ZENBANK · TREASURY INTELLIGENCE

Know what cash is available, restricted and committed — right now.

ZenBank sits above banks, ERP, debt schedules and governed documents to classify every rupee, reconcile activity and give leaders one source-linked financial position — without replacing the systems they already run.

Replaces spreadsheet-driven treasury operations. Agents run continuously. Every decision is logged in an immutable audit trail.

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ZENBANK · GROUP POSITIONLIVE

What is our free cash right now?

₹214.06Cr

Usable after restricted and committed · 20 accounts across 5 banks

HDFC Bank · 6 accounts₹18.24 Cr
ICICI Bank · 4 accounts₹9.40 Cr
Restricted (RERA escrow)−₹41.10 Cr
Committed (approved payables)−₹27.40 Cr

Every figure traced to its source records

Illustrative demo data · not customer results

24/7AGENTS RUNNING

ContinuousRECONCILIATION

13-weekROLLING FORECAST

Source-linkedEVERY FIGURE

11:42Bank balance refreshedHDFC · 12 accounts11:42Position recomputed₹214.06 Cr11:43Variance detected₹1.4 Cr11:43Forecast recalculated13 weeks11:44Evidence attachedSAP · 8 records11:44Approval requestedTreasury11:42Bank balance refreshedHDFC · 12 accounts11:42Position recomputed₹214.06 Cr11:43Variance detected₹1.4 Cr11:43Forecast recalculated13 weeks11:44Evidence attachedSAP · 8 records11:44Approval requestedTreasury

HOW THE PRODUCT OPERATES · NOT CUSTOMER RESULTS

One layer. All your systems.

Plug in your banks, ERP, CRM and spreadsheets without disrupting your existing setup. ZenBank cleans, standardises and reconciles data in real time — so you get a single, trusted view.

BUILT FORTreasury headsCFOsCEOsPromotersMulti-entity finance teams

+ 20 more connectors

ZenBankData Fabric

Clean dataNormalised, deduplicated

Reconciled entriesMatched across sources

Source evidenceEvery figure traceable

Audit trailImmutable decision chain

The position is assembled by hand, and it is out of date on arrival.

Cash, debt and compliance data live in different banks, entities and spreadsheets. By the time a group position is compiled, the balances behind it have already moved.

72 hrsTYPICAL AGE OF A HAND-BUILT POSITION

SOURCE SYSTEMS

Bank feeds5 banks · 38 accounts₹184.2 Cr

ERPSAP S/4 · Oracle₹41.8 Cr

InvoicesReceivables ledger₹22.4 Cr

PaymentsPayables run-₹11.9 Cr

SpreadsheetsManual entriesunverified

GROUP CASH POSITION

₹214.06CrAvailable · 37 entities · 5 banks

Bank balances₹184.2 CrReceivables₹41.8 CrPayables-₹11.9 Cr

ASSEMBLED BY HAND · 72 HRS OLD

₹214.06 Cr→ASSEMBLED BY HAND72 hours old on arrival

Multi-bank, multi-SPV

A single liquidity control tower spanning every bank account, SPV, project and currency.

Deterministic AI workforce

Specialist agents, each with its own tool registry, operating continuously across the treasury.

Immutable audit trail

Every agent decision, tool call and data mutation is logged — in a technical view and a CFO narrative.

Six steps from connected source to posted evidence.

ZenBank transforms raw data from your systems into verified, source-linked intelligence — so every number is accurate, explainable and audit-ready.

₹214.06Cr

gross ₹274.56 Cr − restricted ₹60.50 Cr

₹214.06 CR USABLE2.7× LIQUIDITY30-DAY FORECAST

QUESTION

Can every finance source be read as one current position?

CALCULATION

Ingest and normalise 20 bank accounts plus ERP, CRM and document feeds.

RESULT

Five source classes become one read-only financial view.

EVIDENCE

Sync time, source owner and original record stay attached.

Ask a question. Follow the answer to its source.

Every answer is computed from governed source data, shown as a figure and a chart, and carries the records it was built from. Pick a question to run it.

Computed from source · 4 checks passed

₹214.06CrUsable after restricted and committed

SOURCE EVIDENCE

ILLUSTRATIVE DEMO DATA · NOT CUSTOMER RESULTS

₹214.06 Cr→QUESTIONEDEvery figure traced to its source records

Four agents. Each with a boundary.

Every agent owns one domain and carries its own tool registry. Routine work proceeds; judgement and authority stay with your team.

RUNNINGApproval required for write-back

Reconciliation agent

Which bank movements still need finance attention?

