● Treasury AI ACTIVE
◆ Cash Flow Forecast 90-day rolling
● Liquidity Ratio 138% · Optimal
◆ Idle Funds Optimised $2.4B swept today
● Forecast Accuracy 96.4%
◆ Alerts Generated 847 resolved
● FX Exposure Hedged · 12 currencies
◆ Fund Placements Auto-executed
● Treasury AI ACTIVE
◆ Cash Flow Forecast 90-day rolling
● Liquidity Ratio 138% · Optimal
◆ Idle Funds Optimised $2.4B swept today
● Forecast Accuracy 96.4%
◆ Alerts Generated 847 resolved
● FX Exposure Hedged · 12 currencies
◆ Fund Placements Auto-executed
AI-Powered Core Banking · Intelligent Treasury & Liquidity
Treasury that
thinks ahead,
acts instantly
zung.ai's intelligent treasury platform delivers predictive cash flow forecasting, real-time liquidity alerts, and automated fund management — giving your treasury team the AI CFO they've always needed, operating 24/7 without manual intervention.
CM
RO
TS
+
Trusted by 55+ banks managing $120B+ in treasury assets with AI
Net Liquidity Position
$2.84B
↑ LCR 138% · Above Threshold
90-Day Cash Flow Forecast
AI Treasury — Optimising Placements
$842M IDLE FUNDS → T-BILL SWEEP TRIGGERED
T-Bills
42%
Money Mkt
28%
Interbank
18%
Reserves
12%
LCR 138%
Liquidity
96.4%
Forecast Acc.
$2.4B
Auto-Swept
LCR 138% — optimal position
$2.4B swept to T-Bills ✓
Connected to
CBK / CBN
Bloomberg
Reuters
SWIFT GPI
Temenos
12 CBs
By the numbers
Treasury intelligence that pays for itself
zung.ai's AI treasury engine eliminates idle cash drag, prevents liquidity crises before they happen, and optimises fund placement across every eligible instrument — automatically, every hour of every day.
$120B+
Treasury assets managed
with AI daily
with AI daily
96.4%
Cash flow forecast
accuracy (90-day)
accuracy (90-day)
18%
Average yield improvement
on idle funds
on idle funds
62%
Reduction in treasury
ops team overhead
ops team overhead
Core capabilities
AI treasury that never
sleeps or misses a signal
A unified AI treasury layer that handles forecasting, liquidity management, fund optimisation, and regulatory compliance — freeing your treasury team to focus on strategy, not spreadsheets.
Predictive Cash Flow Forecasting
AI models every inflow and outflow source — loan disbursements, repayments, deposit maturities, bulk payments, statutory obligations — producing a rolling 90-day cash flow forecast updated every hour with 96.4% accuracy.
96.4% Accuracy · 90-Day
Real-Time Liquidity Alerts
AI continuously monitors LCR, NSFR, and internal liquidity ratios — alerting the treasury team the moment any metric approaches a threshold, with predicted breach time and recommended corrective actions ranked by urgency.
LCR · NSFR · Real-time
Automated Fund Management
AI automatically sweeps idle balances into the highest-yielding eligible instruments — T-bills, interbank placements, money market funds — within board-approved investment policy parameters, executing trades without manual treasury intervention.
Auto-Placement
Multi-Currency FX Management
Consolidated FX exposure tracking across 12+ currencies in real time — with AI identifying natural hedges within the balance sheet, flagging unhedged exposures above policy limits, and surfacing recommended hedging strategies instantly.
12+ Currencies
Stress Testing & Scenario Modelling
AI-powered stress tests against historical crisis scenarios (COVID, currency shocks, rate spikes) and custom assumptions — producing survival horizon estimates, vulnerable funding concentrations, and contingency funding plan triggers automatically.
