M Debt payment modeled
12 months $38.4M Wider AI interval applied
Investment Marketplace

Ranked cash products matched to policy and liquidity needs

Government fund Cedar Government Money Market 5.18% Daily liquidity | Minimum $250K
liquidtreasury
ICS/CDARS Harbor Insured Cash Sweep 4.86% FDIC eligible | Minimum $100K
fdicliquid
Treasury bills 13-Week Treasury Bill Ladder 5.04% Low risk | Minimum $500K
treasury
High-yield savings Summit Promotional HYSA 4.72% Promotional rate | Minimum $50K
fdicliquid
Treasury Automation

Policy-based rules for recurring treasury decisions

Build approvals, liquidity thresholds, FDIC redistribution, yield monitoring, and payroll protection into repeatable controls.

Create automation rule

If idle cash exceeds $500,000, recommend transfer to highest yield account.
If FDIC exposure exceeds policy, redistribute across insured institutions.
If payroll is due within five days, hold minimum operating balance.
Transfer Management

ACH, wire, RTP, FedNow, and approval workflows

Wire $3.2M
Northstar Operating Cedar Money Market

Approval workflow: CFO + Company Admin

ACH $420K
Receivables Account Payroll Reserve

Approval workflow: Scheduled

FedNow $180K
Property Entity 4 Tax Reserve

Approval workflow: Finance Manager

Reporting

Executive-ready treasury outputs

Daily Treasury Report PDF, Excel, CSV
Cash Position Report Entity and institution breakdown
Yield Report Interest earned and opportunities
FDIC Exposure Coverage by ownership category
Board Report PowerPoint-ready executive pack
Audit Log Immutable event history
Compliance

Controls covered

  • SOC 2 audit logging
  • Encryption in transit and at rest
  • Role-based access control
  • Immutable event history
  • SIEM-ready alerts
Administration

External connections, roles, billing, and APIs

Plaid Sandbox

Connect financial accounts

Sandbox ready
Connections 0 Active providers
Accounts 0 Linked accounts
Balance $0 Connected cash

Connected Data

Manage Plaid sandbox links, account sync status, and connection coverage for treasury data.

Roles

Super Admin, Company Admin, CFO, Finance Manager, Accountant, and Auditor access patterns.

API Platform

REST, GraphQL, webhooks, SDKs, OpenAPI documentation, and OAuth authentication.

Plans

Professional, Business, Enterprise, and Financial Institution white-label edition.