CALCULATION: Scores amount, payer and date proximity across incoming statements and open ledger items.
RESULT: 12,481 transactions checked · 96.8% matched · 3 exceptions isolated
EVIDENCE: Bank row + ledger entry + confidence score retained for every match

WHAT IT DOES CONTINUOUSLY

Matches bank credits to payment demands continuously
Scores on amount, payer name and date proximity (60/30/10)
Auto-confirms only above a configurable threshold
Flags unknown payer, excess payment, wrong escrow
Explains every exception it raises

₹214.06 Cr→GOVERNEDEvery agent action bounded by an approval rule

Agents at work, not agents on a diagram.

Every action an agent takes is logged with its time, its source and the evidence behind it. Nothing happens that you cannot replay.

AGENT ACTIVITY · LIVE

11:42Bank balance refreshedHDFC · 12 accounts

11:43Variance detected₹1.4 Cr vs forecast

11:43Forecast recalculated13-week rolling

11:44Evidence attachedSAP · 8 records

11:44Approval requestedTreasury sign-off

₹214.06 Cr→RECONCILEDVariance investigated, evidence attached

Agents handle the routine. You keep the decisions.

Every threshold is configurable and every action is traceable. Autonomy is granted per agent, not assumed.

Automated

RUNS CONTINUOUSLY

Bank statement reconciliation
Payment document processing
Routine compliance checks
Cash position calculation
Statutory dues filing prep
Report and briefing generation

Human controlled

REQUIRES APPROVAL

Investment and compliance decisions
Payments above configured thresholds
Covenant breach responses
Escrow withdrawal approvals
Refinancing decisions
Any exception the agents flag

Connect the systems you already run.

A connector framework with test-connection, encrypted credentials, scheduled sync and per-connector error logging. Availability is confirmed during scoping.

CONNECTOR STATUS8 CONNECTED · READ-ONLY BY DEFAULT

HDFC eNetBankingBANKbalances · txns210ms

ICICI CIBBANKbalances · txns260ms

Axis ConnectBANKstmt + payment init340ms

SAP FSCMERPAR / AP · GL180ms

Tally PrimeERPjournal posting150ms

SalesforceCRMcustomer records240ms

State RERA portalREGregistration · renewals620ms

Document storeDOCSCSV / XLSX ingest200ms

TEST-CONNECTION PASSEDCREDENTIALS ENCRYPTEDSCHEDULED SYNC RUNNING

BANKS

HDFC eNetbanking

ICICI CIB

Axis — statements + payment initiation

Real-time balance and transaction feeds

ERPS

Tally — journal entry posting

SAP — FSCM AR/AP

Salesforce — customer records

REGULATORS

State RERA portals

Registration and renewals

Complaint tracking

COMMUNICATION

WhatsApp via Twilio

Email

Voice call scheduling

FILE INGESTION

Bank statements (CSV / XLSX)

ERP trial balance

RERA project registry

Controls remain visible from connection to action.

Security, deployment control and evidence remain part of the operating workflow—not a separate layer added after the decision.

Immutable audit trail of every agent decision, tool call and data mutation

Two audit views — technical per-tool-call and CFO narrative

Role-based access: admin, CFO, treasurer, analyst, approver, operations

Configurable agent autonomy — which agents auto-execute, and at what threshold

Read-only access on production systems

Approval workflows and delegation for L1 / L2 sign-off

CONTROL CHAINHELD AT HUMAN SIGN-OFF

Agent proposesSweep drafted · ₹9.43 Cr net out

AUTOMATIC

Policy checkThreshold, entity scope and cash type

AUTOMATIC

Role checkRBAC · treasurer + approver required

AUTOMATIC

Human sign-offL1 / L2 delegation · nothing auto-executes

AWAITING

Posted + loggedGL entry written · immutable audit trail

AUTOMATIC

₹9.43 Cr sweepPrepared, not executed

More clarity. Faster decisions.

Finance teams use ZenBank to reduce manual work, improve accuracy and make faster, more confident decisions.

From data
to decisions,
in real time.

80%Less manual work

99%+Accuracy with source links

50%+Faster close cycles

HigherVisibility and control

Questions treasury and finance teams ask first.

ZenBank × ZenCollect

Predicted collection dates from ZenCollect feed ZenBank's 7, 30 and 60-day liquidity forecasts, so revenue prediction and treasury planning operate as one loop.

Explore ZenCollect →

One position. Every entity. Every account.

See ZenBank run against a working multi-entity treasury.

Book a Demo →Explore the technology