Nilus

Every CFO has sat through a demo where the word "agentic" did most of the work. A chat window. A cash question. A number appears. Someone says "AI." That's a chatbot with access to a balance sheet. It's not agentic AI. Here's the actual distinction - and why it matters more in 2026 than it did in 2025: 💡 A chatbot answers questions. A dashboard shows charts. RPA follows rules. 💡 An agentic system reasons through a workflow, acts inside your governance rules, and is accountable for the outcome - with a full audit trail and reversible controls. For treasury, that's not a subtle difference. It's the difference between a tool you can defend to a board and one you can't. Four things converged in 2026 to make this urgent: 👉 Higher rates mean idle cash is more expensive to miss 👉 Multi-entity complexity has outpaced what manual teams can consolidate in real time 👉 AI forecast accuracy on 13-week cash has crossed 88-92% in production environments 👉 Agentic treasury has moved from pilot to production - this year We wrote the definitive guide on what makes an AI system truly agentic for treasury: the five attributes that have to be present, how deterministic agents differ from probabilistic LLMs, the four autonomy levels CFOs use to govern the system, and how the audit trail maps to NIST AI RMF and ISO 42001. If your team is evaluating AI for forecasting, liquidity, or reconciliation in 2026 - this is the framework to start with: https://lnkd.in/eYrUFh7d #AgenticAI #TreasuryManagement #CFO #CashForecasting #FinanceTransformation #LiquidityManagement

Your cash application process is slow, not your AR team. For finance teams at $200M+ companies, matching incoming payments to invoices by hand can consume 2–3 full-time employees - at $150K–$300K a year in loaded labor cost - just to apply cash you've already collected. The real cost isn't just headcount. It's the delay between cash hitting the bank and your treasury team being able to use it. Here's what breaks at scale: → Remittance arrives late, incomplete, or outside the ERP → Multi-entity payments post to the wrong receivable record → PSP deposits bundle dozens of transactions into one net settlement → Short-pays sit unresolved because no one owns the approval path → Exceptions pile up at close - exactly when capacity is tightest AI-led cash application can flip those numbers: 90-98% straight-through posting, under 15 seconds per payment, and same-day exception routing. But faster posting only matters if that cash data is actually usable downstream - in reconciliation, cash reporting, and the 13-week forecast. That's where most standalone AR tools stop. And where the real gap in the process lives. We wrote a full breakdown of how connected cash application works, what the benchmarks actually look like, and where the operating case is strongest - for PE-backed roll-ups, healthcare groups, high-volume ecommerce, and multi-unit businesses: https://lnkd.in/eFARWFSz #CashApplication #AccountsReceivable #TreasuryManagement #FinanceOperations #CFO #FinanceTransformation

The front end looks clean. The back office? Total chaos. That's the PayPal Paradox - and it's a big part of what inspired our founder Daniel Kalish to build Nilus. Daniel sat down with Allen Kopelman on B2B Vault - The Biz To Biz Podcast to talk about what working at PayPal revealed about the messy reality hiding behind elegant payment UX - and why that gap is exactly where treasury agents belong. 🎙️ Watch the full episode here: https://lnkd.in/eZ3XKC98

Delta drop incoming! YES - today we've launched two new Delta courses that are now live on the Nilus Delta academy: 🤖 Claude for Treasury - brought to you by the one and only Mike Dion with Mike's AI for Finance 📊 AI-Ready Data - Governance from Ingestion to Impact - brought to you by the phenomenal Sonny Spencer BFP FCA A massive thank you to Mike and Sonny for the incredible dedication, brainpower, and heart they poured into these courses. You've built something truly special, and finance teams everywhere are going to feel the impact. 👏 But we're going even bigger: The full Delta course catalog is now available on the Nilus YouTube channel - completely free: https://lnkd.in/eif8MkWB Why? Because we've built the Delta so that CFOs, treasurers, and finance teams can have full access to world-class, practical knowledge that makes a real difference in their day-to-day work. Keeping that behind a wall didn't feel right. So here we are - opening the doors wide. ✅ Prefer a structured learning experience? Head to academy.nilus.com ▶️ Want to browse and learn on your own terms? Find us on YouTube The future of finance is being built right now, and we want you in it. Share this with your network & let's get this knowledge where it needs to go! Here's a little bite in the meantime 👇

