Managing multiple business entities across jurisdictions is a major operational challenge—especially when each subsidiary relies on separate bank accounts, payment platforms, and compliance processes. Holding companies need real-time financial visibility, efficient fund transfers, and the ability to optimize liquidity across their structure.
Monetum worked with a European holding group managing five subsidiaries in sectors ranging from digital marketing to technology services. The group needed a more unified and cost-efficient way to manage cash flow, euro payments, and crypto reserves across borders.
The Challenge: Fragmented Banking Structures and Cash Flow Blind Spots
Like many diversified groups, this holding company was juggling:
- Multiple banking relationships, each with its own onboarding requirements and compliance rules.
- Manual intercompany fund transfers, slowing down operational decisions.
- Limited real-time visibility over account balances and financial movement.
- No centralized crypto strategy, despite holding stablecoin reserves.
The result was inefficient treasury management, higher fees, and compliance risks due to inconsistent controls.
The Monetum Solution: A Unified Payment Ecosystem
Monetum provided a tailored treasury management framework, fully integrated into the holding’s operational workflows:
- Multiple EUR IBANs, one per subsidiary, managed from a single dashboard with granular user access controls.
- Internal transfers between entities, processed instantly without fees or settlement delays.
- Role-based user permissions, ensuring CFOs and controllers could oversee different accounts securely.
- Integrated crypto services, allowing the holding to convert and allocate stablecoins (USDT) into operational funds or investments.
- Investment options, such as crypto indexes and stablecoin APY returns, for idle corporate liquidity.
With everything centralized and customizable, the holding group gained full control over its treasury without sacrificing flexibility.
The Impact: Strategic Clarity and Operational Efficiency
- Reduction in treasury admin time by over 70%, freeing finance staff to focus on analysis, not reconciliation.
- Immediate fund reallocation, ensuring capital was available where needed, when needed.
- Lower transaction costs, especially for intra-group SEPA and crypto operations.
- Clear audit trails and reporting, simplifying internal compliance and investor reporting.
- Scalable infrastructure, ready for onboarding additional subsidiaries with zero friction.
The group also reduced its exposure to banking limitations by using Monetum as a compliant, forward-thinking alternative.
Why It Matters
European holding companies are becoming increasingly sophisticated in their treasury management, but traditional banking still struggles to keep up. Monetum enables centralized, multi-entity financial management—without borders, delays, or compliance surprises.
If you operate a multi-entity structure and need better oversight, control, and speed across your accounts, Monetum delivers the centralized dashboard and financial tools to match your ambitions.
