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Multi-Entity Treasury Management: Unified View Across Subsidiaries

Managing treasury operations across multiple legal entities, currencies, and jurisdictions with a single platform and real-time visibility.

15 min read
January 10, 2025
Managing treasury operations across multiple legal entities, currencies, and jurisdictions is among the most complex challenges facing enterprise finance teams. Traditional approaches require separate bank relationships per entity, manual intercompany transfers, and laborious consolidation for cash visibility. Modern treasury infrastructure built on stablecoin rails enables unified treasury management with real-time visibility across all entities, instant intercompany settlement, and automated consolidation.

The Multi-Entity Challenge

A typical multinational with 20 subsidiaries might maintain 50+ bank accounts across 15 banks in 10 countries. Each relationship requires separate administration, fee negotiation, and reporting. Intercompany payments take days and incur fees. Cash visibility requires manual consolidation that's often days or weeks stale by the time it's complete.

50+
Average Bank Accounts (20-entity company)
5 days
Average Cash Position Lag
2-3%
Annual FX/Transfer Costs

Unified Treasury Architecture

GRAIN's multi-entity treasury solution provides a single pane of glass across all subsidiaries. Each entity maintains its own wallet (for legal separation) while the parent treasury has real-time visibility and control. Intercompany transfers settle instantly at zero cost. Currency conversion happens at wholesale rates when needed.

typescript
// Multi-Entity Treasury Dashboard
const treasury = await TreasurySDK.connect({ role: 'parent' })

// Real-time consolidated view
const consolidatedBalance = await treasury.getConsolidatedBalance()
// Returns: { total: 125000000, byEntity: { 'US-Corp': 50M, 'UK-Ltd': 35M, ... } }

// Instant intercompany transfer
await treasury.intercompanyTransfer({
  from: 'US-Corp',
  to: 'UK-Ltd',
  amount: 5000000,
  currency: 'GRAIN',
  purpose: 'Operating capital',
  // Settled in seconds, documented for transfer pricing
})

// Automated cash pooling
await treasury.enableCashPooling({
  target: { entity: 'US-Corp', minBalance: 10000000 },
  sources: ['UK-Ltd', 'DE-GmbH', 'JP-KK'],
  threshold: 5000000  // Transfer when source exceeds threshold
})

Ready to Transform Your Treasury?

Join forward-thinking enterprises using GRAIN for instant, zero-friction payments with protected reserves.

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