From spreadsheets to strategy: how digital tools reinvent corporate cash management

For decades, treasury management has been largely manual. Relying on spreadsheets, emails, and fragmented tools. But in 2025, businesses are starting to embrace digital treasury platforms to transform cash management from an operational task into a strategic advantage.

At the heart of this change is the ability to automate processes, track performance in real-time, and make decisions based on accurate data. In an increasingly complex financial environment, digital tools are helping companies optimize liquidity, maximize returns, and reduce risk.

The evolution of treasury management

Traditionally, managing corporate cash has involved reconciling multiple bank accounts, tracking payments manually, and relying on static reports. This created inefficiencies, delays, and missed opportunities.

With digital treasury platforms, this process is fully automated and much more dynamic:

• Real-time visibility into cash flow and liquidity positions,
• Automated cash allocation to investment vehicles,
• Predictive analytics for forecasting and stress testing liquidity needs.

As a result, companies can respond to market changes in real-time and reallocate cash for maximum impact.

Why digital tools matter for corporate treasury

1. Efficiency and automation
   Digital platforms eliminate the need for manual data entry and reconciliations, reducing human error and freeing up valuable time for strategic decision-making.
2. Data-driven insights
   With accurate, real-time data, treasury teams can better forecast cash flow, assess risk, and track performance. This enables smarter, faster decisions.
3. Cost reduction
   By optimizing cash allocations and reducing manual processes, businesses can cut costs associated with poor cash management. Lower fees and greater transparency ensure funds are deployed efficiently.
4. Improved liquidity management
   Digital platforms allow businesses to automate their investment strategies, ensuring excess liquidity is always working. Whether in money market funds or ESG bonds like Amundi High Yield ESG.

How Velesios simplifies treasury for SMEs and large enterprises alike

Velesios brings institutional-grade treasury management tools to both SMEs and large enterprises, enabling seamless access to advanced financial products without complexity:

• Simple account opening: businesses and individuals can open securities accounts directly through Velesios.
• Automated execution and reporting: the platform integrates with Interactive Brokers for execution and custody, offering an efficient, low-cost experience.
• Flexible liquidity: Smart Overnight ETF offers daily liquidity while tracking euro money-market rates, while High Yield ESG focuses on medium-term yield with ESG criteria.
• Lower costs: Velesios aggregates orders, reducing transaction costs and ensuring businesses get the most value out of their liquidity.

Conclusion

2025 marks the year where digital treasury tools are no longer optional. They’re essential. By adopting solutions like Velesios, companies can optimize cash management, improve liquidity efficiency, and access high-quality investments with low fees.
In a world where time is money, digital tools allow businesses to act faster and make smarter decisions.

FAQ: digital treasury tools and benefits

What’s the main advantage of using a digital treasury platform?
It offers automation, real-time data, and transparency, which leads to faster and smarter decision-making.

Can SMEs benefit from digital treasury?
Yes, Velesios makes advanced treasury management accessible to businesses of all sizes.

What’s the cost of using Velesios?
Velesios reduces fees by aggregating orders and partnering with Interactive Brokers for low-cost execution.

Is Smart Overnight only for short-term cash?
Yes, Smart Overnight is ideal for liquidity management, providing daily interest accrual and flexibility.

Sources & references

• Banque de France – Deposits of non-financial corporations
  
• Amundi – EUR High Yield Corporate Bond ESG UCITS ETF (LU2346257210)
  
• European Central Bank – Deposit Facility Rate