Holdings across banks, custodians, and LGIPs sit in separate statements with no single source of truth. Pricing is bank-reported. Errors surface at month-end close or in the audit — not before — and if fraud or waste exists, it’s nearly impossible to catch.
Every month we download statements from three custodians and two pools, re-key the balances, and hope the pricing matches. It’s a two-day job before anyone can ask a real question.
Cash, investments, and debt sit in disconnected systems, so reinvestment decisions get made on gut feel. Buy a five-year bond with a two-year call and count on that cash coming back to make a debt payment — then watch the market move so it isn’t redeemed, and you’re forced to sell at a realized loss or scramble for liquidity. Capital strategy has to be informed across cash, debt, and investments together.
We decide what to buy and how long to hold it based on a gut feel for when we’ll need the cash. If that timing is off, we’re either short or we’re selling at a loss.
43% of public-sector treasury teams invest only in deposits, money market funds, and LGIPs — the most conservative options their policy allows. Idle proceeds and reserves sit in low-yield accounts, earning less than they could, because the visibility into when that cash is actually needed isn’t there.
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
Connect your custodian and LGIP feeds and balances arrive automatically — no downloading PDF statements and re-typing positions by hand. Pricing is validated against independent market data, so every number is independently verified before it reaches your accounting. Drill into any holding for par, market value, coupon, maturity, and rating, with the full transaction history behind it.
“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
Build a maturity ladder directly from your holdings and align investment maturities with your operating cash needs. Link investments to your forecast, visualize upcoming liquidity windows, and see exactly how long each dollar is available — so you can match assets to liabilities instead of investing on a hunch. (Reinvestment scenario modeling arrives Q1 2027.)
“Now I can see what’s coming due and when, so I can match maturities to our obligations instead of holding a cushion just in case.”
With every dollar in view across daily, operating, and strategic tiers, the balances you don’t need this quarter stop sitting idle. See how much is above your operating reserve and what it could earn in an LGIP, money market fund, or fixed-income instrument inside your policy parameters. Benchmark holdings against indices so you know whether the portfolio is earning its keep. The confidence to invest comes from finally seeing the full position alongside a forecast you trust.
Market valuations update, gains and losses calculate, holdings classify into the fair-value hierarchy, accrued interest posts, and your disclosures and journal entries generate — without anyone building a spreadsheet. For governmental issuers, that includes GASB 31, 40, and 72 note disclosures from the same daily data. Upload your investment policy once: the platform parses the rules, you confirm them, and compliance is monitored in real time against both your board-approved policy and your state statutory limits.
“I know CPAs who struggle with GASB. It can’t be any easier in Monetary. It’s very cut and dry and straightforward.”
Benchmark portfolio performance against recognized indices, show credit quality distribution and weighted average maturity, and produce board-ready reports from current, verified data. Pivot report data by market value, credit rating, or any dimension and export without leaving the platform. Grant auditors read-only access in one click. The institutional knowledge stays in the system, so it doesn’t walk out the door when an employee does.
“Just yesterday an auditor asked for a document. I said, ‘Yep, it’s in Monetary.’ I downloaded it and sent it in two minutes. Otherwise, I’d be digging through the vault, grabbing files, scanning them in. That alone is amazing.”
Fair value, accruals, amortization, and journal entries generated from the same holdings you manage every day, posted to your general ledger and ready for the auditor by fund and by period. The accounting and the daily management run off one set of verified data.
Investment maturities and upcoming income flow into the cash forecast, so your full liquidity picture includes what’s coming due and what it earns — and the strategic-tier decisions you make here are grounded in the same real-time position your cash team works from.
Proceeds accounts connect to your debt portfolio, so trustee activity and project spend reconcile against the holdings you’re managing — and your capital strategy stays informed across debt, cash, and investments together, not in separate silos.
Government and nonprofit organizations that move idle balances out of bank deposits and into a structured strategic tier capture 15-20 bps potential improvement. For example, if $50M was identified in idle cash, that would generate an additional $75,000-$100,000 in interest revenue. That’s money returned directly to the budget by having full visibility into your organizations liquidity positions.
Meet Marty, your AI analyst on-demand across your investments, cash, and debt in Monetary TMS. No checking holdings against your policy one at a time, no rebuilding the maturity schedule, no assembling the board report from scratch. Every answer comes from your own holdings and transactions — never the general internet or an invented market figure. You ask. It answers in seconds.
Monitors holdings against your board-approved policy and state statutory limits, and explains exactly which rule applies.
Flags maturing positions and balances above your reserve, with options inside your policy parameters.
Every figure links back to the underlying holding and transaction, so it’s auditable and board-ready.
“Sometimes I’ll get people and they’ll ask, 10 out of 10, how do you rate Monetary? I’m like, well, can I have an 11?”
“Just yesterday an auditor asked for a document. I said, ‘Yep, it’s in Monetary.’ I downloaded it and sent it in two minutes. That alone is amazing.”
“Monetary has freed up a lot of time for me to focus on other things… I appreciate the ease and peace of mind, knowing that the information we’re pulling is correct.”
Upload your board-approved policy once. Monetary parses the rules, you confirm them, and compliance is monitored continuously against both your policy and your state statutory limits, with audit-ready evidence available at any point in time.
Fair value reporting, deposit and investment risk disclosures, and the fair-value input hierarchy are generated from the same daily data. These governmental standards don’t exist in corporate finance, and no corporate platform can be configured into them. Monetary was built for them.
Pricing is validated against independent market data before it touches your accounting or your disclosures — so fair value rests on verified, independent third-party valuations every time.
Investments, cash, and bond trustee accounts come together in one platform, so you can match assets to liabilities across operating, investment, and proceeds accounts. Corporate TMS doesn’t connect to municipal bond trustees. Monetary does.
Monetary connects to your custodian and LGIP feeds by API and secure file transfer, and validates pricing against independent market data — a managed service, so your team never downloads a PDF or re-keys a balance.
Yes. Monetary covers US Treasuries, agencies, municipals, commercial paper, CDs, LGIPs, and money market funds today, with independent reference and pricing data across them — and corporate fixed income coverage expanding.
You upload your investment policy once. The platform parses the rules, you confirm them, and holdings are monitored in real time against both your board-approved policy and your state statutory limits. Breaches are flagged before they happen — not discovered quarters later.
Marty surfaces positions, flags idle balances and maturing holdings, and answers questions. It never initiates a trade, moves cash, or posts an entry on your behalf. Every investment action requires your explicit review and approval.
See what Monetary Investment Management looks like for your team — with your portfolio, your custodian and LGIP feeds, your disclosures, and your board-approved policy at the center of the demo.
