Editor’s Note: Taken from Finmo CRO and co-founder Thomas Kang‘s LinkedIn article on May 11

In the rushing current of global commerce, your business navigates an ocean of financial complexity.

The Iceberg Challenge

What you see above the waterline is the movement of money – the $125 trillion in global B2B payments processed annually. Most payment companies focus on this visible transaction layer.

But beneath the surface lies the vast, complex reality that treasurers face daily:

• Account reconciliation drowning your team in spreadsheets
• Cash flow forecasts cobbled together from fragmented data
• Liquidity management scattered across banking portals
• FX risk exposure managed through disconnected systems
• Compliance requirements multiplying with each new market

The Treasury-First Paradigm Shift

Finmo emerged from this reality, founded by treasury practitioners who experienced the pain of managing financial operations through disconnected systems. We built what we wished had existed: not another payments platform but a treasury operating system.

While others built financial tools as isolated solutions, we designed an integrated ecosystem from the ground up. In this modular, API-first architecture, each component delivers value independently but creates an exponential impact when combined.

Our fundamental insight: In B2B commerce, moving money is rarely the end goal – it’s merely a byproduct of what happens beneath the surface. Without providing tools to manage accounts globally, optimize cash cycles, generate yield on excess liquidity, and manage FX risk while navigating compliance, you’re merely addressing the tip of the iceberg.

Four Pillars of Integrated Treasury

1. Money Movement: From invoice to instant

Real-time payments across 180+ countries, virtual accounts, and global currency solutions – the foundation of financial operations transformed from a bottleneck into a strategic asset.

2. Cash Management: Clarity without compromise

Consolidate multiple currencies without opening multiple accounts. Get real-time visibility across all balances – operating, customer, and investment. With streamlined AR/AP processes, optimize your working capital management.

3. FX Management: From risk to opportunity

Access interbank pricing through multi-bank aggregation. Hedge firm commitments and anticipated cash flows with forwards and swaps previously available only to enterprises.

4. Unified Integrations: One source of truth

Connect your financial stack into a cohesive ecosystem with a single ledger view. Eliminate data silos and manual reconciliation while maintaining the flexibility to evolve as your business grows.

Finmo TOS Framework was shared back in November 2022

For Companies at an Inflection Point

Finmo meets you at the moment when traditional approaches begin to break:

• When your startup scales internationally and treasury becomes a growth constraint rather than an enabler
• When your mid-market enterprise feels trapped between consumer-grade tools and enterprise solutions with six-figure implementation costs
• When your lean global team spends nine hours weekly on manual processes instead of strategic initiatives
• When your payment operation needs treasury capabilities to manage global complexities

Our customers, from Series A startups to established regional players, share a common profile: They operate across multiple countries, manage 5+ bank relationships, process hundreds of daily transactions, and are determined to build financial infrastructure that enables rather than constrains growth.

The Practitioner’s Advantage

Unlike incumbent solutions built on monolithic architectures and burdened by technical debt, Finmo was created by practitioners for practitioners.

Our development process isn’t theoretical – it’s practical. Treasury professionals don’t just inform our roadmap; they actively co-create solutions through regular workshops and roundtables, ensuring every feature addresses real-world challenges, not hypothetical problems.

The results speak for themselves:

• 90% reduction in time spent on cash forecasting
• 95% automation of reconciliation processes
• Holistic visibility across previously disconnected financial operations
• Machine learning-driven forecasting with continuous improvement capabilities

This practitioner-led approach delivers immediate operational impact while building toward a unified treasury experience that transforms finance from a processing center into a strategic advantage.

Independent Strength. Integrated Power.

Every finance team has a fire to put out. A payment delayed. A forecast missed. An FX loss unhedged.

This is where Finmo’s modular approach shines. Each of our four focused modules is powerful enough to solve a mission-critical function on its own.

But connect them together? That’s when you unlock Finmo‘s true value: a next-generation treasury operating system built to automate, anticipate, and accelerate every financial decision.

Start with one. Transform with all.

Build your foundation with the module that addresses your most pressing need, then expand as your business grows. Whether you’re streamlining vendor payments, optimizing cash, managing FX volatility, or integrating siloed systems, Finmo scales with you, turning financial complexity into a competitive advantage.

Your Treasury Evolution Begins Now

The future of treasury isn’t about moving money – it’s about moving your business forward.

Partner with Finmo to build a financial infrastructure that does more than process payments. Build one that delivers the real-time clarity, operational efficiency, and strategic insights that modern business demands.