Treasury

Put every balance where it should be, automatically.

Sweep collected funds on a schedule or threshold, convert EUR and GBP into USDC or USDT, and settle with counterparties instantly over BLINC, around the clock.

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Available to verified businesses only.

Sample data

Merchant A · EUR

Merchant B · EUR

Merchant C · EUR

Operating account · EUR

Keep balance above (EUR)

Rule: sweep everything above the kept balance to Operating at 18:00

The problem

Money that has arrived still has to be moved.

Balances pile up across collection accounts and have to be moved by hand.
Settling with counterparties over bank rails stops at the weekend.
Converting fiat into stablecoins means another provider, another ledger and another reconciliation.

How it works

Four steps, no manual matching.

Define a rule

Set a scheduled or threshold sweep rule for any group of accounts.

Sweep

Balances move to your master or operating account automatically.

Convert

Request a quote and convert into USDC or USDT to a whitelisted wallet.

Settle

Send instant transfers to BLINC members in EUR, GBP, USD, JPY or CHF.

Features

Everything you need, nothing you have to build.

Scheduled sweeps

Move balances to a master or operating account daily, weekly or at a set time.

Threshold sweeps

Sweep anything above a target balance; top up anything below.

Fiat-to-stablecoin

Convert incoming EUR/GBP to USDC or USDT on Ethereum, Polygon, Solana or Tron at quoted rates, delivered to a whitelisted wallet.

Stablecoin-to-fiat

Redeem stablecoins into your collection balances.

BLINC settlement

Instant transfers to other BLINC members in EUR, GBP, USD, JPY or CHF, 24/7.

Quotes and limits

Request a quote, accept within its validity window; daily limits per currency.

Wallet whitelisting

Crypto withdrawals only to pre-approved, screened addresses (Travel Rule data captured).

Treasury reports

Positions by currency, FX history, sweep log.

Interactive demo

Try it with sample data.

Sample data

Merchant A · EUR

Merchant B · EUR

Merchant C · EUR

Operating account · EUR

Keep balance above (EUR)

Rule: sweep everything above the kept balance to Operating at 18:00

Developers

Create a sweep rule

Idempotent POST, synchronous response, signed webhook. Full details in the API reference.

Compliance note

Stablecoin conversions are only available to eligible clients after enhanced due diligence. Destination wallets are screened before whitelisting and Travel Rule information is exchanged where required.

Request

curl https://api.neofin.tech/v1/sweep-rules \
  -H "Authorization: Bearer $NEO_API_KEY" \
  -H "Idempotency-Key: 1c9f3b5d-7e2a-4d6c-b8f0-2a4c6e8d0b1f" \
  -H "Content-Type: application/json" \
  -d '{
    "source": { "group": "merchants-eu" },
    "destination": "ca_Operating1",
    "currency": "EUR",
    "trigger": { "type": "threshold", "keep_balance": 1000000 },
    "schedule": "daily@18:00 Europe/Paris"
  }'

Response

{
  "id": "sr_4Vb2Nm",
  "object": "sweep_rule",
  "status": "active",
  "source": { "group": "merchants-eu" },
  "destination": "ca_Operating1",
  "currency": "EUR",
  "trigger": { "type": "threshold", "keep_balance": 1000000 },
  "schedule": "daily@18:00 Europe/Paris",
  "next_run_at": "2026-11-05T17:00:00Z",
  "created_at": "2026-11-05T14:02:11Z"
}

sweep.completed

{
  "id": "ev_8Sw19",
  "type": "sweep.completed",
  "created_at": "2026-11-05T17:00:12Z",
  "data": {
    "id": "sw_6Yt3Dq",
    "rule": "sr_4Vb2Nm",
    "currency": "EUR",
    "total_amount": 18450000,
    "transfers": 14,
    "destination": "ca_Operating1",
    "completed_at": "2026-11-05T17:00:12Z"
  }
}

FAQ

Questions we get about Treasury.

Who can use stablecoin conversion?

Eligible business clients in the EEA, the UK, Switzerland and Canada, after enhanced due diligence. Eligibility applies and is reviewed periodically.

What is BLINC?

The banking partner's proprietary instant settlement network between its clients. Transfers between members are instant and run 24/7.

What rates do you offer?

Rates are quoted per request and are valid for a short window. Conversion pricing is set out in your agreement.

Can sweeps go to an external bank?

Yes, to verified beneficiaries in your own name.

Issue your first virtual IBAN this week.

Sandbox access is immediate. Live accounts follow KYB review of your business.

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