12 portals. 1 click. In this clip from our recent webinar, Moshe Simantov shows how a Nilus agent consolidates your full cash position across every entity and bank account before you've had your morning coffee. Currency exposure. Anomalies. Next steps. All surfaced automatically. Tab-switching? Manual aggregation? Please. That's so 2021. #Treasury #AgenticAI #CashManagement #CFO

Most CFOs have a visibility problem they're just not willing to admit. $3.2M sitting in an operating account at 0.05%. $4M drawn on the revolver at 8.25%. Nobody noticed for six weeks. That's $720 a day - not from a bad decision, but from a gap in the data. We broke down exactly how idle cash hides in multi-entity companies, what it's actually costing you (hint: it's not on any line item), and the 5-step framework to detect and deploy it continuously. If you're running a PE roll-up, an insurance platform, or any business with 5+ entities and $25M+ in aggregate cash - this one's definitely worth a read: https://lnkd.in/eJUnKFap

We don't take it lightly when someone shares an experience like this unprompted. Stephany Kirkpatrick, CFP® has seen treasury operations from every angle - as a founder, as a payments leader at Orum, and now approving a $600 wire with an RSA key and a UI from 2007. Her post captures, better than we ever could, exactly why we're building what we're building. Thing is - the friction she describes is the norm. And it falls on smart, high-agency people who deserve better tools. Thank you, Stephany - for taking the time to share this, and for getting it so precisely right. It means everything to this team! 🩵

It's 7:48am on a Monday. The sponsor's operating partner just pinged on Slack: "Can we get a consolidated cash position across the platform by noon?" You open the spreadsheet. 47 tabs. One per agency. The Ohio Controller is on PTO. The Florida acquisition isn't in the file yet. Three tabs mix trust accounts with operating cash. It's 11:46am. You're on tab 32. And the numbers you do have are already stale. This is the Monday morning reality for CFOs running PE-backed insurance roll-ups, and it's one of the most complex treasury environments in private equity. We just published a deep guide on exactly this. It covers: 👉 Why insurance roll-ups have the most complex treasury in PE (entity count, premium trust accounts, carrier reconciliation, covenant complexity) 👉 The 5 treasury workflows that separate manual chaos from automated control - and what each costs in time 👉 A maturity model from agency-level spreadsheets to AI-powered real-time visibility 👉 What it looks like when the same Monday morning starts with a 5-minute answer instead of a 4-hour scramble If you're a CFO, Controller, or PE operating partner navigating a roll-up - this one's just for you. Read it here: https://lnkd.in/ecrx3mDH

Our co-founder & CEO Daniel Kalish recently appeared on the B2B Vault - The Biz To Biz Podcast podcast with Allen Kopelman, and boy - was it a good one. B2B Vault is a top 25 Business podcast in the US, and the two sat down for an honest conversation about building B2B payment infrastructure, what it takes to stand out in fintech, and the real lessons behind growing Nilus. A few highlights from the episode: → Why the B2B payments space is ripe for transformation and what that means for finance teams today. → The mindset it takes to build something meaningful in a competitive landscape. → Hard-won lessons from the journey of building Nilus from the ground up. The future of finance is real-time, automated, and built for the people doing the actual work, and it's conversations like these that make these realizations abundantly clear. Catch the full episode here: • Spotify - https://lnkd.in/eSGV-jki • Apple Podcasts - https://lnkd.in/edvESk4c • YouTube - https://lnkd.in/eZ3XKC98 Thanks Allen and the B2B Vault team! 🙏

Should tresury build its own tools? This is one of the most important questions in treasury right now, and our co-founder & CEO Daniel Kalish is heading into the ring to tackle it. Next Thursday, May 14th, Daniel will be joining a Build vs. Buy panel discussion hosted by the one and only Tracey Knight from Real Treasury, alongside James Kelly and Tanya Kohen, CTP. As AI makes it increasingly easy for treasury teams to spin up their own solutions, the build-vs-buy question is no longer theoretical. It's a real decision CFOs and treasurers are wrestling with right now, and one that sits right at the heart of what we're building at Nilus. Although great treasury solutions shouldn't require your team to become engineers, we also know the landscape is changing fast - and finance leaders deserve a clear-eyed framework for navigating it. That's exactly what this panel is about. If you're a treasury or finance leader thinking about where to draw the line between building and buying - don't miss this one. Thursday May 14th @ 12pm ET / 9am PT Grab your spot here: https://lnkd.in/eTMQ9ypc