What is a Fixed-Term Fund (FTF)?

A ring-fenced, bankruptcy-remote fund vehicle giving direct, segregated exposure to a single, named investment-grade obligor for a fixed term. Each FTF is 100% maturity-matched to its underlying asset – no mark-to-market volatility, no run risk – and only available through TreasurySpring.

How does this help with regulatory ratios and CRR?

Every FTF provides full look-through to the underlying product, so exposures can be reflected accurately for capital and liquidity purposes. Tenors from one day to one year let you ladder investments to your buffer and regulatory requirements.

Do I need to open new bank accounts or build internal infrastructure?

No – there is no need for any client infrastructure or technological integration. All products are standardised and accessed through the same platform. Our public API allows you to view and manage investments from within select existing treasury tools, including treasury management systems like Kyriba and Hazeltree.

How long does it take to onboard?

The onboarding is simple and fully digital. We can typically onboard regulated or listed entities in 48–72 hours, subject to AML and KYC checks.

Do we have any credit risk to TreasurySpring?

No – your credit risk is only to the underlying obligors you choose to invest with. Client funds never touch TreasurySpring's balance sheet and TreasurySpring has no ability to move any client funds. Client subscriptions are placed in segregated vehicles and all cash movements are conducted by the platform's independent administrator. TreasurySpring only offers exposure to highest credit quality governments, banks, and corporations. All obligors must be investment-grade in order to be eligible for inclusion on the platform.

What obligors do you have on the portal?

At present we offer 120+ obligors and that number is continuously growing. All products on the platform offer exposure to investment-grade issuers. These are organised across three core verticals: government (and SSA), bank, and corporate.

What term options are available on the portal?

Terms range from one day to one year. At present we have 1100+ cash investment products available on the platform every day across 11 currencies (including GBP, USD, EUR, CAD, ZAR, AUD, NOK, and PLN), with new products and currencies being added all the time.

Onboarding to the platform is completely free and there are no service charges or recurring fees. The indicative yields and maturity amounts displayed on the platform are always net of all fees and costs. There are no hidden or unexpected charges.

The cash investment platform for bank and ALM teams.

Widening counterparty access usually means more KYC and settlement builds. We replace it all with one onboarding – access secured and unsecured investment-grade cash products, fully transparent for CRR.

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Photo of a large round building exterior.

1000+

institutional clients

$430B+

issuance

120+

counterparties

From established institutions to neobanks, EMIs, and fast-growing challengers, TreasurySpring is trusted by those looking to put excess liquidity to work, add secured options to the toolkit, and maintain full transparency for regulatory reporting.

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THE challenge

Investing excess bank liquidity is complex, constrained, and costly.

Margin pressure

Maximizing net interest margin is paramount in any rate environment, yet excess cash and liquidity buffers too often earn little.

Buffers under constant management

Capital and liquidity buffers must be actively managed to hit target regulatory ratios – without dragging returns or compromising access.

Concentrated, unsecured exposure

Excess balances frequently sit unsecured with a small set of counterparties, with limited practical access to secured alternatives.

How we solve it

Why banks use TreasurySpring.

Put excess liquidity to work

Access a deep pool of 1100+ products matching your credit, currency, and tenor requirements, and select competitive risk-adjusted returns across the repo, government, SSA, and corporate sectors – so excess cash supports net interest margin rather than sitting idle.

Chart showing potential yield gains from optimising surplus cash.

Ladder cash to your balance sheet

Choose terms from one day to one year across 9 currencies and ladder maturities to your buffer and regulatory needs. TreasurySpring's cash investments are structured to reduce the exit risks inherent in other short-term instruments, while remaining fully transparent for CRR treatment.

Gantt-style chart showing how clients can map investments to cash flow requirements.

Add secured options to the toolkit

Strengthen your existing strategy with multiple secured investment options – repo and securities-based lending – alongside government, SSA, and investment-grade corporate exposure. Assets are legally segregated with no credit exposure to TreasurySpring, and you see through to every underlying product.

Bar diagram showing reverse repo investments are secured against an over-collateralised pool of pre-agreed assets, held by major global banks.

One onboarding, none of the build-out

A single digital onboarding removes the need for repeat bilateral documentation, market infrastructure, and settlement. The platform handles execution, settlement, and full lifecycle management. You select the product, we do the rest.

Illustration of the simplicity of the TreasurySpring onboarding process and platform. One KYC/AML, every entity in your universe, 120+ counterparties.

WHERE WE FIT

All of the access. None of overhead.

Excess liquidity

Deploy surplus balances held at the central bank or with correspondent banks across a diversified, investment-grade counterparty set.

Regulatory capital reserves

Generate returns on mandatory capital held, with full look-through transparency for CRR treatment.

Operational & term cash

Ladder short-dated, day-to-day liquidity to your balance sheet needs, from one day to one year.

Access on your terms

Enterprise-grade technology.

Access cash investments through our intuitive portal, connect the tools you already use, or use your own systems via our public API. No new infrastructure required.

Everything in one view. See and manage every entity from one login.

Build it in. Embed and automate end-to-end with our public API.

Works with your stack. Pre-built connectors for the tools you already use.

FAQ

Frequently asked questions.

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Expert insights.

Sharp insights from some of the sharpest minds in treasury – combining deep experience, fresh thinking, and a healthy appetite for doing things differently. Your place for smart, thought-provoking perspectives on capital markets, treasury, and the changing world of cash management.

The new standard in cash investing.