Tool 83 · Treasury, Strategy & Revenue

Treasury Operations
Decision Lab

A five-stage decision framework for treasury teams: model your revenue profile, optimise fee structures across A2A and card rails, stress-test float and FX strategies, quantify revenue leakage, and export a board-ready CFO treasury memo. Synthesises Tool 01 (A2A Fee Calculator), Tool 38 (ClearCost), Tool 39 (Liquidity Simulator), Tool 41 (Chargeback Builder), Tool 52 (Interchange Optimizer), Tool 79 (Dynamic Discounting), and Tool 76 (FX Hedge Optimizer). Client-side. Zero PII.

Zero PII · Client-Side Only 5 Stages · CFO Memo Export 📊 13 Upstream Tools AP2 JSON · Markdown
How to use this tool Work through all five stages in order. Stages 1–4 collect inputs via option cards and numeric fields; each stage pre-fills sensible defaults based on your business model. Stage 5 synthesises everything into a CFO-ready treasury memo. Export as Markdown or AP2 JSON. Return to any stage via the stage bar above.

Stage 1 — Revenue Model

Select your business model. This pre-fills default values for payment volume, payment mix, and chargeback rate in downstream stages.

Business Model
Annual Payment Volume
Primary Cost Driver
Payment Mix

Drag the sliders to set your payment channel mix. Values should total 100%.

Credit / Debit Card
55%
A2A / Bank Transfer
30%
Wallets / Other
15%
Total: 100% ✓
⚠ Please select a Business Model, Payment Volume, and Primary Cost Driver before continuing.

Stage 2 — Fee Structure Optimization

Model your current fee burden across A2A and card rails. See Tool 01 for granular A2A fees, Tool 52 for interchange tiers, and Tool 38 for blended cost analysis.

Current Rail & Fee Inputs
Used to model per-transaction fee impact
Interchange + scheme + acquirer
E.g. 0.25% for ACH, flat $0.30 for FedNow
Card Interchange Category
A2A Rail in Use
⚠ Please select an Interchange Category and A2A Rail before continuing.

Stage 3 — Settlement & Float Strategy

Model float targets, rebalancing triggers, and FX exposure. See Tool 39 and Tool 76 for deeper modelling.

Settlement Timing
Float Management Strategy
FX Exposure & Hedging
% of volume settled in foreign currency
SOFR / money market benchmark rate
⚠ Please select a Settlement Timing and Float Management Strategy before continuing.

Stage 4 — Revenue Leakage Analysis

Quantify leakage from chargebacks, FX drag, interchange downgrade, and late settlement. See Tool 41 and Tool 79 for detailed modelling.

Chargeback & Dispute Profile
Industry avg: 0.5–0.9% for e-commerce
Industry avg: 30–45%
Interchange Downgrade Leakage
Early Payment & Dynamic Discounting
Typical: 1–2% for 2/10 Net 30
Leakage Summary
⚠ Please select a Downgrade Exposure level before continuing.

Stage 5 — CFO Treasury Memo

Review your complete treasury analysis. Generate a board-ready CFO memo with savings projections, implementation roadmap, and risk register.

Executive Summary
3-Column Savings Table
Implementation Priority
Risk Register
CFO Treasury Memo
Click "Generate CFO Memo" to produce a board-ready treasury analysis document.