Built for the treasurer who carries the institution.
Debt, cash, investments, and the accounting and policy standards your team is held to — on one platform with an AI analyst working across all of it. Designed for government and nonprofit treasurers.
Trusted by over 2,000 government and nonprofit organizations nationwide.
If this is how your treasury function runs today, we built this for you.
Problem #1
The debt program lives in spreadsheets and in one person's head.
Schedules, proceeds, call provisions, and disclosure calendars rebuilt every cycle — in files that depend on the senior person who knows where they live.
You’re living dangerously when you’re living in multiple spreadsheets and one person tweaks something without notifying someone else.
Mike SylviaFinance Director and City Treasurer, City of Vista, CA
Problem #2
No one can see the full liquidity position.
Only about 1 in 5 government and nonprofit organizations has real-time liquidity visibility. 40%+ compile the daily cash position by hand. (DebtBook Exchange 2026, Session 7 polling.)
No cash flow tools readily available. Data existed, but it was not in one platform.
Stacy LassiterFinance & Treasury, Mobile County, AL
Problem #3
Idle cash is leaving revenue on the table.
43% of public sector treasury practitioners are limited to deposits, money markets, and LGIPs only. On a $50M strategic allocation, that gap is $390K–$700K in additional annual yield.
A swing of 50 basis points on our investment earnings assumption is the difference between cutting a position or not cutting a position.
John RuginiFinance Director, City of Wauwatosa, WI
What Monetary does
Protect, deploy, and optimize every dollar your office is responsible for.
Protect every dollar
See every dollar. Catch every mistake.
Visibility is how you protect public money. Cash, investments, bond proceeds, and the controls around them — in one place, in real time. A bank fee error, a mistyped wire, or a position drifting out of policy surfaces the day it happens, not at year-end.
“Previously, we assumed the bank invoices were always right. With Monetary, we caught the error and corrected it. That alone saved us a substantial amount of money.”
Ghazala BibiController, UNC Greensboro
Deploy every dollar
Put every dollar to work, on a forecast you trust.
A 13-week rolling forecast with fund-level detail. Tiered liquidity built into how the platform thinks. Internal funding moves without spinning up a side spreadsheet. Stop compiling. Start deciding.
“Monetary has freed up a lot of time for me to focus on other things. I appreciate the peace of mind, knowing that the information we’re pulling is correct.”
Emily DesiderioTreasury Manager, City of Durham, NC
Optimize every dollar
Save on every dollar you borrow. Earn on every dollar you hold.
Refunding opportunities surfaced automatically. Yield gaps flagged against your policy. Peer benchmarks aggregated across thousands of government and nonprofit organizations like yours. The Treasurer’s job, with the upside attached to it.
“By using Monetary we were able to identify when this particular debt issuance was going to mature… that’s over $600,000 in savings to those students.”
Greg VerretAssociate Vice Chancellor for Finance, UNC Charlotte
By the numbers
The financial case for an active, purpose-built treasury platform.
Public sector organizations running Monetary typically generate $500K–$1M+ in annual value across four value drivers — debt cost reduction, cash yield, staff productivity, and compliance risk reduction. Payback in 18 months.
Borrowing cost reduction
10 - 15 bps
Worth ~$50K-$75K/year for every ~$50M refinanced.
Solutions for Treasury
75 - 100 bps
in unlocked yield from deploying idle cash into higher rates.
Staff productivity
40 - 60%
reduction in manual treasury task hours. ~1.5–2 FTE redirected to advisory work.
Compliance penalty reduction
60–70%
reduction in penalties. Each avoided incident saves $25K + 80 staff hours in remediation.
Based upon the University of Chicago Center for Municipal Finance research, Minnesota Benchmarking Study by IBM, U.S. BLS reports and other publicly available industry benchmarks. Outcomes vary by entity.
AI analyst for your treasury
The AI analyst that knows your debt, your cash, your policy — and asks before it acts.
Marty is embedded across Monetary TMS. It gives every member of your team a live view of your complete liquidity position and an analyst on call who can answer any question about it, in plain language, with every answer traceable to the source.
Your full treasury position, always in view
Total liquidity, debt briefing, 13-week forecast, investment portfolio — surfaced inline. Marty flags what needs your attention before you have to look.