Scenario Modelling
Regulatory Reporting & Compliance
Automated generation of LCR, NSFR, ALCO reports, and central bank returns — on schedule, in the correct format for CBK, CBN, SARB, BoG, and 9 other regulators — with AI flagging any pre-breach conditions before submission.
12+ Regulators
How it works
From scattered data to
one treasury intelligence layer
01
All cash flows ingested in real time
Every transaction, maturity, disbursement, bulk payment, statutory obligation, and interbank settlement is captured from core banking, payment systems, and market data feeds — giving the AI a complete, live picture of your cash position every second.
Real-time Ingestion
02
AI forecasts and models 90 days out
ML models trained on your historical cash patterns, seasonal cycles, market correlations, and macroeconomic indicators produce a rolling 90-day cash flow forecast — updated every hour, with confidence intervals and scenario overlays for stress conditions.
96.4% Accuracy
03
Alerts surface before crises hit
AI monitors LCR, NSFR, internal liquidity ratios, and concentration limits in real time — issuing graded alerts (watch, warning, critical) with recommended actions and predicted breach timelines, giving your treasury team hours or days to respond, not minutes.
Graded Alerts
04
Idle funds optimised automatically
Within board-approved investment policy parameters, AI automatically executes fund placements — sweeping idle balances into T-bills, money market funds, or interbank — maximising yield without manual intervention, 24 hours a day.
Auto-Placement
✓ Ingest
⟳ Forecast
Alerts
Optimise
Cash Flow Ingestion — Live
Loan Disbursements-$142M today
Loan Repayments+$198M today
Deposit Maturities-$84M due 3d
T-Bill Proceeds+$200M due 5d
24 sources liveReal-time
90-Day Forecast — AI Model
30-DAY NET
+$218M
CONFIDENCE
96.4%
STRESS SCENARIO: RATE SHOCK -2% → LCR 118%
Liquidity Alerts — Active
LCR approaching 120% floorWatch
NSFR at 114% — stableOK
T-Bill maturity in 5 daysAction
AI: RECOMMENDED — ROLL $200M T-BILL FOR 91 DAYS
Fund Optimisation — Auto-Executed
Idle Balance$842M identified
→ T-Bill 91-day$400M · 12.4%
→ Money Market$300M · 11.8%
→ Interbank O/N$142M · 10.2%
Auto-executed+18% yield lift
LCR 138%
Liquidity
96.4%
Forecast Acc.
+18%
Yield Lift
$842M swept — auto-optimised
LCR 138% · Safe ✓
Treasury modules
Every treasury function,
AI-powered
zung.ai's treasury platform covers the full spectrum of treasury operations — from intraday liquidity management to long-term ALM — all powered by the same AI engine and accessible through one unified dashboard.
Intraday Liquidity
Real-time intraday cash position across all nostro accounts and payment rails — with AI predicting intraday peak exposures and recommending prefunding levels to prevent settlement failures.
Nostro account consolidation
Peak exposure prediction
RTGS prefunding alerts
Settlement failure prevention
Asset & Liability Management
Dynamic ALM with AI-modelled interest rate sensitivity, repricing gap analysis, duration management, and net interest income forecasting — updated in real time as the balance sheet changes.
Repricing gap analysis
Duration mismatch tracking
NII forecasting
Rate shock stress testing
FX & Currency Risk
Consolidated FX exposure across all currencies, entities, and counterparties — with AI identifying natural hedges, recommending hedging strategies, and tracking hedge effectiveness against policy limits in real time.
12+ currency exposure tracking
Natural hedge identification
FX forward recommendations
Hedge effectiveness reporting
Investment Portfolio Management
AI-optimised investment portfolio management within your IPS — maximising yield while maintaining duration targets, regulatory buffers, and liquidity ladders across T-bills, bonds, and money market instruments.
Yield optimisation within IPS
Duration ladder management
HQLAs classification & tracking
Maturity concentration alerts
Regulatory Liquidity Reporting
Automated LCR, NSFR, ILAAP, and ALCO report generation — submitted to regulators on schedule in the correct format for CBK, CBN, SARB, BoG, and 9 other African central banks, with zero manual preparation.
