Meet Kevin — your AI treasurer who never lets cash sit idle.
From 13-week forecasting to automatic sweeps into Tesouro Selic (Brazilian treasury bonds) — Kevin takes care of your liquidity while you take care of the business. Integrated with your 40+ banks via Kobana's bank connection platform, your ERP and your liquidity policy.
R$ 1–3M/year in financial gains for a company with R$ 100M in revenue.
Treasury that earns around the clock.
No more idle balances
With Selic at 14-15% per year, every R$ 1M sitting idle for 30 days loses R$ 12.5K. Kevin invests everything on the right rail, respecting your liquidity policy.
Forecasts that hit the mark
From 60% accuracy in a spreadsheet to 88-92% across 13 weeks. Modeling that learns your pattern of inflows and outflows.
40+ banks in one place
Kobana's bank connection platform, CNAB and Pix synced in real time. Cognitive reconciliation with 95-99% auto-match.
Fraud caught in seconds
+50% detection, -55% false positives. A payment that's “legitimate but the Pix key changed yesterday” — Kevin holds it before it goes out.
Every treasury task, in one interface.
Forecasting and planning
- 13-week cash flow projection
- 12-month projection with variance narrative
- Scenarios (base, optimistic, stress)
- FX forecasting with PTAX integration
Investment and yield
- Automatic sweep into CDB, repos and Tesouro Selic
- Respects minimum liquidity policy
- Counterparty limits
- Optimized maturity curve
Bank reconciliation
- Multi-bank across 40+ institutions
- Cognitive matching (95-99% auto-match)
- Interprets messy narratives (“WIRE JOAO SILVA REF INV 1234”)
- Drafts notes to the controller on exceptions
Fraud and anomaly
- Real-time detection
- Pix DICT validation before payment
- BEC (Business Email Compromise) alerts
- PEP and sanctions lists
- Vendor impersonation
Intraday liquidity
- Payment prioritization in stress scenarios
- Pix 24/7/365 monitored
- Overdraft prevention
- Contractual × reputational × regulatory optimization
Hedge and FX
- Multi-entity FX exposure
- Hedge execution with FX desk
- Reading of Bacen and Fed minutes
- NDF and forward aligned with company policy
Bank fees
- Fee analysis across all banks
- Savings identification (5-15% typical)
- Non-standardized nomenclature benchmarking
- Package renegotiation
Debt and covenants
- Continuous (not quarterly) monitoring
- Reading clauses in Brazilian legal Portuguese
- Cross-default alerts
- Debt health dashboard
Bank Account Management (BAM)
- Multi-bank account management
- Powers of attorney and signatories
- Account opening/closing with KYB
- ISO 20022 where applicable
Regulatory reporting
- Bacen and RFB (Brazilian IRS) layouts
- Board-ready executive narrative
- Cross-report consistency
- Translation into insights
From contract to Kevin running in 1 business day.
- 01Connect banks (30 min)
Kobana's bank connection platform for main banks. CNAB for active agreements. Pix DICT for beneficiary validation.
- 02Upload your policy (1h)
Minimum liquidity policy, counterparty limits, approval matrix, payment and investment calendar.
- 03Upload contracts (1h)
Kia Brain reads debt contracts, covenants, bank agreements. All in legal Portuguese.
- 04Configure sweep rules (30 min)
How much to leave in checking, when to invest, product preference (CDB, repos, Tesouro Selic).
- 05First week — you approve everything
Kevin starts in “suggestion” mode. Every action passes through you before executing.
- 06Week 2 onward — progressive automation
Low-risk operations become automatic. Critical operations keep human-in-the-loop.
Where Kevin pulls data from and where he acts.
What changes in treasury day-to-day.
| Task | Before (manual) | With Kevin |
|---|---|---|
| 13-week forecast | 2-4 hours, 60% accuracy | 15 minutes, 90% accuracy |
| Daily multi-bank reconciliation | 3-5 hours | 20 minutes (exceptions only) |
| Sweep decision | Weekly, subjective | Daily, automated |
| Fraud detection | Reactive, post-payment | Real-time, pre-payment |
| Bank fee analysis | Annual (if at all) | Continuous |
| Management report prep | 4-6 hours | 30 minutes |
The context that makes Kevin understand your treasury.
- Minimum liquidity policy
- Counterparty limits
- Obligation calendar (taxes, payroll, strategic suppliers)
- Debt covenants from contracts
- Investment policy
- Regulatory restrictions (industry, audit)
- Treasurer decision history
Every decision you make teaches Kevin. Approved that investment? Rejected that hedge? Restructured that debt? He remembers — and uses it in future suggestions.
A day with Kevin at a company with R$ 500M in revenue.
- 08:00
Kevin sends on WhatsApp: “Consolidated balance R$ 32M. R$ 28M above minimum liquidity. Suggestion: invest R$ 18M in Itaú CDB at 100% CDI with D+1 liquidity and R$ 10M in Tesouro Selic.”
- 08:15
Treasurer approves. Kevin executes via the XP desk.
- 10:30
Kevin detects an attempted payment to supplier “ACME Ltda” with a new Pix key (changed yesterday). Alerts finance.
- 11:20
Finance confirms it's fraud — supplier's email was compromised. Payment cancelled. R$ 87K saved.
- 14:00
Kevin sends an update: “Unexpected inflow of R$ 4.2M from customer X. Forecast recalculated. Want to invest the surplus?”
- 18:00
Kevin delivers the daily report to the CFO's email: R$ 87K in fraud prevented, R$ 124K in incremental yield from the sweep, 3 bank fees flagged.
What our customers are measuring.
Treasury is the financial heart. Triple caution.
- Mandatory human-in-the-loop on any investment, sweep or hedge
- Dual approval on operations above authority limits
- Audit trail at Bacen standard
- Pix DICT validation before any payment
- Separation of duties (suggester ≠ approver)
Frequently asked questions.
Does Kevin execute autonomously?+
Only within pre-approved authority and rules (e.g., automatic sweep within policy). Anything outside policy requires approval.
Does it work with small banks?+
Yes. Any bank that supports CNAB or Kobana's bank connection platform. Fintechs too — Nubank, Stone, Cora, Pagseguro, Iugu, BS2.
Does it connect to Kyriba / SAP Treasury?+
Yes, as a data source and execution destination. Kevin runs on top, not as a replacement.
Can I configure a custom policy?+
Yes — approval matrix, counterparty limits, allowed product types, minimum liquidity, all via Kia Brain.
Does forecasting work for seasonal businesses?+
Yes. The model learns seasonality (Black Friday, harvest, back-to-school, tourism).
Are Kevin's operations metered?+
Each investment, reconciliation and sweep counts as one operation on your plan.
Ready to stop losing money to idle cash?
Book a chat and see Kevin sweeping, forecasting and reconciling with your own data.