Manual cash pooling is a high-latency, error-prone process that leaves millions in idle balances earning minimal interest while other entities pay for external credit. A custom automation workflow eliminates this operational drag by connecting directly to bank APIs (SWIFT, host-to-host) and ERP systems (SAP, Oracle) to calculate net positions across all entities and currencies in real time. The system then autonomously executes notional or physical pooling instructions, capturing interest arbitrage and reducing borrowing costs. This requires robust controls for regulatory compliance, intercompany accounting, and policy limits on transfer amounts.




