Master your cash predictably.
Cash Optimizer centralizes financial data with forecasting intelligence and seamless cash flow and liquidity management for growing businesses. Built for finance teams that need to decide and execute fast.
- One verified view across multiple entities, banks, currencies, and ERPs
- Forward-looking cash flow management with AI-native scenario planning
- Multi-currency liquidity positions with instant currency translations
- Human-controlled automation with a complete audit trail
Free Starter plan. We onboard in batches — join the waiting list with your systems and we confirm your start date.
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?
Fragmented treasury. Risky autonomy.
Today's workflows weren't built for AI-first companies — and the gap is widening fast.
High liquidity stress
€1m+ SMBs juggle cash across banks and entities with no real-time picture of what's actually spendable.
Excel-driven treasury
Manual planning, exports, and reconciliation eat days of finance team time every month.
Hallucinating AI agents
Generic agents act without financial context — risking unsafe spend, moves, and allocations.
Bank lock-in
Expensive bank dependencies and fragmented data prevent bank-agnostic optimization.
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
Operational agents execute inside human-defined guardrails. No hallucinated money. Ever.
Connects to the systems successful finance teams already run.
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.
Systems of record
- ABRA Flexi
- Odoo
- wflow
Your ledger stays the source of truth — we read from it and write payment batches back.
EU banking
- Raiffeisen Bank
- ČSOB
- FIO
Balances and transactions in, payment batches out.
Multi-currency flows
- amnis
- Wise
- Monex
Multi-currency balances and transfers folded into one liquidity picture.
Custom connectors
- REST / API
- CSV & file feeds
- MCP
DYPE has built data integrations for years. If your system has an API or an export, we can map it.
Tell us your stack and we confirm what is ready on day one. Discuss your setup
Connect. Optimize. Execute.
Three steps from scattered exports to a payment batch your bank can import — you keep the final click.
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
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
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
Free Starter plan. We onboard in batches — join the waiting list with your systems and we confirm your start date.
Liquidity management, not another report.
The day-to-day work of keeping the right amount of cash in the right place — planning, currency management and financing, all in one place.
One live cash position
Balances across banks, entities and currencies in a single number you can act on today.
13-week forward curve
Receivables, payables and recurring costs projected forward so the low point is visible before it happens.
Receivables and payment morale
Ageing per customer and how each partner actually pays, so forecasts use behaviour rather than due dates.
Scenarios and timing
Move, split or hold payments in a scenario and see the effect on the low point before anything is prepared.
Built for finance teams that move fast.
Three roles that need one verified cash picture.
Founder / CEO
Stop guessing which entity can pay for what. See cash across companies, banks and currencies in one place, then decide where to allocate capital.
- Multi-entity visibility
- Liquidity low-point alerts
- Bank-agnostic
CFO / Controller
Replace spreadsheet treasury with a live 13-week forecast, overdue receivables tracking, and automated payments for your ERP and bank.
- 13-week cash forecast
- Full audit trail
- Immediate kill switch
Accountant / Bookkeeper
Prepare the cash review and payments with layer of automations and ai-enabled controls, all in the accounting system you already use.
- Multi-entity mandates
- Batches for your ERP and bank
- No re-keying exports
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.
Embedded finance for partners.
Cash context is more useful inside the tools people already work in. We make ours available to partners.
Accountants and CFO services
Run every client mandate from one place, with the cash review already prepared before the call.
ERP and fintech platforms
Embed verified cash context into your own product through our API, or hand liquidity data to your workflows.
AI and agent builders
MCP access lets your agents check available cash and limits before they commit money.
Four plans, from €0.
Monthly plans priced per company, not per seat. EUR excluding VAT.
1 company · 1 bank · 1 ERP · 20 AI questions
2 companies · 2 banks · API access · export execution
10 companies · unlimited users · unlimited AI questions
Groups with custom volume, security and SLA needs
Start free. Stay in control.
Join the waiting list for the next onboarding batch on the free Starter plan: one company, one bank, one accounting system. Tell us your systems and we confirm your start date.