Connect•Pay•
Forecast•Track
The cloud treasury and payments platform built for modern finance teams. Real-time cash visibility, multi-rail payments, automated reconciliation and AI-powered forecasting — with portfolio and wealth reporting built into the same data layer.
Treasurers
Real-time cash visibility, intraday positions and automated forecasting across every entity and bank.
Wealth Managers
One platform for every client relationship — with a branded portal and the workflow tools to scale advisory.
Family Offices
Consolidate bankable and non-bankable assets across the family balance sheet. One source of truth.
Private Banks
Bank-grade infrastructure for treasury, portfolio management and client experience — modern delivery.
A modern treasury and payments stack – on one cloud platform.
Four capabilities, one cloud system. Replace the patchwork of legacy TMS, payment hubs and reporting decks with a single platform built for the way finance teams actually work today.
Every bank, ERP and payment rail you already use.
Pre-built connectivity to thousands of banks, ERPs and payment rails. No data keying, no manual reconciliation, no fragile spreadsheet imports.
- Bank and ERP connectivity out of the box
- API-accredited APS payments arm
- Open Banking, SWIFT, host-to-host and BACS
Multi-rail payments orchestrated from one console.
Initiate, approve and settle payments from inside the platform — with the group's UK payments arm, APS, providing BACS, Faster Payments and open banking rails out of the box.
- BACS, Faster Payments, SWIFT, open banking and FX
- Approval workflows, dual authorisation and audit trail
- Sanctions screening and beneficiary validation built in
AI-powered cash forecasting and scenario modelling.
Real-time positions, intraday liquidity and machine-learning forecasts trained on your data. See what happens next — not what happened last week.
- AI cash flow forecasting with variance reporting
- Scenario modelling and stress testing
- FX, interest rate and counterparty exposure
One real-time view of cash, debt, FX and portfolios.
Consolidated positions across every entity, currency and asset class. The same data powers treasury reporting and branded client portfolios for wealth managers and family offices.
- Real-time multi-bank cash and intraday liquidity
- Debt, FX, intercompany and netting positions
- Branded portfolio reporting for wealth managers
All your wealth. One secure view.
Pre-built connectivity across banks, custodians and data providers — and consolidated coverage across the asset classes most platforms can't see.
Everything financial professionals need.
A modular platform that combines treasury automation, multi-asset portfolio management and client-facing tooling in one cloud system.
Treasury automation
Portfolio management
AI forecasting
Branded client portal
Financial messaging
Open integrations
Proven in production.
How treasury teams put XFOLIO to work.
Zahrawi Group Eliminates Manual Treasury Processes and Gains Real-Time Cash Visibility with xfolio
How a leading GCC healthcare solutions provider moved from Excel-based treasury management to an integrated platform, improving cash visibility, automating payments and accelerating treasury operations.
Aceros Levinson Gains Greater Control and Efficiency Across Treasury with xfolio
How a 40-year-old specialty metals distributor streamlined payments, improved cash visibility and simplified treasury operations with a flexible, easy-to-use treasury management platform.
Built for finance teams with real complexity.
For corporates, financial institutions and family offices with multi-entity structures, cross-currency exposures or intercompany positions, XFOLIO extends well beyond payments into full treasury management.
Cash & liquidity
Bank connectivity
FX & hedging
Intercompany netting
Debt management
In-house banking
Investments & MMF
Risk & analytics
Portfolio management
Controls & compliance
ERP & system integration
Agentic workflows
Built by treasury and wealth-tech people.
A team with hands-on experience across treasury, wealth management, payments and software engineering, based across the UK and EMEA.
XFOLIO
Latest from the group.
Company updates, product news and announcements from XFOLIO and the payments business.
xfolio Appoints Payments Veteran Peter Travis to Lead UK Sales
Fintech sales leader Peter Travis joins xfolio to drive UK growth across its treasury management platform and Absolute Payment Solutions payments business.
Read more →XFOLIO AI acquires Absolute Payment Solutions, its UK payments arm
XFOLIO AI has completed its acquisition of Absolute Payment Solutions. APS joins the group as its UK payments arm, providing Pay.UK-assured BACS bureau, BACS software, direct debit and open banking services to UK businesses — now connected directly to the XFOLIO treasury platform.
Read more →APS launches as the group's UK payments business
Absolute Payment Solutions is now live as the group's standalone UK payments operation. The business is Pay.UK-assured and offers both BACS bureau services and BACS software, alongside direct debit, open banking and treasury connectivity.
Visit APS →XFOLIO and APS – one group, two arms.
XFOLIO is the treasury and wealth management platform. Absolute Payment Solutions (APS) is the group's UK payments arm – a Pay.UK-assured UK payments business offering BACS bureau, BACS software, direct debit and open banking to UK customers.
Visit APS →Talk to the team
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