Should you manage prefunding in a spreadsheet or in software?
A spreadsheet works while you have a few corridors and one person who updates it every morning. A payment company outgrows it when balances come from many partners and wallets, when money in flight is counted twice or missed, and when weekend and holiday gaps cause shortfalls the sheet did not show. Software such as Polynopsis replaces the morning update with a live position, corridor runway and alerts before a corridor runs dry.
Signs you have outgrown the spreadsheet
Updating it takes someone more than an hour every morning.
Balances are copied from partner portals, emails and exchange screens by hand.
Top-ups in transit are tracked in a separate tab, or not at all.
A corridor has run short over a weekend or holiday even though the sheet looked fine on Friday.
Only one person understands the formulas.
What software adds
Balances pulled automatically from banks, payout partners and wallets; money in flight matched from send to settle; runway per corridor counting top-ups already on the way; holiday calendars for both ends of each corridor; and alerts before a payout batch fails.
A middle step
Many teams start by keeping the spreadsheet for decisions and replacing the data collection. The runway calculator below shows the arithmetic a good sheet should do.
Frequently asked questions
When does a payments company outgrow a treasury spreadsheet?
Usually when there are more than a handful of corridors, balances come from partner portals and wallets as well as banks, and a corridor has run short because the sheet missed money in flight or a holiday.
Related
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator