We built Ko$ha for both of them.
You are the first proper treasury function.
This is you if...
- The CFO has asked 3 times when you're getting a proper system
- Every quarter-end involves a manual reconciliation sprint
- Payment approvals run on email threads and trust
- Your cash position is a spreadsheet someone updates each morning
- You've priced enterprise TMS — and walked away from the room
You already have a TMS. It just doesn't work.
This is you if...
- Your TMS generates reports but your team runs daily operations in Excel
- The last configuration change required a consultant and took 6 weeks
- You're on a support contract for a system nobody has opened in a month
- Your implementation team is long gone and the institutional knowledge left with them
- You're paying per-seat license fees for users who have stopped logging in
The false choice in the market is "expensive enterprise TMS or stay on Excel." Ko$ha is the third option that should have existed 10 years ago.
Enterprise treasury capability.
Mid-market price and timeline.
Ko$ha delivers 6 integrated treasury modules, SENTINEL-grade security and compliance, and a 90-day go-live pathway — built by the practitioners who've run treasury at Amazon and Expedia across 50+ markets.
Global Cash
$247.3M
↑ $4.2M
Accounts
24 / 24
✓ All reconciled
Forecast (13W)
$231.1M
End balance
13-Week Forecast
JPMorgan
USD
$128.4M
+1.2%
HSBC
GBP
£62.1M
+0.4%
Deutsche
EUR
€38.7M
-0.8%
Citi SG
SGD
S$18.1M
+2.1%
Live Alerts
Balance threshold
JPMorgan USD · Within range
Recon matched
HSBC GBP · 100% — 14 items
Late feed
Barclays · Statement delayed
The market gives you 2 options.
Both of them are wrong for you.
You are working on last night's data.
By the time your team consolidates bank statements, categorizes transactions, and updates the forecast — the data is already stale. Decisions get made on assumptions, not facts.
5 banks. 5 logins. 0 single view.
Multi-bank consolidation should not require manual effort. Treasury is spending its time on data gathering instead of decision-making. Every hour spent on spreadsheets is an hour not spent on strategy.
The enterprise TMS quoted you $800K and 18 months.
Enterprise TMS platforms are exceptional — for companies with dedicated TMS administrators and implementation budgets larger than your entire treasury headcount. That is not a product gap. That is a market gap Ko$ha was built to fill.
Your controls exist in email threads and institutional memory.
Payment thresholds, counterparty limits, FX parameters, approval chains — they exist, but they are not enforced at the system level. When the person who knows them leaves, so does your control framework.
Not a simplified TMS.
A complete one.
Ko$ha is not a starter product or a stripped-down version of something real. It is a full treasury management platform — 6 integrated modules, 20+ SENTINEL security and compliance components, and a 4-environment DevOps architecture that most enterprise TMS implementations do not provide.
The difference is how it was built. Every design decision in Ko$ha — what to show on the cash position screen, how to structure the forecast, what controls to enforce by default, how SAP reconciliation should actually work — was made by someone who has run treasury operations, not observed them.
Every other TMS was built by engineers who talked to treasury teams. Ko$ha was built by a treasury team who learned to code.
Cash Position
$247.3M
↑ $4.2M vs. yesterday
JPMorgan Chase
USD
$128.4M
+1.2%
HSBC London
GBP
£62.1M
+0.4%
Deutsche Bank
EUR
€38.7M
-0.8%
Citi Singapore
SGD
S$18.1M
+2.1%
Dashboard Preview · Ko$ha
Live
7 modules. Built to the depth
your auditors will ask about.
Know exactly where your cash is. Right now.
Real-time cash positioning across all your bank accounts — multi-bank, multi-currency, consolidated into a single view. Ko$ha pulls your bank data automatically, categorizes transactions, and surfaces your true cash position without manual intervention.
Short-term liquidity forecasting gives you a rolling 13-week view of inflows and outflows — so you are always working from what is coming, not what has passed.
Key Capabilities
- Multi-bank cash consolidation — real-time or same-day
- 13-week rolling liquidity forecast with scenario modeling
- BAI2 / MT940 / SWIFT electronic bank statement processing
- Cash concentration and notional pooling visibility
- Automated daily bank reconciliation
- Variance analysis: forecast vs. actual
Know exactly where your cash is. Right now.
Real-time cash positioning across all your bank accounts — multi-bank, multi-currency, consolidated into a single view. Ko$ha pulls your bank data automatically, categorizes transactions, and surfaces your true cash position without manual intervention.
Short-term liquidity forecasting gives you a rolling 13-week view of inflows and outflows — so you are always working from what is coming, not what has passed.
- Multi-bank cash consolidation — real-time or same-day
- 13-week rolling liquidity forecast with scenario modeling
- BAI2 / MT940 / SWIFT electronic bank statement processing
- Cash concentration and notional pooling visibility
- Automated daily bank reconciliation
- Variance analysis: forecast vs. actual
One argument. Not a feature list.
Built by a treasury team who learned to code — not engineers who talked to one.
Every other TMS on the market was built by product and engineering teams who interviewed treasury professionals and translated their requirements into software. Ko$ha was built by the practitioner who ran treasury technology at Amazon, directed implementation across 50+ markets at Expedia, and delivered SAP TRM at organizations ranging from Pitney Bowes to government agencies.
Cash Management
17 sub-components — intraday waterfall, fee analyzer, sweep proposals, forecast variance tracker
SENTINEL Module
20 compliance components — SOX audit trail, COSO ERM, OFAC screening, BEC fraud detection
Environment Architecture
Sandbox → Dev → UAT → Production with Sentinel-controlled promotion gates
AI-Native Deployment
AI agent configures the system at onboarding and improves it continuously post-go-live
Native benchmarking. No other TMS has this.