Ask anything, get a traceable answer
Ask Marty in plain language about any account, any issue, any covenant. Every answer comes from your deterministic treasury records — never the general internet — and every response links back to the underlying record.
Human in the loop, always
Marty surfaces insights and answers questions. It never acts on your behalf. No autonomous payments, no autonomous filings, no autonomous reinvestment decisions. Every action requires your explicit review and approval.
5 minvs. 2–3 hours to pull debt data
30 minvs. 3–4 days to prepare debt schedules
Customer story
“I feel confident that I could send a new senior financial analyst into Monetary and say, ‘Create five different scenarios with these assumptions,’ and they’d be able to get me something within an afternoon. That’s a level of efficiency we just didn’t have before.”
Joshua BensonCapital Finance Manager, City of Milwaukee, WI
What public sector treasury teams say about Monetary.
“Our workforce skews on the older side, so we have people who are nearing retirement… A lot of that information was also in people’s heads. Monetary institutionalizes that information and makes it available to the whole team.”
Greg VerretAssociate Vice Chancellor for Finance, UNC CharlotteRead story
“God forbid something happens to me. No one else would know what I know. With Monetary, we’ll have it documented and visible for the next person.”
John SnowTown Supervisor & Budget Officer, Granby, NYRead story
“In the past to prepare debt schedules, it was a process of three to four weeks. With Monetary, it’s literally just a matter of selecting the fiscal year and downloading the information.”
Corporate treasury tools weren't built for government and nonprofit finance. Monetary was.
Tax-exempt bonds. Board-approved investment policies. Operating accounts, investment custodians, and bond trustees at different institutions. None of this exists in corporate finance — and no corporate platform can be configured into the workflows that handle it.
Debt, not equity.
Public finance runs on bond proceeds, amortization schedules, continuing disclosure, and tax-exempt compliance — workflows that don’t exist in corporate finance. Monetary was designed around them from day one.
Governmental and nonprofit accounting, built in.
GASB 87, 96, and 103 for governments and public universities. ASC 842 for private universities, healthcare systems, and foundations. Monetary’s schedules, disclosures, and journal entries are designed for both — not adapted from corporate GAAP.
Investment policy compliance, monitored live.
Your board-approved investment policy is enforced continuously inside Monetary — not checked quarterly in a spreadsheet. If a position drifts out of policy, you find out the same day. Audit-ready evidence at any moment.
Liquidity across institutions corporate TMS doesn't connect to.
Operating accounts, investment custodians, and bond trustee accounts — at different institutions — unified in one real-time view. Most corporate treasury tools don’t connect to municipal bond trustees at all.
No, Monetary doesn’t duplicate your ERP. ERPs act as your accounting and financial reporting command center. Monetary TMS serves as your debt, cash, and investment command center, helping you manage debt service schedules, investment policy compliance, bond proceeds spend-down, and more. Monetary sits next to your ERP and funnels it the data it needs — which is why we partner and integrate directly with many ERP providers.
Monetary supports portfolios of all sizes. The one-person finance team at Granby, NY uses Monetary to manage their $10M debt portfolio, and so does Los Angeles County, the most populous county in the nation. Our pricing scales with scope so that all issuers, regardless of outstanding par, can access the most sophisticated treasury solution public finance has ever seen.
Most customers go live in 120 days or less. You hand us your spreadsheets and supporting documents; our public-finance implementation team handles the heavy lifting. Partner-led implementation is also available through CPA firms, financial advisors, and treasury advisors. “This is the best implementation I’ve ever been through in my 28-year career,” says Laura Taylor, CFO, St. Louis County Library.
Conservative scenario: baseline estimates are typically 200%–300% ROI over five years, 18-month payback, $500K–$1M+ in annual value across debt savings, cash yield, productivity, and compliance. Most Treasurers build the business case with our team in a single 60-minute session.
See Monetary running on a portfolio like yours.
See what Monetary looks like for your team — with your debt portfolio, your cash position, and your investment policy at the center of the demo.
Mike SylviaFinance Director and City Treasurer, City of Vista, CA
John RuginiFinance Director, City of Wauwatosa, WI
Ghazala BibiController, UNC Greensboro
Greg VerretAssociate Vice Chancellor for Finance, UNC Charlotte