LCR / NSFR calculation
ILAAP / ICAAP support
12 regulator formats
Pre-breach early warning
ALCO & Board Reporting
AI-generated ALCO packs and board treasury reports — with executive summaries, risk heat maps, performance vs limits, and recommended strategic actions — produced automatically before every meeting, not assembled manually overnight.
Auto-generated ALCO packs
Risk vs limits heat maps
AI strategic recommendations
Drill-down to transaction level
Developer-first
Treasury intelligence via
a single API call
Embed live cash positions, forecasts, and alerts directly into your banking platform, ERP, or ALCO portal — via REST API or our pre-built dashboard widgets.
GET /v1/treasury/position
// Get live treasury position
const pos = await zung.treasury.position({
bank_id: "bank_9k2m",
include: ["lcr", "forecast", "alerts"],
horizon_days: 90
});
// Response
{
"net_position": 2840000000,
"lcr": 1.38,
"nsfr": 1.14,
"forecast_30d": 218000000,
"alerts": [{...}],
"idle_funds": 842000000
}
const pos = await zung.treasury.position({
bank_id: "bank_9k2m",
include: ["lcr", "forecast", "alerts"],
horizon_days: 90
});
// Response
{
"net_position": 2840000000,
"lcr": 1.38,
"nsfr": 1.14,
"forecast_30d": 218000000,
"alerts": [{...}],
"idle_funds": 842000000
}
Hourly forecast refresh
Cash flow forecasts re-run every hour incorporating the latest transactions, market rates, and macro inputs — always the freshest view of your 90-day horizon.
Graded alert webhooks
Subscribe to watch, warning, and critical liquidity events — pushed to your ALCO system, ops dashboard, or treasury team's Slack the moment they trigger.
Embeddable ALCO widgets
Drop-in React components for liquidity heat maps, forecast charts, alert feeds, and fund allocation dashboards — embed in any banking portal in hours.
Trust & compliance
Audit-ready treasury,
everywhere you operate
Every forecast, alert, placement, and ALCO recommendation is documented with full reasoning, auditable against your investment policy statement, and exportable for regulatory examination across every market you operate in.
Basel III LCR / NSFR Compliance
IPS Policy Enforcement
ILAAP / ICAAP Support
Four-Eyes Approval Workflows
SOC 2 Type II · ISO 27001
CBK / CBN / SARB / BoG Returns
IPS Policy Guardrails
Every auto-placement checked against your board-approved IPS before execution — counterparty limits, duration caps, and instrument eligibility enforced automatically.
Four-Eyes Approval
Configurable dual-authorisation workflows for placements above defined thresholds — with digital approvals, full reasoning, and audit trail built in.
Immutable Audit Trail
Every forecast, alert, recommendation, and execution logged tamper-proof — with full model reasoning exportable for internal audit and central bank examination.
Automated Reg Returns
LCR, NSFR, and statutory liquidity returns auto-generated and formatted for submission to 12 African central banks — on schedule, zero manual effort.
Integrations
Connects with every system
your treasury already uses
Pre-built connectors for core banking systems, market data feeds, settlement platforms, and regulatory reporting portals — live in weeks, with no disruption to existing operations.
Bloomberg
Reuters / Refinitiv
SWIFT GPI
Temenos
Finastra Kondor
Murex
Calypso
CBK RTGS
NSE / JSE
Oracle FLEXCUBE
SAP Treasury
Finacle Treasury
Give your treasury an AI edge
The treasury team that
never misses a signal
Join 55+ banks using zung.ai to manage $120B+ in treasury assets with AI — forecasting 90 days ahead with 96.4% accuracy, eliminating idle cash drag, and automating regulatory reporting across every market.
Live in 8 weeks
IPS compliant
SOC 2 Type II
12 regulators