liquidity tools

Kyriba

Kyriba is a cloud-native treasury and finance platform that sits at the intersection of corporate finance operations and intelligent automation. Rather than patching together spreadsheets and legacy systems, Kyriba consolidates cash management, liquidity forecasting, and working capital visibility into a single operating system for finance teams. Think of it as the command center for CFOs who are tired of fragmented data and manual workflows. The platform handles everything from multi-currency cash positioning to FX hedging and supply chain financing, all orchestrated through APIs that plug into banks and accounting systems. It's built for mid-market to enterprise companies that move serious money across borders and need to know exactly where every dollar sits at any given moment. Kyriba doesn't try to be a banker or a startup darling—it's an industrial-grade tool that speaks the language of corporate treasurers. In the European treasury space, Kyriba competes with legacy software vendors but with a modern cloud architecture that actually scales. It's the kind of platform that gets adopted quietly but becomes mission-critical once companies realize how much time their finance teams get back. The market for treasury automation remains sticky and consolidating, but Kyriba has built a defensible position by solving the unglamorous but essential work of helping large corporations optimize their balance sheets and reduce financial risk.

Founded 2000

Kantox

Kantox sits at the intersection of corporate finance and fintech, solving a problem that has plagued treasurers and CFOs for decades: the cost and complexity of managing foreign exchange. Rather than forcing companies through the byzantine world of traditional banks or crude hedging tools, Kantox built a platform that lets businesses buy and sell currency with transparency, speed, and intelligence. The platform aggregates liquidity from multiple sources—banks, non-bank liquidity providers, and peer matching—and surfaces the best rates in real time. No more vendor lock-in, no more opaque spreads, no more waiting. A mid-market company can execute a multi-million euro FX trade in minutes, seeing exactly what they're paying and why. What sets Kantox apart in a crowded treasury tech space is its refusal to abstract away the mechanics. The platform shows you the market, then lets you trade. It's designed for finance professionals who know what they're doing and want control back from intermediaries. The company has built serious depth in emerging markets and supply chain currencies, which most legacy providers still treat as afterthoughts. Kantox represents a broader shift in European fintech: the recognition that some of the most valuable problems live in the unglamorous corners of corporate finance, where even small improvements in execution cost save companies millions annually. In that sense, it's doing for FX what more visible fintechs have done for payments—stripping away friction and opacity from a process that should have been digital decades ago.

Founded 2009

Agicap

Cash flow forecasting for mid-market companies is a constant headache. Finance teams spend weeks building Excel models, updating bank balances by hand, and scrambling when surprises hit. Agicap strips away the manual drudgery with a platform that pulls real-time bank data, forecasts cash positions, and alerts teams to shortfalls before they become crises. The platform connects directly to corporate bank accounts across Europe, aggregating transactions and balances in a single dashboard. Finance teams can forecast weeks or months ahead, model different scenarios, and plan borrowing or investment with confidence. It's built for the CFO or finance manager at a growing company—someone managing millions but not yet running a treasury department. In a crowded space of cash management tools, Agicap distinguishes itself through simplicity and breadth of bank connectivity. Where some competitors focus on large enterprises or niche workflows, Agicap targets the mid-market sweet spot: companies that have outgrown spreadsheets but aren't yet ready to deploy enterprise software. The platform's strength lies in its ease of setup and integration with French, German, and UK banking networks. Agicap sits at the intersection of SME finance and treasury, filling a gap for companies that need working capital visibility without the complexity or cost of traditional corporate treasury platforms.

Founded 2014

Currency Cloud

Currency Cloud powers cross-border payments for fintechs, banks, and platforms that move money internationally. Rather than building payment rails from scratch, companies plug into Currency Cloud's infrastructure to send, receive, and manage multi-currency transactions at scale. The platform handles the compliance complexity, FX pricing, and settlement logistics that make global payments so difficult. What sets Currency Cloud apart is its positioning as the backbone rather than the front-end. While fintech darlings grab headlines with sleek consumer apps, Currency Cloud quietly powers payments behind the scenes for hundreds of financial services companies across Europe, Asia, and beyond. The company works with everyone from neobanks to traditional institutions to embedded finance platforms, letting them offer international payments without the headache of building their own infrastructure. The European fintech scene has become increasingly reliant on infrastructure layers like this one—companies that solve the hard infrastructure problems so others can focus on customer experience and product innovation. Currency Cloud sits in that crucial middle tier, handling the pipes while others decorate the storefronts. It's a less visible kind of power, but arguably more fundamental to how modern fintech works.

