Falaj - Multi-Bank Treasury and Cash Management Platform with Dual Authorisation

Dashboard, cash position, 13-week forecast, payments and batch detail, with an entity switcher, display currency and ⌘K search across every page.

22 accounts in AED, SAR, USD, INR and EUR across 4 entities in 3 countries, each converted at a stored closing rate and marked by how fresh its balance is.

Account checksum, approved beneficiary, sanctions screening, limits, purpose code and recent bank-detail changes - checked before release, which needs every approval and an MFA step-up.

5 payment batches, 22 beneficiaries, 14 forecast categories over 13 ISO weeks, 5 bank facilities and 9 users across 5 treasury roles.

Cash Visibility by Copy and Paste

Balances were copied from 11 bank portals into a spreadsheet and converted by hand. By the time the CFO saw a group cash number it was a day old, and nobody trusted it.

Forecasts Stitched Together Weekly

Each entity kept its own forecast in its own format. The group view was assembled late on a Thursday and missed large payments that entity teams knew about but never shared.

Payment Rules Set Bank by Bank

Payments were approved in each bank's portal with that bank's rules, so the group had no single view of who could pay what. Maker-checker and segregation of duties had to hold across every bank at once.

Idle Cash Beside an Expensive Overdraft

AED 38 million sat idle in UAE current accounts while the Saudi entity drew on an overdraft at SAIBOR plus 2.25%. Indian accounts generally cannot join a cross-border pool under FEMA, so pooling has to respect local rules.