Introduction
In today’s fast-paced business environment, SMEs need more than just basic banking—they require intelligent, integrated solutions that keep their finances running smoothly around the clock. Airwallex provides world-class payment infrastructure, enabling businesses to hold, manage, and move funds globally with multi-currency accounts, seamless cross-border payments, and robust expense management.
But while Airwallex gives you the rails to operate internationally, true financial optimization comes from layering in automation and intelligence. CashWise transforms Airwallex from a powerful payments engine into an objectives-based automation platform, acting like a virtual finance team working 24/7. By connecting directly to Airwallex, CashWise automates everything from invoice capture and approval to payment scheduling and treasury optimization, ensuring your funds are always in the right place at the right time and your team is freed from repetitive admin tasks.
The Power of CashWise: Automation and Optimization
CashWise is designed to transform how SMEs manage their finances by bringing advanced automation and intelligent optimization to every step of the financial workflow. With AI-powered bill processing, CashWise captures invoices in any format, extracts all key data, and seamlessly splits information into payees and payables—eliminating manual data entry and reducing the risk of errors.
Beyond streamlining accounts payable, CashWise automates payment scheduling and cash flow forecasting, integrating directly with your preferred payment providers. The platform’s treasury optimization module automatically calculates free cash and invests idle funds, maximizing daily interest earnings without sacrificing liquidity. By centralizing cash management and automating routine decisions, CashWise enables SMEs to reduce their finance workload by up to 85% while earning more than double the interest compared to manual processes. This empowers small teams to focus on strategic growth instead of repetitive admin.
Airwallex: The Global Payments Engine for Every SME
Airwallex delivers a robust payment infrastructure that empowers SMEs to manage their finances with maximum flexibility—whether they’re scaling globally or operating locally. Businesses can open multi-currency accounts in minutes, hold and transact in over 20 currencies, and send payments to more than 150 countries, all without the hassle of traditional bank paperwork or monthly fees.
What truly sets Airwallex apart is its open API ecosystem, enabling seamless integration with other platforms and allowing businesses to automate and customize their financial workflows. Whether you want to streamline bulk payments, issue virtual cards for team expenses, or connect with e-commerce and accounting systems, Airwallex’s API-first approach provides the building blocks for scalable, automated solutions. This flexibility makes Airwallex equally powerful for businesses focused on local markets, offering tools to simplify financial administration and unlock new opportunities for growth.
Seamless Integration: CashWise + Airwallex
When CashWise and Airwallex are connected, businesses unlock a truly intelligent and proactive financial management engine. CashWise projects your cash flow up to 60 days into the future, continuously analyzing all incoming and outgoing payments, scheduled obligations, and your company’s policies. This ensures funds are always in the right place at the right time—automatically moving cash into your Airwallex account to meet upcoming payments, while maximizing returns on idle balances.
The CashWise scheduling engine is fully aware of cash transit times, market order execution, and even holidays and weekends, so it never misses a beat or makes costly errors. If a shortfall is predicted, CashWise notifies you with ample lead time, giving you the opportunity to take corrective action before any issues arise. This seamless, always-on integration provides the precision and reliability of a dedicated team working 24/7, ensuring liquidity, minimizing risk, and keeping your business running smoothly no matter where or when payments are due.
Advanced Approval Workflows and Security
CashWise delivers robust, customizable approval workflows that allow SMEs to maintain strong financial controls without sacrificing efficiency. Businesses can set up multi-layer approval rules based on transaction size, payee, currency, or other criteria, ensuring that high-value or sensitive payments receive the necessary oversight. Approvers are notified instantly of pending actions, and every decision is logged with a full audit trail, providing transparency and accountability at every step.
Security is foundational to both CashWise and Airwallex. CashWise minimizes banking deposit risk by automatically moving idle funds into investment accounts that are bankruptcy remote and held in trust by licensed custodians, such as DBS and HSBC, via platforms like Syfe. This structure ensures client assets are segregated and protected even in the unlikely event of a provider’s insolvency. Airwallex complements these safeguards with enterprise-grade security, including PCI-DSS Level 1 certification, AES-256 encryption, and real-time fraud monitoring. Together, these measures create a secure, always-on financial environment where automation and oversight work hand in hand to protect your business.
Treasury Optimization, Real-World Impact, and Adaptive Cash Planning
CashWise redefines treasury management by ensuring that every dollar in your business is optimized automatically, with minimal manual intervention. The platform continuously monitors your cash flow, upcoming obligations, and real-time balances in your Airwallex accounts, using intelligent automation to move surplus funds into high-yield investment accounts through trusted partners. Unlike traditional fixed deposits, these investments offer daily liquidity and higher projected returns, so your cash is always earning more without being locked away.
What sets CashWise apart is its adaptive, always-on cash planning. The system recalculates your cash position and requirements multiple times each day, taking into account all scheduled inflows and outflows, as well as actual income received in your Airwallex accounts. If payments arrive early, late, or in partial amounts, CashWise automatically updates its projections and adjusts fund movements accordingly. By 9am each day, you have a refreshed, accurate view of your cash flow for the next 60 days, with all necessary actions already planned and executed. If a potential shortfall is detected, CashWise notifies you well in advance, giving you ample time to take corrective action and maintain financial stability. This seamless automation delivers the equivalent of a dedicated treasury team working around the clock—so your finances are always working at their best.
Why CashWise with Airwallex is Superior to Standalone Solutions
While both CashWise and Airwallex offer significant advantages as standalone platforms, their combined power creates a solution that is unmatched in efficiency, intelligence, and financial performance for SMEs. Airwallex alone provides robust multi-currency accounts, competitive FX rates, seamless global payments, and advanced expense management features. However, even with these capabilities, finance teams still face the challenges of manual cash planning, idle funds, and the risk of missing optimal investment opportunities.
CashWise, when layered on top of Airwallex, transforms this payment infrastructure into an intelligent automation engine. CashWise automates the entire cash management cycle: capturing invoices, running multi-layer approvals, projecting cash flow up to 60 days ahead, and moving excess funds into high-yield investments—all without manual intervention. The platform recalculates and adapts to real-time cash movements in Airwallex accounts multiple times daily, ensuring that your business is always prepared for upcoming obligations. This synergy not only saves time and reduces risk, but also ensures your business is equipped to scale efficiently, adapt to market changes, and unlock new growth opportunities.
Conclusion
CashWise and Airwallex together deliver a transformative leap in financial operations for SMEs, combining intelligent automation with world-class payment infrastructure. By integrating CashWise’s adaptive cash management, automated treasury optimization, and advanced approval workflows with Airwallex’s global accounts, real-time payments, and open API ecosystem, businesses can eliminate manual processes, reduce risk, and maximize returns on every dollar—locally and globally.
The result is more than just operational efficiency: it’s a smarter, always-on finance engine that adapts to your real-world cash flow, ensures liquidity, and delivers up to 85% reduction in financial workload with more than double the interest earnings compared to manual processes. Whether your business is expanding internationally or optimizing local operations, CashWise with Airwallex gives you the tools, insight, and automation to stay ahead—empowering your team to focus on growth while your finances run on autopilot.