It’s 8:30 a.m., and a corporate treasurer wonders whether his company has enough money in its bank accounts to pay its bills.  The next question, after bills are paid, is whether the company has enough money in its bank accounts to meet its earnings credit requirements.  If the company has more money than that, the treasurer wants to optimize it, so long as they don’t jeopardize safety or liquidity.

The process is manual, repetitive, and time-consuming.  By the time the analysis is complete, opportunities may already be gone.  Meanwhile, other priorities – improving forecasts, advising the CFO, strengthening controls – are pushed aside because manual treasury tasks take up the day.

This is the reality for many treasury and finance leaders.  Idle cash slips through the cracks.  Manual sweeps introduce errors.  Strategic work gets delayed.

Why is this so important now?

The treasury landscape is more complex than ever.  Interest rate changes, volatile markets, and heightened fraud risk make every decision matter.  Organizations can no longer afford cash to sit idle, nor can treasury leaders afford to spend hours each day on tasks that could be automated.

Clients, boards, and executives expect real-time insights and smart execution.  Treasury and finance professionals need tools that keep up with these demands, not systems that hold them back.

That’s where Talk to Your Money™ comes in.

How Talk to Your Money™ works

Treasury Curve’s Talk to Your Money™ functionality leverages artificial intelligence (AI) to answer the questions treasury leaders ask every day:

• Do I have enough money to pay my bills? 
• Do I also have enough money to meet my earnings credit requirements? 
• After meeting our earnings credit requirements, is money sitting idle at low rates?
• Can these funds be automatically invested in guideline-approved money market funds?

The secret is AI Sweep, a core part of the Talk to Your Money™ capability.  AI Sweep continuously analyzes historical balances, transactions, and ECR requirements, identifies idle cash in real time, and automatically invests in approved funds.

Treasurers stay firmly in control, setting the rules, policies, and approvals, while the AI takes care of the repetitive, error-prone work.

A day in the life with Talk to Your Money™

It’s 8:30 a.m., and a treasurer logs in to Treasury Curve.  A quick query to the AI agent provides instant insight: You have $12.3 million in excess cash today.  After meeting your ECR requirements, these funds can be invested in the following approved money market funds.

With Talk to Your Money™, the cash is automatically swept into investments that align with policy.  The treasurer doesn’t spend hours reconciling balances or running manual sweeps.  Instead, the focus shifts to value-added work: advising leadership on cash flow strategies, strengthening liquidity planning, and driving initiatives that create impact.

The difference is profound.  Instead of being bogged down by processes, treasury and finance leaders finally have the time, tools, and confidence to drive strategy.

Why this changes everything

Talk to Your Money™ is a fundamental shift in how treasurers work, unlocking both productivity and strategic potential.  By combining conversational AI with automated execution, Treasury Curve gives finance leaders what they’ve been missing: clarity, speed, and confidence.  Here’s how:

• Control – you define the rules, guidelines, and policies.  Instead of relying on rigid banking tools or outdated systems, you decide what funds are approved and how excess cash is invested.  This ensures that treasury aligns with corporate investment policies and risk appetite.  You gain peace of mind knowing that automation won’t override your judgment; it simply carries out your strategy more efficiently.  That level of oversight not only builds trust internally but also reassures auditors and stakeholders who expect disciplined governance.  In short, you maintain ownership of every decision while letting AI handle the heavy lifting.
• Efficiency – manual tasks are automated, freeing valuable time.  Talk to Your Money™ eliminates the daily grind of manual reconciliations and repetitive sweeps.  What once took hours now takes minutes, allowing treasury teams to spend less time wrestling with spreadsheets.  Efficiency at this level compounds: fewer errors, fewer missed deadlines, and fewer wasted opportunities to put idle cash to work.  For lean treasury teams, the time savings translate directly into greater capacity for strategic contributions.  The result is a treasury function that operates at the speed of business, not at the pace of manual workflows.
• Accuracy – real-time data reduces errors and missed opportunities.  Manual processes often mean decisions are made on yesterday’s data, introducing costly delays and errors.  Talk to Your Money™ changes that by delivering up-to-the-minute visibility into balances, transactions, and available cash.  The AI doesn’t overlook details or forget to calculate ECR requirements.  It executes with precision every time.  That accuracy directly impacts the bottom line by ensuring excess cash is never left idle or under-earning.  Treasury leaders can move forward with confidence, knowing decisions are backed by real-time insights.
• Focus – more capacity for strategic initiatives that elevate the role of treasury.  By removing the burden of repetitive tasks, Talk to Your Money™ allows treasurers to step into a more strategic role.  Treasury leaders can focus on improving cash forecasts, advising executives on liquidity planning, and aligning treasury with enterprise goals.  This shift elevates the function from back-office operator to trusted business partner at the leadership table.  Teams also benefit from higher morale and engagement when freed from the drudgery of manual sweeps.  Ultimately, the treasury department becomes a driver of business value.

Ready to have a conversation with your cash?

Treasury management doesn’t need to be manual, fragmented, or reactive.  With Talk to Your Money™ and AI Sweep, the future of treasury is already here, and it’s built to give treasurers and finance pros superpowers.  Arrange a no-pressure meeting with Treasury Curve to learn more.