Treasury software promised to revolutionize cash management. Instead, it became a prettier version of the spreadsheet it was meant to replace.
Invoice terms say Net-30. Your largest customer's AP department runs payments on the 15th and 30th. They have a $50K approval threshold that delays larger invoices by a week. Your ERP doesn't know this. Your treasury system doesn't learn it. But your cash position depends on it.
When your 13-week forecast drops by €2M between Monday and Friday, the only acceptable answer is not "the model updated." It's "Invoice #4421 from Acme Corp moved from Week 3 to Week 5 based on their historical payment pattern." Every delta needs a citation.
Managing group liquidity across 14 banks, 8 currencies, and 6 ERPs shouldn't require a team of analysts reconciling exports in Excel. The cognitive overhead of switching between portals, formats, and time zones creates a hidden tax on every treasury decision.
When external auditors ask "What did your Week 37 forecast show for October collections?", most treasury teams cannot answer. The forecast changed. The snapshot wasn't saved. The trail doesn't exist. This is not a software limitation—it's a design choice we reject.
Four non-negotiable principles that govern every feature we ship and every decision we make.
We reject probabilistic hand-waving. When Gitto shows €1.2M in Week 4, you can click through to the exact 47 invoices, 12 recurring contracts, and 3 one-time payments that compose it. The forecast is not a prediction—it is an aggregation of known commitments with behavioral timing adjustments.
Built from first principles for finance teams that demand auditability, not just functionality.
Every number in Gitto traces back to a bank transaction, invoice, or explicit manual adjustment. We maintain four data tiers—Bank-True, Reconciled, Modeled, and Unknown—so you always know the provenance and confidence level of what you're seeing.
4-tier match ladder from deterministic to manual. Many-to-many matching with allocation conservation.
Probabilistic forecasting with P25/P50/P75 confidence bands. Every cell drills to source documents.
Automated week-over-week attribution. Every movement explained with driver categories.
What-if scenario builder. Real-time impact calculation across the 13-week horizon.
We understand that treasury systems process sensitive financial data and must withstand both internal audit scrutiny and external regulatory review. Security is not a feature—it is the foundation.
Full audit trail retained with immutable snapshots for regulatory compliance.
Enterprise-grade availability with multi-region redundancy.
Bank-grade encryption with customer-managed key option.
Every action logged with user, timestamp, and full context.
Built by finance practitioners and engineers who lived the problems we're solving.
Former treasury analyst who spent too many Monday mornings reconciling spreadsheets. Built Gitto to eliminate the gap between what CFOs see and what the bank says.
Our team includes former treasury managers from Fortune 500 companies, bringing deep understanding of cash management, FX hedging, and liquidity planning at scale.
Engineers from leading fintech and enterprise software companies. We build systems that are auditable by design, not as an afterthought.
Join finance teams that have replaced spreadsheet chaos with bank-truth forecasting. Book a personalized demo with your data.