Founded 2012

Ophen Technologies

Most corporate treasuries are still wrestling with spreadsheets and manual workflows when it comes to managing liquidity and FX exposure. Ophen Technologies reimagines treasury management for mid-market companies by building a unified platform that turns fragmented banking relationships into a single source of truth. The platform aggregates real-time cash positions across multiple banks, surfaces FX exposure, and automates the mechanics of moving money and hedging risk. It sits between a company's existing bank accounts and ERP systems, orchestrating what should be simple but somehow remains chaotic. What sets Ophen apart is its refusal to force clients into rip-and-replace dynamics. Instead, it works with existing infrastructure, meaning finance teams get immediate value without betting the company on a migration. The platform speaks the language of CFOs and controllers, not engineers, which matters when the problem you're solving is as mission-critical as knowing where your cash actually is. In a market where treasury tech tends toward either complexity or oversimplification, Ophen occupies a pragmatic middle ground. For European mid-market companies managing multi-currency operations and the complexity that comes with it, the platform addresses a genuine pain point that traditional banking and generic ERP modules have consistently underserved.

Founded 2021

Fyorin

Fyorin is a European treasury and payments platform built for the modern corporate finance team. It bundles cash management, FX execution, and liquidity forecasting into a single interface—stripping away the complexity that haunts traditional treasury software. The platform connects directly to your banks and accounting systems, giving finance teams real-time visibility into cash positions across multiple accounts and currencies. Unlike legacy solutions that require armies of integrators and months of implementation, Fyorin is designed for immediate deployment, letting companies start optimizing cash flow within weeks rather than years. It appeals to mid-market and enterprise finance teams tired of spreadsheet-driven processes and fragmented point solutions. Fyorin sits squarely in the gap between enterprise banking software and modern fintech: it's professional enough for serious corporate finance, but built with the simplicity and speed that modern teams expect. The platform is particularly valuable for companies with multi-currency exposure or complex banking relationships, where manual cash management becomes a real drag on working capital efficiency. In a market crowded with legacy treasury vendors, Fyorin represents a cleaner, faster alternative that doesn't ask you to overhaul your entire finance stack.

Aritma

Aritma is building the financial operating system for businesses that want to move beyond spreadsheets and legacy banking infrastructure. The platform consolidates cash management, payments, and accounting into a single workspace, letting companies see their full financial picture in real time rather than waiting for bank statements and reconciliation cycles. It's built for the EU market, where fragmented banking, multiple currencies, and regulatory complexity make finance operations unnecessarily complicated for growing businesses. Instead of bolting together payment platforms, banking apps, and accounting tools, Aritma unifies them—automating reconciliation, tracking cash movements across accounts and currencies, and embedding compliance workflows from the start. The result feels less like traditional treasury software and more like financial infrastructure for the internet era: API-first, collaborative, and designed for businesses that actually move fast. Most corporate finance tools are built for big enterprises with dedicated CFO teams and legacy bank relationships. Aritma positions itself as the alternative for mid-market and high-growth companies that need institutional financial controls without the institutional overhead. It's part of a broader shift toward embedded finance operations—the idea that cash management and payments shouldn't feel like a separate department, but integrated into how companies actually work.

