Question 1

What is cash positioning in treasury?

Accepted Answer

Cash positioning is the process of aggregating, organising, and analysing bank balances across all accounts, entities, and currencies to understand a company's real-time liquidity. It matters because treasury teams need to know not just how much cash they have, but where it sits, whether it's available, and what to do with it. In Palm, cash positioning goes beyond balance aggregation — you filter by entity, currency, region, or cash pool, separate free cash from restricted balances, and identify excess liquidity for investment or debt repayment, all from a single dashboard.

Question 2

Which banks and file formats does Palm support for cash positioning?

Accepted Answer

Palm is bank-agnostic. If your bank provides statement data — whether through API, host-to-host, SWIFT, or standard file formats like MT940, BAI2, or CAMT — Palm can ingest it. The platform supports connectivity with major global and regional banks and adds new integrations based on customer needs. Your existing banking relationships and connectivity stay intact.

Question 3

How frequently do cash positions update in Palm?

Accepted Answer

Palm ingests balance data automatically — prior-day closing balances and current-day opening positions are available as soon as bank statements are processed. No manual file uploads or portal logins required. Every account displays a "last updated" timestamp so you always know exactly how current your data is. For most organisations, the morning cash position is ready before your daily review starts.

Question 4

How do I distinguish free cash from restricted cash?

Accepted Answer

Palm segments your cash position into free cash, restricted balances, and investable surplus. This means treasury teams can see at a glance which cash is genuinely available for deployment versus locked by pooling structures, minimum balance requirements, or regulatory restrictions. Accounts approaching minimum balance thresholds are flagged automatically, so you spot liquidity constraints before they become problems — not after.

Question 5

Can I connect all of my bank accounts to Palm?

Accepted Answer

Palm offers premium API connectivity with the largest cash management banks globally. If your bank does not provide adequate APIs, we can leverage host-to-host connectivity. We are constantly expanding our bank list, speak to our team to learn about where we currently have connectivity.

Question 6

How is cash positioning different from looking at bank balances in a TMS?

Accepted Answer

A TMS typically shows you aggregated bank balances — a flat list of accounts and their closing positions. Cash positioning in Palm adds analytical dimensions on top of that data. You filter by entity, currency, bank, region, or custom account group and see consolidated totals update instantly. Palm also layers in cash pool intelligence — distinguishing sweep mechanics from real overdrafts — and liquidity segmentation that separates free cash from restricted balances. It's the analytical layer your TMS was never designed to provide.

Question 7

How do I get cash pool visibility?

Accepted Answer

Palm groups accounts by pool structure — physical pools, notional pools, and standalone accounts — and clearly labels header vs. participant roles. This means a negative balance on a pooled subsidiary is shown as a sweep, not an overdraft. You see the true consolidated pool position alongside individual account balances, so your morning review focuses on what actually needs attention rather than explaining away structural artifacts that mislead other platforms.

Question 8

Is Palm's cash positioning secure enough for enterprise treasury teams?

Accepted Answer

Yes. Palm is SOC 2 Type II certified and built for enterprise complexity. The platform uses a read-only architecture — it connects to your existing systems without write access — and all data processing happens within a secure, auditable environment. User permissions control which entities, accounts, and data each team member can access, and all activity is logged with a full audit trail for compliance.

Question 9

Does Palm replace my TMS?

Accepted Answer

No. Palm sits on top of your existing TMS and ERP infrastructure as an intelligence layer. Your TMS continues to handle payments and bank connectivity while Palm adds AI-powered forecasting, variance tracking, and scenario planning on top of the data flowing through your existing systems. You don't need to migrate, rip-and-replace, or run complex integration projects. Palm uses a read-only architecture, and most teams are live in weeks.

Question 10

What ERP and data source integrations does Palm support for forecasting?

Accepted Answer

Palm integrates with major ERPs including NetSuite, SAP, and Microsoft Dynamics, plus banking platforms via API and accounting systems. Batch uploads from Excel and CSV are supported for any source without a direct integration — tax payment schedules, talent cost forecasts, and similar category-specific data. Your existing data infrastructure stays intact, and Palm's read-only architecture means no changes to your ERP or banking setup.

Your TMS shows balances. Palm shows what to do with them

Dynamic dashboard views

From group-level down to any single account

Liquidity and investment visibility

Go-live in weeks.

Frequently asked questions

Get started with Palm