NaviStrat's Benchmarking engine is already live. Ko$ha connects to it natively — so your cash position, bank fees, and liquidity ratios are automatically compared to peers in your industry and size band. You do not just see your numbers. You see whether your numbers are good. No other TMS on the market offers this.
SAP-native by design — not by integration.
For SAP-running companies, ERP integration is the biggest implementation risk in any TMS project. Ko$ha was designed around SAP — S/4HANA, ECC, or hybrid — with pre-built connectors, field mapping logic, and reconciliation workflows that reflect how SAP actually works. Implementation in weeks, not months. No separate PS engagement required.
Advisory included. Not sold separately.
Every Ko$ha subscription includes implementation support, quarterly treasury health reviews, and access to NaviStrat's Navigator network. Most TMS vendors hand you a system and leave. We stay. The platform pays for itself; the advisory is what makes it work.
Any vendor can claim to understand treasury. Ko$ha is the only one that proves it in every module.
Built by the practitioner
still fixing what went wrong.
Ko$ha was designed by the NaviStrat founder — a treasury technology professional who has led global treasury tech strategy at Amazon, directed treasury technology across 50+ markets at Expedia, and delivered full SAP TRM implementations at organizations ranging from Pitney Bowes to government agencies.
Every module reflects a real problem encountered, worked around, and eventually solved across two decades of treasury operations. This is not a platform built by observing the problem from the outside. It is built from inside it.
What we commit to,
before you sign anything.
You will be live in 90 days or we will tell you why before you sign.
Every module reflects a real treasury problem — not a feature roadmap.
SAP integration is included, not scoped separately.
NaviStrat benchmarking data is native — built in, not bolted on.
A senior practitioner reviews your setup every quarter.
If Ko$ha is not the right fit, we will tell you that too.
Every client gets a named point of contact who has actually run a treasury function — not a support ticket queue.
Live in 90 days.
No consultant required.
Every Ko$ha deployment follows a proven four-phase pathway. You get a working system, not a project.
Days 1–14
Discovery & Configuration
We map your bank accounts, ERP structure, and control requirements. Ko$ha is configured to your environment — not the other way around.
Days 15–30
Data & Integration
Bank feeds connected, SAP integration validated, opening balances loaded. Your team starts using the system with live data.
Days 31–60
Controls & Workflows
Payment approval workflows, counterparty limits, FX parameters, and audit controls activated. Your treasury policy becomes enforceable.
Days 61–90
Go-Live & Handover
Full production deployment. Team trained. Benchmarking live. NaviStrat Navigator in your corner for the first quarter.
Environment Architecture
Sentinel-controlled promotion gates between each stage
Sandbox
Safe experimentation. No consequences. Test anything.
Dev
Active configuration and integration work.
UAT
User acceptance testing with real data.
Production
Your live treasury operations. Change-controlled.
Ko$ha is the platform.
NaviStrat is the advantage.
Most TMS vendors sell you a system and consider the relationship complete. NaviStrat considers the system the starting point. Ko$ha is built into a broader intelligence ecosystem — benchmarking data, practitioner advisory, and a Navigator network that ensures the platform delivers measurable value, not just functionality.
When you subscribe to Ko$ha, you get access to the NaviStrat benchmarking engine — your treasury metrics compared to peers in your industry and size band. You get quarterly health reviews with someone who has actually run treasury at scale. You get a Navigator available for deeper engagements when the work requires it.
A live platform walkthrough with someone who has run treasury at the Fortune 50 level
No long-term contract required to start
90-day deployment guarantee — or we tell you why before you sign
SENTINEL security and compliance included in every plan — not a paid add-on
NaviStrat Ecosystem
Ko$ha TMS
The treasury platform — Cash, Payments, FX, Debt, Sentinel.
Benchmarking Engine
Your performance vs. peers. Natively connected to Ko$ha.
Navigator Network
Senior treasury practitioners available on-demand.
Advisory Services
Strategy, transformation, and implementation support.
No surprises. No gotchas.
No proposal that takes three weeks.
Ko$ha prices transparently — based on entity count, bank account volume, and module selection. Every plan includes a 7-day free trial so you can see the platform before you commit.
Starter
For companies taking their first step beyond spreadsheets.
- Up to 5 bank accounts
- Cash Management module
- Bank Account Registry
- 13-week liquidity forecast
- 7-day free trial included
- 90-day onboarding pathway
- Email support
Professional
The full platform for growing mid-market treasuries.
- Up to 25 bank accounts
- All 6 Ko$ha modules
- Payments & Controls
- NaviStrat Benchmarking
- Quarterly treasury health reviews
- Navigator access (10 hrs/quarter)
- SAP connector included
- Priority support
- 7-day free trial included
Enterprise
For multi-entity treasuries with complex needs.
- Unlimited bank accounts & entities
- All Phase 1 & 2 modules
- Custom SAP integration
- Dedicated Navigator
- Monthly advisory sessions
- SLA guarantee
- Custom reporting
- Priority onboarding
7 days. Full access.
No credit card.
Get full access to Ko$ha for one week — every module, live data, all features. If it doesn't change how you run treasury, you walk away. No pitch, no pressure.
See Ko$ha in 30 minutes.
We will walk you through the platform, answer your questions, and — if it is not the right fit — tell you that too.
No sales pressure. No long pitch deck. Just 30 minutes with someone who actually knows treasury.
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