For finance teams in multi-entity groups

Treasury governance, at the moment of decision.

The policy is enforced before the money moves — on this morning's payment run and on the hedge you book next quarter. Evidence and audit trail are byproducts of every decision, not reconstructed during audit prep.

app.capallo.io/decisions/RUN-20260728-0043
Payments › Supplier run · Thu 28 Jul
● 1 line held
412 payments · A$3,847,220
pain.001 from ERP · operating account · Ava Singh, 08:41
Held — beneficiary verification required

Meridian Clinical Supplies · A$182,400. Bank details last verified 412 days ago; policy requires re-verification every 180. Release needs a completed callback record against the vendor's registered contact.

Cleared
409 lines · A$3.61M
Held for evidence
1 line · A$182k
Routed for approval
2 lines · above entity limit
⚠ The run continues. Only the failing line stops — 409 payments still go out on time.
beneficiary re-verified delegation matrix paying account vs mandate
Request verificationRelease 409 cleared lines
Evaluated against
Group Payment Release · v3.1
Same engine governs
Hedges · debt · investments
Would route to
Financial Controller

One line in this morning's supplier run, stopped before the money moved. The other 409 still go out on time. The same policy engine governs hedges, drawdowns and intercompany funding.

Illustrative product UI, simplified for clarity.

How it works

One governed decision,
end to end.

Watch a single treasury decision move through the lifecycle: policy enforced before the money moves, approvals routed by authority, evidence captured, and every step appended to a tamper-evident chain. One lifecycle, across six decision domains.

Tamper-evident audit chain · every step hash-linked
Prepared
Draft + required evidence
Policy review
Enforced at submission
Approval
Routed by delegation matrix
Execute
Two-person control
Reconcile
Matched to the bank
Sealed pack
awaiting chain…
The gap

Treasury moved to the board.
The tools didn't.

Treasury holds the answer to how long we survive. When a lender, trustee or auditor asks, it also has to prove the policy held. The work still happens in spreadsheet models that drift, email approvals that get lost, and evidence reconstructed during audit season. Three weeks of every quarter spent assembling what should have just existed.

Today
docs/policy_v4.docxLast modified · 14 months ago
covenant_tracker.xlsx47 sheets · 8,000 formulas
Re: Approval neededEmail thread · 23 replies
audit_evidence_Q4.zipReconstructed · 19 days late

Drift between policy, decision, and evidence stays invisible until audit.

With Capallo
Decision submitted · debt drawdown
Received
Tier-2 approval requested
Routing
Hedge designation · USD 12M
Captured
FY26 audit pack requested
Received

Policy enforced live. Drift caught between decisions. Evidence captured as the work happens.

Why it works

Governance,
designed in.

The architectural choices that separate Capallo from the TMS and GRC tools sitting next to it.

Policies that run, not policies that sit

Decision submitted · debt drawdown $5M

Policies live as structured, versioned, executable rules. Not Word docs. The evaluator runs at the moment of decision, not at audit time.

Evidence captured automatically

Tier-2 approval submitted

Approvals, attestations, calculation packs, and signatory mandates are captured automatically as the decision flows. No reconstruction.

Audit trail, built in

Replay request · FY24 Q3 hedge

Every transition is permanently logged and hash-chained with SHA-256. Replay any decision against any historical policy version on demand.

Drift caught between decisions

Position check · cash concentration

Limits don’t only break at the moment of a decision: concentration creeps, hedge coverage slips, counterparty reviews lapse. Capallo evaluates your current positions against every active limit and surfaces the drift, instead of it hiding until audit.

The audit chain

Tamper-evident
by construction.

The proof is free because the prevention happened. Evidence isn't a report you assemble at audit time. It's what's left behind when the policy is enforced, written to an append-only chain where each event carries a hash of the one before it. Change one record and the break is provable.

Immutable event logDEC-20260426-0083
decision.created
Ava Singh · 09:14:02
#7b2e91
evidence.attached
Ava Singh · 09:15:40
#a3f1c9
policy.evaluated
system · 09:15:41
#9c2e07
approval.granted
Marcus Chen · 11:02:18
#5d77be
execution.recorded
Marcus Chen · 16:20:09
#2f6cab
execution.attested
Priya Raman · 16:41:33
#b14d8e
reconciliation.matched
Priya Raman · 17:03:20
#e1a7d4
Verifying chain…

Hash-chained

Every event carries the SHA-256 of the one before it. Alter any record and every hash downstream stops matching.

