Business · Treasury

Know the position
before you need it.

Treasury is not a dashboard — it is the discipline of always being able to answer what you hold, in what, and for how long. BINK computes that from balances that exist, converts before it sums, writes the answer down, and tells you when it moves.

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How a position is assembled

BalancesEvery company balance, per currency

NormalisedConverted at the rate actually in use

AggregatedUtilisation and reserve ratios computed

CapturedWritten as an hourly and daily snapshot

No balance is shown here. What a business holds is its own information, and a sample figure on a product page is a number somebody would have to disown.

PositionsFrom real balances

SnapshotsHourly and daily

AlertingThreshold rules, deduplicated

BooksTrial balance and close

Continuous

Six conditions, watched.

A treasury team should not have to remember to look. These are the conditions BINK evaluates on its own, each raising an alert that a person acknowledges and resolves.

ConditionRaises an alert when

Liquidity coverageCover falls below what near-term outflows require

Funding gapCover falls far enough to be treated as critical

Currency concentrationToo much of the position sits in one currency

Hedge coverageRecorded hedges no longer cover enough of the exposure

Stress scoreThe combined stress measure passes its ceiling

Survival horizonProjected cover runs shorter than the configured horizon

Trigger levels are configuration and are not published here. Repeats are suppressed inside a cooldown, so a persistent condition stays one alert rather than becoming noise.

The chain

Balance to forecast.

Four steps, and the order matters: converting after summing is how mixed-currency totals become confidently wrong.

ObserveReal balancesCompany balances read directly, per currency.
ConvertAt live ratesNothing is summed across currencies un-converted.
SnapshotWritten downThe position is persisted, not recomputed from memory.
ProjectWith confidenceA forecast that states how much to trust it.

What treasury does

Evidence, then judgement.

The system's job is to produce a position nobody has to argue with. Deciding what to do about it stays with the people accountable for it.

Positions, not estimates

Every figure is derived from balances that exist. There is no sampling, no extrapolation and no cached total standing in for a real one.

Converted before summed

Cross-currency totals are normalised through the rate actually in use before aggregation, so a position is never a mixture of units pretending to be a number.

Forecasts that hedge

Projections carry a confidence score and label, and degrade explicitly when there is not enough history to support them — a low-confidence answer instead of a confident wrong one.

Alerting with a lifecycle

Threshold breaches raise an alert that can be acknowledged and resolved, with repeats suppressed inside a cooldown so one condition does not become a hundred notifications.

Stress scenarios

Positions are tested against defined outflow scenarios from ordinary through extreme, so the question is not only what you hold but what you would still hold.

Books you can close

Cash position, trial balance with export, a chart of accounts, accounting-period close and wallet reconciliation runs — the operations a finance team actually performs.

Operational detail

How it behaves.

What is computed, what is recorded, and — just as usefully — what stays a human decision.

BINK does not run automatic sweeps, does not hedge automatically, and does not claim external funding lines or banking partners behind these positions. Rebalancing and hedging are operator actions, recorded as such.

Snapshot cadence: Hourly and daily. Each is persisted, so a past position can be read back rather than recomputed from data that has since moved.
Run-rates: Inflow and outflow rates are aggregated from settled payments, completed payouts and settled records — real events, not projections of them.
Value at risk: A one-day parametric figure is produced and is treated in the code as an approximation. It is a planning aid, not a guarantee, and BINK describes it that way.
Reserve: A configurable portion of merchant volume is retained for a defined hold period, with an adequacy report computed from real volume and real releases.
Hedging: Currency exposure is measured and hedge positions are recorded by an operator. There is no automatic hedging.
Rebalancing: Moving liquidity between currencies is an operator action with a sufficiency check. BINK does not run scheduled sweeps and does not claim to.
Access: Treasury operations sit behind role permissions and network restrictions, and every action is attributable to the person who took it.