One view for every bank, entity, currency and ERP.
Take control ofyour cash.The treasurer for CEOs, CFOs and AI agents.
Your cash position needs attention
Cash is projected to fall below zero on Sep 13. Review the payments and receipts due before then.
What is behind this outlook?
Illustrative data — a sample company, not live customer data.
Cash flow forecasting, treasury and FX in one place, with AI-native scenario planning
Human-controlled AI automation with a complete audit trail
Cash Optimizer sees in real data what your AI agent guesses.
See shortfalls 13 weeks ahead
The problem
Fragmented treasury. Risky autonomy.
Today's workflows weren't built for AI-first companies — and the gap is widening fast.
- 01
High liquidity stress
€1m+ SMBs juggle cash across banks and entities with no real-time picture of what's actually spendable.
- 02
Excel-driven treasury
Manual planning, exports, and reconciliation eat days of finance team time every month.
- 03
Hallucinating AI agents
Generic agents act without financial context — risking unsafe spend, moves, and allocations.
- 04
Bank lock-in
Expensive bank dependencies and fragmented data prevent bank-agnostic optimization.
Outcomes
What success looks like.
Better cash outcomes, with a human approving every decision that moves money.
Maximized profit
Treasury routing, payment timing, and FX translation fees you'd otherwise leave on the table.
Guaranteed liquidity
Real-time available-cash truth — never run out, never over-commit, never freeze operations.
Saved time
Agents work inside human-defined guardrails, and a person approves every payment. No hallucinated money. Ever.
- See cash gaps 13 weeks ahead
- One view across banks, entities and currencies
- Every payment approved by a human
Product demo
See cash context become a decision.
Cash Optimizer
A cash layer built for both.
Cash Optimizer is the treasury and cash flow layer for companies and their AI agents: one verified cash position across banks, entities, currencies and ERPs that people and agents can check before they commit money — with a human approving every payment.
Verified cash truth
One cash position across banks, entities, currencies and ERPs. A 13-week forecast shows your low points.
Agent-ready
MCP and REST API access let agents check available cash and limits. Partners can embed cash context via API.
Guardrails
A human approves every bank order. An AI kill switch and full audit trail keep control with your team.
Connects to your stack
Sits between accounting and bank. Connect through APIs or CSV/file feeds; replace neither system. Currency exchange (FX) runs through the Monex integration.
Connect. Optimize. Execute.
Three steps from scattered exports to a payment batch your bank can import — you keep the final click.
- 01
Connect
Plug-in your systems for live data streams and the system will take care of the rest. No rip-and-replace — your stack stays the same.
- ERPs, banks, budgets, CRMs, etc
- Read-only / write-back where necessary
- Live in minutes, not months
- 02
Optimize
Get one live cash picture across your entities, banks and currencies. AI suggests when to move, split or hold payments — so you decide before a low point hits.
- 13-week cash forecast with liquidity low points
- Overdue receivables and partner payment trends
- AI suggestions: move, split, hold or just optimize
- 03
Execute
Turn the plan into a payment recorded in your ERP and bank with just one click. Approval stays in your systems — Cash Optimizer never moves money on its own.
- Payment batch delivered via API to your ERP and bank
- Human approval before any payment leaves
- Full log of every proposed and applied change
For people. For agents. One verified position.
Finance team
- See cash across banks, entities and currencies.
- Compare payment scenarios and their impact on the low point.
- Approve every payment and review the audit trail.
AI agents & partners
- Check available cash and limits through MCP before committing money.
- Access cash context through REST API.
- Embed cash context in partner products via API.
Your accounting. Your banks. Your cash. Your layer.
We do not replace your accounting system or your bank. We sit between them and keep one verified picture of cash across all of them.
Accounting & ERP
Systems of record
Your ledger stays the source of truth — we read from it and write payment batches back.
Currency & payment partners
Multi-currency flows
Multi-currency balances and transfers folded into one liquidity picture.
Currency exchange (FX) runs through the Monex integration.
Data & agent access
Custom connectors
DYPE has built data integrations for years. If your system has an API or an export, we can map it.
Coming 2027 · QuickBooks · NetSuite · Xero · Plaid
Explore integrationsSecurity & control
AI makes suggestions. People approve payments.
Every bank order requires human approval. Stop AI with the kill switch and review the full audit trail.
- 01
AI proposes
AI kill switch — stop AI at any time.
- 02
A human approves
Human approval on every payment
- 03
Executed and logged
Full audit trail
For the people responsible for cash — and the agents they build.
Founder / CEO
Check the cash position before making a financial commitment.
CFO / Controller
Plan liquidity across entities, banks and currencies with a 13-week forecast.
Accountant
Connect accounting and receivables to cash planning and payment preparation.
AI builder / ops team
Give agents cash context and limits through MCP and API.
Built for digitally run companies. Your accounting must be in an ERP or accounting system — not on paper.
VC & PE funds: see portfolio cash before it becomes a problem
Built by DYPE.
Finance department for startups and scaleups — a trusted partner of ambitious companies.
Selected DYPE clients. Logos represent DYPE’s track record and do not necessarily imply use of Cash Optimizer.
DYPE runs its own cash management on Cash Optimizer.
Cash Optimizer was not built as a side project. DYPE's own finance team plans liquidity, checks receivables and processes payments in it daily — before we ask any client to do the same.
Operated by Datové účetnictví s.r.o., Prague.
FAQ
Questions before you connect.
01Can an AI agent move money with Cash Optimizer?
No, a human approves every payment. Agents can check cash and limits through MCP; AI can propose payment scenarios. Every bank order is approved by a human.
02What is Cash Optimizer?
Cash Optimizer is the treasury and cash flow layer for companies and their AI agents: one verified cash position across banks, entities, currencies and ERPs that people and agents can check before they commit money — with a human approving every payment.
03Does it replace our accounting system or bank?
No. Cash Optimizer sits between accounting and bank, bringing cash context together without replacing either.
04What does the forecast show?
A 13-week cash forecast with low points, receivables and real partner payment behaviour. AI scenarios show the impact on the low point before payment preparation.
05How can agents and partners access it?
Agents can check available cash and limits through MCP before they commit money. Partners can embed cash context via REST API. CSV/file feeds are also supported.
Give your team and agents the cash context they need.
Start with the free Starter plan. Keep every payment under human approval.