Finmo for FIs & Banks

Global cash and liquidity management for financial institutions

Deliver advanced treasury and payment capabilities for financial institutions through a secure, API-first, white-label treasury management platform. Power your clients with real-time visibility, cross-border payments, liquidity optimisation, and FX management without complex infrastructure builds.

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Why Finmo for Financial Institutions?

Connected financial intelligence and control

Finmo provides API treasury solutions for banks looking to modernise banks treasury management without replacing core systems. Our white label treasury management platform enables financial institutions to embed global cash and liquidity management, payments, forecasting, and FX capabilities directly into their digital channels - fast, secure, and scalable.

Modular infrastructure

A proven white‑label treasury platform

Use our existing infrastructure to deploy a complete enterprise-level white-label treasury management platform from a single API integration and bypass years of development time. Or, enhance your existing experience using individual products from our modular stack.

Connected dashboard

Unify bank accounts, ERPs and accounting software, via pre-built integrations – to create one financial command centre.

Cash visibility

Connect financial data across banks and softwares to get real-time visibility of cashflow.

Payments

Enable cross-border treasury and payment capabilities for financial institutions. Collect and pay globally with embedded FX.

AR/AP automation

Streamline receivables and payables with integrated workflows within your white label treasury management platform.

Cash forecasting

Forecast faster and further with granular analysis and dynamic modelling of future cash positions.

Working capital optimization

Optimize working capital with smarter FX hedging to reduce risk, and safe, no lock-in investments.

Customer retention

Keep customers on side

Integrated white-label treasury management and payment capabilities are becoming mission-critical for modern CFOs and finance teams. By embedding global cash and liquidity management into your banks treasury management offering, you can reduce churn and increase additional cross-selling opportunities.

Revenue opportunities

Create new revenue streams

Depending on the partnership model you choose, Finmo offers a wide potential for new revenue streams ranging from FX conversion and transaction fees, to subscriptions for advanced services or lending short-term working capital.

Our models

Ways to partner with us

Choose the right treasury partnership model for your financial institution

White-Label treasury platform

Finmo’s infrastructure, your brand

You control the customer relationship and regulatory compliance. We provide the infrastructure and create a suitable shared revenue model.

API integration

Add specific modules to your platforms

Deliver best in class functionality by embedding treasury modules from our platform including real-time payment capabilities and automated risk management.

Co-branded treasury solutions

Joint go-to-market, shared branding

Partner with Finmo to target businesses that need your financial or banking services, supported by modular treasury capabilities. A shared venture with shared responsibilities.

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Future-facing

Expert support to deliver success

Driven by passion and dedicated to innovation, Finmo’s executive team has over 100 years combined experience launching and leading globally recognised fintech, payments, and compliance companies.

Continuous innovation

Ongoing product development and clear roadmaps.

Dedicated integration teams

Collaborative teams combining technical resources from both sides.

Performance monitoring

Regular business reviews and optimization based on feedback.

On-call support

Dedicated customer success team with 7-day a week support.

Data security & segregation

Control your customer data

Our white-label treasury management platform is built on secure, multi-tenant architecture with strict data segregation. Whether deploying full global cash and liquidity management or modular API treasury solutions for banks, customer data remains isolated, compliant, and fully under your institution’s control.

Discuss a partnership

Take 10 minutes to watch our walkthrough. Or get in touch to speak to our partnership team.

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FAQs

Frequently asked questions about embedded finance and banking

What is embedded treasury for financial institutions and banks?

Embedded treasury is the integration of treasury and payment capabilities directly into a financial institution’s digital platform. It brings together account data, cash positions, payments, and risk information in real time, enabling a unified treasury experience for end clients. This approach supports modern banks’ treasury management by reducing reliance on fragmented systems and multiple external portals.

How does Finmo’s white-label treasury platform work for financial institutions and banks?

Finmo provides a modular, API-first white label treasury platform that financial institutions and banks can deploy under their own brand. Using a single integration, you can embed selected capabilities—such as connected dashboards, global payments, FX, or liquidity tools—into existing digital channels. This allows institutions to deliver embedded finance functionality while retaining control over the customer relationship and regulatory responsibilities.

Should banks build treasury infrastructure in-house or partner with a white-label provider?

Banks can build treasury infrastructure internally, but doing so requires significant investment in technology, regulatory oversight, cross-border payments connectivity, and ongoing product development. It often involves multi-year timelines and dedicated specialist teams across treasury, compliance, and engineering.

Partnering with a white-label treasury provider allows banks to accelerate time to market by embedding global cash and liquidity management, payments, and FX capabilities through API-first infrastructure. Solutions like Finmo enable financial institutions to deliver modern treasury and payment capabilities under their own brand while retaining customer ownership and regulatory control without the complexity of building from scratch.

The right choice depends on strategic priorities: full in-house control with higher execution risk and cost, or faster deployment with scalable infrastructure and reduced operational burden.

How does Finmo help safeguard customer and transaction data?

Finmo is built with enterprise-grade security controls to protect customer and transaction data. Its multi-tenant architecture ensures strict data segregation between partners, while encrypted data handling, audited APIs, and role-based access controls help maintain security across embedded finance and treasury workflows. This ensures customer data remains firmly under the control of each financial institution.

How long does it take to implement a white-label treasury platform?