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Treasury Tech Market Segments | Real Treasury

Treasury Tech
Market Segments

Three distinct segments define the treasury technology market. Understand which one fits your organization so you can evaluate solutions with clarity and confidence.

Vendor Landscape by Region

The market has exploded with innovation, creating hundreds of solutions across different categories and price points. Understanding which segment fits your needs is the first step to making the right investment.

Treasury Systems

North American Vendors

Treasury Tech Market Map - North America

Treasury Systems

EMEA Vendors

Treasury Tech Market Map - EMEA

Core Requirements by Segment

The defining capabilities that separate each segment from the next.

We define market segments by the capabilities a system must have — not by company size, price, or marketing claims.

💰
Cash Tools
  • Bank connectivity
  • Global cash visibility
  • Transaction reporting (search, sort, filter, tag)
  • Cash forecasting
⚡
TMS-Lite
Includes all Cash Tools plus:
  • Payment initiation
  • Payment approval workflows
  • Payment file transmission
🏢
TRMS
Includes all TMS-Lite plus:
  • Full support for debt, investment, and FX management
  • Deal capture, accounting, and valuations
  • Risk analytics, limit tracking & exposure reporting

Common Add-Ons

Capabilities available across segments — these enhance any treasury system but are not required to define it.

The core requirements define which segment a vendor belongs to, these add-ons enhance the product.

AI Assistant / Agents
Answers questions in natural language and surfaces insights, anomaly detection, and analysis
AI Forecasting
ML-powered cash flow predictions
AP Payments Integration
Accounts payable data feeds through TMS
Bank Account Management
Centralized account data, signatories, KYC docs, FBAR tracking
Bank Fee Analysis
Analyze and optimize banking fees
Cash Accounting
Dual-entry journal entries posted to accounting system (not just cash tagging)
Cash Application
Match A/R payments to customer subledgers
Collateral Management
Track and optimize collateral posted for derivatives
Commodity Management
Manage price risk for commodities
Developer Portal / APIs
Custom integrations and extensions
G/L Reconciliation
Match bank statements to general ledger
In-House Banking (IHB)
Internal running participant balances with the ability to calculate interest
Intercompany Loan Management
Track, calculate interest, settle and administer loans between legal entities
Mobile App
iOS/Android apps for on-the-go visibility
Multilateral Netting
Net multicurrency payables and receivables for settlements in desired currencies
Vendor-Supplied Market Data
Distinct from connectivity to a client’s existing subscription — vendor provides proprietary data

Find Your Path

Get personalized guidance on the right treasury technology strategy for your organization’s unique needs and growth trajectory.

📞
Strategy Session
15-minute consultation
 🎬
Tech Portal
Curated solution demos
 ▶️
On-Demand Workshop
Watch the recording anytime
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