Founded 2021

PlanDelta

Private equity and corporate finance practitioners spend a remarkable share of their working time on financial modelling tasks that have not changed substantively in twenty years — building DCF models, LBO models, and scenario analyses in Excel templates that are passed between analysts, marked up by partners, and remain the lingua franca of deal evaluation despite the obvious limitations of the medium. PlanDelta was founded in Germany in 2019 to bring modern software approaches to that workflow. Its platform supports financial modelling, scenario planning, and deal evaluation for corporate finance teams and investment professionals, replacing or augmenting Excel-based processes with collaborative tools designed for the specific demands of transaction work. The product targets the gap between the spreadsheet world that defines most deal work and the enterprise FP&A platforms that serve very different use cases. In the European corporate finance technology landscape, the willingness of investment professionals to move workflows out of Excel has historically been limited — the medium is universal, the templates are inherited, and the switching costs are high. Companies building products in this space need to demonstrate that their tools genuinely improve the quality and speed of analysis rather than just changing the interface. PlanDelta is building toward that demonstration in a market where the resistance to new tools is real but the underlying need for better analytical infrastructure is genuine.

Founded 2019

Verestro

Verestro is a European fintech platform that simplifies cross-border payments and financial operations for SMEs and mid-market companies. Built for businesses that operate across multiple countries, it consolidates currency management, invoice payments, and working capital into a single dashboard, eliminating the friction of dealing with multiple banks and payment corridors. The platform sits at the intersection of treasury management and operational banking, handling everything from multi-currency liquidity forecasting to automated payouts across Europe and beyond. Unlike traditional corporate banks that charge premium fees and require relationship managers, Verestro strips away complexity and cost through API-first infrastructure and transparent pricing. It appeals to growing companies frustrated with legacy banking infrastructure—those processing hundreds of invoices monthly across different currencies and jurisdictions. The platform integrates with existing accounting systems and banking partners, functioning as the intelligent layer between a company's operations and its financial settlement. For the ambitious European SME or scaling startup, Verestro represents the kind of modernized, software-first alternative that traditional treasury teams have long awaited, combining corporate-grade functionality with the simplicity and cost structure of a modern fintech.

Founded 2020

Farseer

Financial planning and analysis software has historically been one of the most painful parts of running a finance team — Excel models that nobody fully understands, manual data consolidation that consumes days every month, and forecasting processes that produce numbers nobody actually believes by the time they reach the management team. Farseer was founded in Zagreb in 2017 to bring modern software discipline to that workflow. Its planning platform helps mid-market companies build financial models, run scenario analyses, and produce management reporting through a cloud-based platform that replaces the spreadsheet sprawl that defines most corporate FP&A. The Croatian base is significant — Farseer represents one of the more credible product-led companies emerging from the Adriatic tech scene, building enterprise software for European mid-market customers from a region that has historically punched above its weight in software engineering talent but below its weight in venture-backed companies. In the European corporate finance technology landscape, Farseer competes with established players like Anaplan and Adaptive Insights, differentiating through faster implementation timelines and pricing more accessible to mid-market companies that the enterprise platforms typically don't serve well.

Founded 2017

Salv

Salv is a European treasury and payments platform designed for the modern finance team. Rather than juggling spreadsheets and legacy banking interfaces, Salv consolidates cash visibility, liquidity forecasting, and cross-border payments into a single, intuitive interface. The platform connects directly to a company's bank accounts—whether across Europe or globally—and gives CFOs and controllers real-time insight into cash positions, pending transactions, and upcoming obligations. What sets Salv apart is its focus on simplicity without sacrificing depth. While enterprise treasury software often demands armies of consultants and months of implementation, Salv gets finance teams operational in days. The platform handles multi-currency cash management, automates reconciliation, and streamlines payment execution—all critical functions that most midmarket companies currently manage through error-prone manual processes or expensive legacy systems. In a market dominated by entrenched enterprise players like Kyriba and Treasurit, Salv targets the overlooked middle: growth companies and mid-sized enterprises that have outgrown basic banking but don't need Fortune 500-grade complexity. It's positioned as the cash management tool for teams that want control without the headache, and it reflects a broader European fintech trend toward pragmatic, cloud-native alternatives to traditional treasury solutions. For finance leaders tired of workarounds, Salv represents the kind of infrastructure redesign that turns scattered processes into streamlined workflow.

Founded 2021