Imagine managing thousands of payments every single day across currencies and continents. That’s the reality for treasury management teams in global enterprises that must coordinate funding across regions and business units – ensuring cash flows to the right account in the right currency and within the expected settlement cycle.
The global cross-border payment market was valued at almost USD 1 quadrillion in 2024, with total flows reaching USD 190.1 trillion in 2023 and expected to reach USD 290 trillion by 2030. Yet even as transaction volumes surge, costs remain high.
Cross-border payment flows often obscure the constant balancing act involved in FX risk management. As global commerce accelerates: according to the 2025 Global Treasury Survey, here are the top five priorities of treasurers worldwide:
- Cash and liquidity management
- Funding/capital structure
- Financial risk
- Banking management
- Working capital
Traditional treasury tools are under strain, as treasurers juggle different priorities across time zones, currencies, and regulatory frameworks. Traditional FX risk management instruments can steady the ship, but they can’t help enterprises steer through today’s fast-moving global waters.
To shift from reaction to anticipation, treasury teams must use AI-powered FX solutions that forecast exposure by leveraging real-time intelligence and automate conversions.
The modern treasurer’s challenge
Globalisation has magnified the workload for treasury teams that must manage these challenges:
- High FX costs and mark-up
FX offerings in the market usually add hidden mark-ups to exchange rates, charging slightly more than the market rate for each conversion. For global enterprises handling large volumes, even small differences in rates add up quickly, chipping away at profit margins and making it harder to track the true cost of doing business across markets. - Intermediary bank charges
Cross-border transfers often pass through several banks before reaching their destination, and each one takes a small fee. By the time funds arrive, enterprises receive less than expected, forcing treasury teams to work harder to reconcile payments and explain discrepancies. - Processing delays
Timing is a huge hurdle for treasurers. Some transfers need to happen instantly, while others are subject to settlement lags. Many international payments also still move through outdated systems that take days to process. To avoid disruptions, treasurers often keep extra funds sitting idle in overseas accounts. This ties up working capital that could otherwise be used for investments or operational needs.
Given these challenges, treasurers need automated systems that give them live oversight of global cash flow, to help them stay ahead of risks and keep funds flowing across borders.
Easier global settlements with Bettr’s AI-powered FX Solutions
Bettr’s AI-powered Treasury Platform helps enterprises forecast exposure and automate global treasury operations within a single system.
At its core is the Time-Series Transformer (TST) AI model, Bettr’s proprietary deep learning engine, designed to solve the toughest treasury problem: accurately forecasting FX exposure and cash flow. This model is trained on over 10 billion data points from historical and real-time FX markets and uses a “look-back” knowledge base to detect evolving currency patterns and anticipate short-term shifts in liquidity demand.
Unlike traditional models that rely only on past trends, the TST model recognises evolving patterns and external triggers to generate forward-looking insights. That enables businesses to automate responses and fine-tune funding as markets move.
Trials of Bettr’s AI-powered FX Solutions have shown up to 90% accuracy in forecasting cash flow and FX exposure, up to 60% savings in FX costs and 30-50% reduction in working capital needs (depending on the company’s treasury operations model).
Bringing all FX solutions under one treasury platform
Bettr brings four enterprise-grade FX solutions under one platform, offering different options that suit different business needs:
- Spot FX
This solution enables instant currency conversion at live market rates. Spot FX is best for high-volume transactions for immediate operational needs such as funding subsidiaries or payroll. Treasurers can maintain liquidity exactly where and when it’s needed, minimising idle balances and avoiding costly short-term borrowings. - Guaranteed FX
Certain transactions involve a gap between payment and settlement, such as paying vendors on special terms. Guaranteed FX secures exchange rates in advance, shielding the business from volatility between that period. This predictability allows treasurers to forecast cash flows and stabilise the budget. - Revenue-locked FX
Revenue lock FX for enterprises locks in two rates: the one at the point of sale and the one during settlement. At the end of the settlement cycle, treasury teams can then pick and apply the lower rate. This solution offers a flexible FX settlement cycle to avoid currency mismatches across the procurement and sales cycle. - Dynamic FX
Dynamic FX leverages AI to enable data-driven forecasting on FX exposure and cash flow. By extracting insights from a continuous stream of liquidity and pricing data, this solution forecasts exposure and recommends optimal conversion or hedging actions. It helps reduce over-hedging and cut risk premiums, allowing treasury teams to maintain control over FX costs and profitability.
With all four FX solutions unified in one platform, treasurers can see their company’s exposure, liquidity and risk in a single view and make FX decisions in one place.
Shifting the focus from currency risk to global business growth
As cross-border payments surge, the role of the treasurer continues to evolve and requires modern solutions for smarter insight and stronger oversight.
Partner with an expert like Bettr who brings together FX solutions and capabilities into a single secure ecosystem. Currency volatility doesn’t have to hold your enterprise back from scaling globally. With an FX strategy powered by AI, you can protect margins while unlocking new growth opportunities.
Transform how your enterprise manages global liquidity and FX risk. Contact our team today to explore how our AI-powered Treasury Platform can help your business move money faster, smarter, and more profitably across borders.
