ZenTreasury
ZenTreasury is a financial contract accounting platform for finance and treasury teams.
What ZenTreasury is
ZenTreasury is a financial contract accounting platform for finance and treasury teams. It converts leases, loans and foreign-exchange positions into schedules, journal entries, disclosures and an audit trail. Lease workflows cover IFRS 16 recognition, schedules, modifications, remeasurements, indexation and foreign-currency retranslation. The maker says US entities can use ASC 842, while international subsidiaries use IFRS 16; ASC 842 support is in early access under finance oversight. The platform also handles deposits, money-market instruments, commercial paper, bonds, FX contracts, guarantees and trade finance. Approval workflows, role-based access, module permissions and second-approver checks support controls. Data can arrive through configurable files, scheduled imports, APIs, feeds or structured imports, with ERP and bank integrations. Reports and access include Excel, PDF, Power BI, a REST API and read-only MCP access. It does not initiate payments or execute trades. Pricing is on request.
Good
- Supports IFRS 16 lease accounting workflows
- Covers loans, bonds, FX and trade finance
- Includes approval workflows and audit trails
- Offers ERP, bank and API integrations
- EU production servers and AES-256 backups
Watch out
- ASC 842 support is early access
- Does not initiate payments or execute trades
- Pricing requires a request
- Support excludes Finnish public holidays
Who it suits
It suits CFO-office finance teams, treasury teams, group controllers, CFOs and auditors managing multi-entity financial contracts.
Verdict
ZenTreasury combines contract accounting, treasury instruments, controls and integrations in one platform. It is aimed at organizations needing detailed lease and treasury records rather than payment execution.
Plans and prices
From ZenTreasury's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Premium | €799 a month | up to 100 financial contracts · 6 user seats · 1 admin seat · 10 reporting companies · 20 bank accounts · one-time setup €3,999 · annually |
| Premium Plus | €1,280 a month | up to 300 financial contracts · 10 user seats · 3 admin seats · 20 reporting companies · 40 bank accounts · one-time setup €4,999 · adds Audit Trail and Projects · annually |
| Enterprise | Priced on request | 300+ contracts · custom seats and entities · advanced integrations · enterprise SLAs · priority support |
| ZenTreasury | Priced on request | Subscription scales with financial-contract portfolio size and activity · implementation scoped separately · customer-specific integration work scoped separately |
The facts
Each one read from ZenTreasury's own pages, with the date it was checked.
What it does
- Access controls
- The platform provides Microsoft Entra ID single sign-on, multi-factor authentication, per-module permissions, company scoping and four-eye approvals.checked 15 Oct 2026
- Accounting exports
- Posting rules map contract events to chart-of-accounts entries that can be exported to an accounting or ERP system.checked 15 Oct 2026
- Accounting standards
- The maker says US entities can use ASC 842 while international subsidiaries use IFRS 16; ASC 842 support is in early access under finance oversight.checked 8 Oct 2026
- AI extensibility
- Administrators can enable a read-only, tenant-scoped MCP connection for clients such as Claude, ChatGPT and Cursor; requests are logged.checked 15 Oct 2026
- API
- A paid REST API add-on uses OAuth2 and includes 2,000 calls per year across endpoints.checked 15 Oct 2026
- Banking limitation
- ZenTreasury states that it does not initiate payments or execute trades.checked 15 Oct 2026
- Cash forecasting
- Cash forecasts combine contract data from FX, loans, leases, guarantees and forecast items across short-term, weekly and long-term views.checked 15 Oct 2026
- Compliance evidence
- ZenTreasury publishes a CSA STAR Level 1 CAIQ self-assessment and says an international audit firm independently reviewed its IFRS 16 calculations.checked 15 Oct 2026
- Controls
- Included controls include approval workflows, an audit trail and role-based access.checked 8 Oct 2026
- Data portability
- EU and EEA customers can request structured exports such as CSV or Excel, with at least 30 days to retrieve data after termination.checked 15 Oct 2026
- Encryption and backups
- Traffic uses TLS 1.2 or higher with HSTS, while customer databases receive nightly off-site backups encrypted with AES-256.checked 15 Oct 2026
- Implementation
- The company says environments are normally provisioned in one to two days and most implementations go live within four to eight weeks.checked 15 Oct 2026
- Integrations
- The service supports configurable files, scheduled feeds and APIs for ERP, accounting, banking, trading-platform and market-rate data.checked 15 Oct 2026
- Intended users
- ZenTreasury is aimed at Office of the CFO finance and treasury teams, including group controllers, CFOs, treasury teams and auditors.checked 8 Oct 2026
- Lease accounting
- The lease module calculates IFRS 16 right-of-use assets, liabilities, depreciation, interest, modifications, remeasurements, indexation and foreign-currency translation.checked 15 Oct 2026
The company
- Company
- ZenTreasury Oy is a Finnish software company founded in Helsinki in 2016 and headquartered in Helsinki.checked 8 Oct 2026
- Company headquarters
- The headquarters address is Itämerenkatu 3, 00180 Helsinki, Finland, with a regional office in Dubai DIFC.checked 15 Oct 2026
- Company history
- ZenTreasury says it was founded in Helsinki in 2016 by Lars Nevalainen and remains founder-owned.checked 15 Oct 2026
- Company legal name
- The Finnish contracting entity is ZenTreasury Oy, business ID 2762104-2; a Dubai entity named ZenTreasury Technologies Ltd also contracts with customers outside the EU/EEA.checked 15 Oct 2026
- Company size
- LinkedIn lists ZenTreasury as privately held with 2–10 employees and headquarters in Helsinki.checked 15 Oct 2026
- Founded
- 2016checked 28 Sep 2026
- Funding and ownership
- Crunchbase lists ZenTreasury as private and seed-stage, identifies Lars Nevalainen as founder and CEO, and names ZenTreasury Oy as the legal name.checked 15 Oct 2026
- Headquarters
- Helsinki, Finlandchecked 28 Sep 2026
Where it runs
- Identity and approvals
- The product supports Microsoft Entra ID single sign-on, multi-factor authentication, per-module permissions and second-approver checks for critical treasury transactions.checked 8 Oct 2026
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