Deterministic replay

Each evaluation snapshots its inputs. Re-run any past decision against its exact policy version and get an identical result, on demand.

Sealed, hash-chained packs

Export a board and auditor-ready pack with a SHA-256 hash chain over the policy, evidence, approvals and reconciliation.

That chain isn't a diagram. Here's a real decision's custody trail in the product, every stage attributed and hash-linked.

app.capallo.io/audit/DEC-20260630-0112
Audit › Chain of custody · DEC-20260630-0112
● Chain verified
Every step, attributed and hash-linked
Five stages · five people · assembled as a by-product of the work.
Created
Ava Singh · 09:14
#7b2e91
Approved · independent
Marcus Chen · 11:02
#5d77be
Executed
Marcus Chen · 16:20
#2f6cab
Attested · maker ≠ checker
Priya Raman · 16:41
#b14d8e
Reconciled to bank
Priya Raman · 17:03
#e1a7d4
✓ Chain verified · 5 events · 0 breaks · nobody wrote this report
4 evidence artifactspolicy v2.4 · snapshottedreplayable · deterministic
Open sealed packExport chain (CSV)

Illustrative product UI, simplified for clarity.

Domain coverage

Every treasury decision,
governed the same way.

The same policy engine that governs a hedge governs today's payment run. One lifecycle, one policy framework, one audit trail, from the decisions you make every morning to the ones you make twice a year.

Payment releases

Daily

Every line in the run tested against mandates, delegated authority and beneficiary verification. Failing lines stop; the rest go on time.

Liquidity transfers

Weekly

Intra-entity sweeps and balance moves, cash-buffer aware.

Intercompany funding

Monthly

Cross-entity flows with transfer-pricing and withholding evidence captured.

Debt actions

Quarterly

Drawdowns, repayments, covenant testing, compliance certificates.

FX hedges

Periodic

Designation under IFRS 9. Hedge accounting hand-off and effectiveness.

Investment actions

Periodic

Counterparty + concentration limits, instrument eligibility, maturity ladder.

The hard end

The same engine, on the decision that ends careers.

app.capallo.io/decisions/DEC-20260630-0112
Decisions › Intercompany loan
● Blocked by policy
HoldCo → UK subsidiary · A$20,000,000
Quarter-end working-capital funding · requested by Ava Singh
Covenant breach — leverage

This loan + the FX hedge roll add A$28M to covenant-defined debt. Your policy encodes “Total Indebtedness” (cl. 9.1) as including intercompany loans and hedge MTM, which takes leverage past the 3.50× cap on your A$50M facility.

Leverage
3.42×3.70×
Covenant cap
3.50×
Total indebtedness
342MA$370M
⚠ A covenant breach is an event of default. Modelled waiver cost: ~A$1M+.
leverage ≤ 3.50× liquidity buffer delegation matrix
Split across reporting datesAmend & fix
Evaluated against
HoldCo Liquidity & Leverage · v2.4
Evidence
4 artifacts · checksummed
Would route to
Treasurer · Group FC

An intercompany loan and an FX hedge roll. Each one routine on its own, and together a covenant breach. Same policy versioning, same evidence chain, same sealed pack as the payment run above.

Illustrative product UI, simplified for clarity.

The deliverable

Every decision, its own sealed pack.

Board- and auditor-ready in a click: policy version, evidence, approvals and reconciliation, under one SHA-256 hash chain.

app.capallo.io/decisions/DEC-20260630-0112/pack
Decisions › DEC-20260630-0112 › Pack
● Sealed
Board and auditor-ready receipt
One click. Nothing to assemble.
DECISION PACK

DEC-20260630-0112

🔒
  • Policy v2.4 · snapshotted
  • 4 evidence artifacts
  • 2 approvals · SoD verified
  • Reconciled to bank
sha256 e1a7d4 ← b14d8e ← 2f6cab ← 5d77be ← 7b2e91
Download sealed PDFCopy verification link

Illustrative product UI, simplified for clarity.

Let's talk

Book a conversation.

45 minutes with the founder. Whether you're a CFO or treasurer looking to bring governance in-house, or an advisory firm exploring the Charter Partner cohort with your clients, we'll walk through Capallo end-to-end and see where it fits.

Fastest path

Pick a time directly.

If you already know you want to talk, skip the form. Grab a slot on my calendar, usually same week.

Book a call

cal.com/capallo

Replies go to hello@capallo.io.