MUNE: AI-Driven Treasury Management System for SMBs

Key Features

AI-Driven Insights

Leverage artificial intelligence to gain automated financial insights and make data-driven decisions.

Cash Flow Management

Transform chaotic finances into structured, organized cash flow management for better control.

Procure-to-Pay Automation

Automate your procurement and payment processes with intelligent workflow automation.

Direct Banking Integration

Connect directly with your bank for seamless transaction management and reconciliation.

Secure & Compliant

Enterprise-grade security with compliance standards to protect your financial data.

Mobile Accessible

Manage your treasury on the go with our fully responsive mobile platform.

Scale of the Problem

170+

Hours/month

SMBs spend on financial routine

80%

Businesses

do not use software for budgeting and forecasting

40%

of SMB failures

are attributed to inadequate cash flow management

150+

Respondents

confirmed the problem in the study

The results of a study of 150 respondents and our 20 years of experience working with Ukrainian businesses showed: the cash management process — from creating a purchase order to making payments — no time for quality forecasting and decision-making.
Another factor is the low operational efficiency of processing available information. Software available in Ukraine and international counterparts do not allow full automation of this process or are too expensive for small and medium-sized businesses..

Key Challenge: Where Liquidity is Lost

Identifying and recovering hidden cash flow inefficiencies

Payment Delays & Working Capital

Unoptimized payment schedules and delayed invoice processing tie up critical cash reserves. SMBs lose 2-4% of annual revenue to inefficient working capital cycles.

Lack of Real-Time Visibility

Without centralized oversight, treasurers cannot see true cash positions across multiple accounts and systems, leading to poor decision-making and missed optimization opportunities.

Manual Reconciliation Errors

Hours spent on manual reconciliation and data entry create bottlenecks, increase errors by up to 15%, and waste resources that could be invested in growth.

Fragmented Supplier Payments

Decentralized procurement and payment processes make it difficult to consolidate supplier relationships and negotiate better terms, costing organizations thousands annually.

Compliance & Audit Risks

Lack of audit trails and documentation increases regulatory risk, compliance costs, and the potential for financial misstatements or fraud exposure.

Growth Limitations

As organizations scale, legacy systems and manual processes become bottlenecks, preventing rapid scaling and limiting access to favorable financing terms.

How MUNE Solves These Challenges

MUNE uses AI-powered automation and real-time visibility to identify and recover hidden liquidity. Our platform consolidates all financial operations, automates repetitive tasks, and provides actionable insights to optimize cash flow—enabling SMBs to unlock millions in trapped working capital.

How MUNE Solves Cash Management Problems

Procurement Management Center

Project accounting, linking employee time to projects; AI-Powered Controlling

Invoice Recognition

Verification of details, automated payment order filling

Wide Range of Integrations

Client-banks, payment and accounting systems

Electronic Document Management

Automated invoice collection by companies and departments

Flexible Approval System

Automated payment approval system with various statuses

Payment Management Center

Automated payments, budgeting, forecasting, analytics

Our Team

Investors invest in people. Our team combines 20 years of experience in finance with technological and marketing expertise — this removes the risks of incompetence.

Svitlana Matuzova

Partner. Project Manager

Development Director of the MUNE project

Marketing and advertising
Attracting investments

Alina Natiagach

Partner. Product Owner

of the MUNE project

Operational management
Product development
Team building

Oleksandr Fediaev

Partner. Technical Director