Corporate Treasury

Cash, liquidity, and hedging run continuously under policy. Humans own exception decisions in shocks, covenant risk, and funding events.

The Role Transformation

From To
Treasurer Autonomous Liquidity Governor

Traditional treasury operations are calendar-driven: daily cash reports, weekly position reviews, monthly board decks. Reality doesn't follow this schedule.

With Governance OS, treasury monitoring runs continuously. Policies define acceptable ranges for positions, exposures, and liquidity. When reality deviates from policy, exceptions surface immediately — not at the next scheduled review.

Treasury Signal Types

The Treasury pack monitors these signal types:

  • Position updates — Holdings, concentrations, limit utilization
  • Market data — Prices, volatility, correlation changes
  • Credit events — Rating changes, counterparty news, exchange status
  • Cash flow — Forecast variances, shortfalls, sweep opportunities
  • Covenant metrics — DSCR, leverage ratios, coverage tests

Example Scenarios

BTC Position Limit Breach Critical

Signal: BTC position reaches 125% of approved limit, sustained for 5 hours during unusual market conditions.

Policy violated: Position Limit Policy (10% max per asset)

Context visible: Current position value, limit threshold, duration of breach, market volatility indicators.

Options presented:

  • Escalate to CFO
  • Initiate Gradual Reduction
  • Request Temporary Limit Increase
  • Dismiss (Accept Risk)

Sample rationale: "Given the critical severity and 5-hour duration during unusual market conditions, this requires CFO review before any position changes."

Cash Shortfall Detected Critical

Signal: 5-day cash forecast shows $2.3M shortfall against $15M minimum liquidity requirement.

Policy violated: Liquidity Buffer Policy

Context visible: Current cash position, forecast breakdown, upcoming obligations, available credit lines.

Options presented:

  • Initiate Cash Sweep from Subsidiaries
  • Draw on Revolving Credit Facility
  • Accelerate Receivables Collection
  • Defer Non-Critical Payments

Exchange Credit Downgrade High

Signal: Primary crypto exchange downgraded from A to BBB- by internal risk rating.

Policy violated: Counterparty Credit Policy (minimum A- for exchanges holding >$1M)

Context visible: Current exposure, rating history, alternative exchanges, transfer costs.

Options presented:

  • Reduce Exposure to Threshold
  • Migrate to Alternative Exchange
  • Accept Elevated Risk with Enhanced Monitoring
  • Request Risk Committee Review

DSCR Covenant Breach Warning High

Signal: Projected DSCR of 1.08x against 1.15x covenant minimum, 30 days before measurement date.

Policy violated: Covenant Monitoring Policy

Context visible: Current DSCR, trend over past 6 months, debt service schedule, forecast assumptions.

Options presented:

  • Negotiate Covenant Waiver
  • Accelerate Revenue Recognition
  • Defer Capital Expenditure
  • Prepare Lender Communication

Evidence Trail for Audit

Every treasury decision produces an evidence pack. When auditors or the board ask "Why did we accept this position risk?" or "Who approved the credit facility draw?", the answer is immediate and complete:

  • The exact signals that triggered the exception
  • The policy version that was violated
  • All options that were available
  • The chosen option with documented rationale
  • Who decided and when
  • Cryptographic hash for integrity verification

No more forensic reconstruction. The evidence exists at the moment of decision, not assembled after the fact when something goes wrong.

Key Differentiators

Traditional Treasury With Governance OS
Daily/weekly position reports Continuous monitoring with instant escalation
Spreadsheet-based limit tracking Policy-driven evaluation with deterministic logic
Email chains for decisions Immutable decision records with evidence packs
Post-hoc explanations for audit Real-time evidence generation at decision
Tribal knowledge of "how we handle this" Explicit policies with version history

Getting Started

The Treasury pack comes pre-configured with common policies:

  • Position Limit Policy
  • Market Volatility Policy
  • Credit Risk Policy
  • Liquidity Buffer Policy
  • Covenant Monitoring Policy
  • FX Exposure Policy

These can be customized or extended based on your organization's specific requirements.

Want to see it in action? Try the interactive demo or join the waitlist for early access.