Finmo is a Singapore based financial technology company that provides a unified treasury and payments platform designed to help businesses manage cash, payments, forecasting and foreign exchange in one system. The company serves organizations that operate across multiple countries and currencies, offering tools that replace fragmented workflows with integrated financial infrastructure. By connecting banking data, payment networks and internal systems, Finmo gives finance leaders real time visibility into global cash positions while supporting day to day transactions.

Finance departments often rely on spreadsheets, separate banking portals and standalone software products, which can slow reporting cycles and create data inconsistencies. Finmo addresses this challenge by consolidating financial information into a single platform that brings together payments, liquidity management and forecasting. Users can view account balances across entities and regions, initiate transactions, monitor cash flow and track financial performance without switching between systems. The result is a unified operating environment that supports both routine processes and strategic planning.

Integrated Treasury Infrastructure

Finmo functions as a treasury operating system that connects to real time payment rails and banking networks. The system supports cross border transactions in more than 180 countries and works with over 30 currencies, enabling companies to send and receive funds globally while maintaining centralized oversight. By integrating directly with financial institutions through application programming interfaces, the platform reduces manual reconciliation and allows transaction data to flow automatically into dashboards and reports.

Cash forecasting tools use live data from bank accounts and internal records to project short term and long-term liquidity positions. Finance leaders can evaluate expected inflows and outflows, assess funding needs and plan capital allocation with greater access to current information. Because forecasts draw from real time feeds rather than static inputs, companies can align operational decisions with actual cash availability across subsidiaries and regions.

Foreign exchange management is embedded within the system so that businesses operating in multiple currencies can monitor exposure and manage risk from the same interface used for payments and reporting. Instead of relying on separate tools for currency tracking, users can analyze exchange positions alongside cash balances and transaction data. This integration supports more consistent oversight of international operations while reducing administrative workload.

Global Reach and Regulatory Foundation

Finmo operates with licences and regulatory approvals in several major jurisdictions, including Singapore, Australia, New Zealand, the United States, Canada and the United Kingdom. These authorizations allow the company to provide treasury and payment services within established compliance frameworks. The regulatory footprint supports multinational clients that require financial infrastructure aligned with local standards in the regions where they conduct business.

The company has secured investment from venture capital firms and strategic backers that specialize in financial technology and global payments. Funding rounds have supported product development, engineering expansion and market entry initiatives. Investor participation has enabled Finmo to refine its platform architecture while expanding capabilities that address the needs of growing enterprises.

Partnerships with global financial institutions have further strengthened the platform’s reach. Integrations with banking networks allow clients to connect corporate accounts directly to Finmo’s treasury system, bringing external balances and internal financial data into one environment. These collaborations help businesses link traditional banking services with modern software tools, creating a streamlined connection between operational finance and institutional infrastructure.

Serving Modern Finance Functions

Finmo is designed for companies ranging from early-stage ventures to established enterprises that require structured treasury management across regions. As organizations expand internationally, financial oversight becomes more demanding, and leaders must coordinate payments, monitor liquidity and track currency movements across time zones and regulatory boundaries. By consolidating these functions, the system supports operational consistency and data transparency without requiring additional standalone tools.

The dashboard interface provides a comprehensive view of financial activity, allowing users to analyze transactions, forecast liquidity and initiate payments within one workspace. Automated workflows reduce repetitive tasks such as reconciliation and manual data entry, freeing finance professionals to focus on analysis, planning and reporting. Because the platform integrates with accounting and enterprise resource planning systems, financial records remain synchronized across departments.

Clients use the system to manage supplier payments, internal transfers and cross border settlements while maintaining oversight of global cash positions. Real time data visibility allows decision makers to assess funding requirements and evaluate capital allocation based on current information rather than delayed reports. This operational structure supports disciplined financial management across subsidiaries and markets.

Technology Built for Cross Border Growth

International commerce continues to expand, and businesses increasingly operate across multiple jurisdictions. Treasury functions must therefore account for diverse banking systems, regulatory environments and currency requirements. Finmo addresses these conditions by offering infrastructure that links payments and liquidity management within one platform that interacts with global networks.

The company’s architecture is built around application programming interfaces that connect to financial institutions, enabling seamless data exchange and transaction processing. This design supports scalability as clients grow their operations and add new regions. Rather than introducing separate systems for each country, organizations can maintain centralized oversight while conducting transactions locally.

By providing consolidated visibility into cash flow, payments and foreign exchange exposure, Finmo supports financial planning and operational execution within a single environment. The platform is structured to reduce friction between systems and allow information to move efficiently across departments and geographies. As companies expand, this integrated model helps maintain alignment between financial data and business activity.

David Hanna, CEO, Finmo