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Finmo Tech Pte Ltd
About the Organisation
Finmo is a global fintech company transforming how modern finance teams manage cash and treasury operations, backed by PayPal Ventures, Citi Ventures, and Quona Capital. Purpose-built for today's cross-border businesses, its TreasuryOS delivers connected financial intelligence by bringing together data from bank accounts, accounting platforms, ERP systems, and other financial tools, giving CFOs real-time visibility, control, and foresight. Beyond insights, Finmo empowers action. Through its global payments network and cash management offerings, finance teams can move money, optimise liquidity, and manage FX risk, all within a single intelligent platform. The result is a business that acts faster, scales smarter, and operates with confidence in an increasingly interconnected economy. Today, Finmo holds 11 licenses across 8 key markets, including Singapore, Australia, Hong Kong, Dubai, the United Kingdom, New Zealand, Canada, and the United States. Learn more at www.finmo.net
Products and Services
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TreasuryOS
TreasuryOS is Finmo's AI-native treasury operating system, unifying cash management, financial intelligence and global payments in one platform. It connects existing banks, ERP and accounting systems to provide consolidated multi-bank cash visibility, cash flow forecasting, liquidity management, treasury analytics and actionable insights across entities, currencies and markets. Built on Finmo's global payments and licensing infrastructure, TreasuryOS connects intelligence with execution. Businesses can collect, hold, convert and move money domestically and cross-border across both fiat and stablecoin rails, automate treasury workflows and reconcile payments - enabling finance teams to manage their global financial position and make smarter payment and treasury decisions from a single operating layer.
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Multi-Currency Business Account with Cash Intelligence
Finmo's Multi-Currency Business Account lets businesses collect, pay and convert globally, with AI-native cash intelligence built in. Businesses connect existing bank accounts across multiple banks and entities alongside their Finmo accounts, creating one centralised view of cash, not just the money held with Finmo. Finance teams can anticipate cash needs, identify potential shortfalls and flag unusual movements - capabilities traditional business accounts don't offer, because they move money without giving visibility into it. The account covers the essentials for operating globally: collect in 45+ currencies, hold 27+ without forced conversion, pay out to 195+ countries via local and international rails, with real-time payments, FX and like-for-like settlement. Integrations with NetSuite, Xero, QuickBooks and Sage connect the wider finance stack.
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MO AI
MO AI is the intelligence layer of Finmo's TreasuryOS, helping CFOs and finance teams move beyond reporting and automation into applied financial intelligence. It works alongside finance leaders to anticipate risks, surface opportunities, evaluate options and highlight what needs attention. At the same time, it continuously analyzes cash, liquidity, payments and treasury data to proactively surface insights relevant to day-to-day financial management. Because MO AI is embedded within a platform that unifies treasury and payments, its intelligence can also be operationalized through the same system - connecting insight, decision and execution.
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Cash Management
Finmo's Cash Management solution gives finance and treasury teams a centralised view of cash across multiple banks, accounts, entities and currencies. By connecting existing bank accounts and financial systems, businesses can consolidate cash positions, historical and projected cash flows, and reconciliation in one place. Instead of relying on spreadsheet-heavy processes that require time-consuming data gathering, manual consolidation and constant updating. Beyond visibility, the Cash Management solution helps businesses plan ahead with 13-week rolling cashflow forecasts, custom forecasting periods and scenario planning. Teams can model changes such as delayed receivables, FX movements or increased payment runs to understand their impact on future liquidity; creating ease in anticipating funding requirements, managing working capital and making more informed cash decisions.
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Stablecoin Payments
With Finmo's Stablecoin Payments solution, merchants can collect and pay in stablecoins alongside fiat payments. Businesses can receive stablecoins, convert them into fiat for onward payments, or use stablecoins directly for supported payment flows. This gives merchants a simple way to operate across both traditional and digital payment rails.
