Pooled Cash & Fund Accountability
View consolidated cash alongside fund ownership, restrictions, account-level detail and organizational accountability.
Cash Insights LGX™ | Public Sector Cash Pooling
One Cash Pool. Hundreds of Accounts. No Loss of Accountability.
Consolidate financial visibility across government cash accounts while preserving fund-level restrictions, organizational ownership, outstanding obligations and transaction-level settlement evidence.
Designed for municipalities, school districts, public universities and government agencies. ERP-agnostic. Bank-to-Book governed. Built around the distinction between Book Truth™ and Bank Truth™.
The Public Cash Pooling Blind Spot
A consolidated bank balance does not mean all cash is available.
Public-sector finance leaders manage cash across operating funds, grants, capital projects, payroll cycles, restricted resources and multiple financial institutions.
A pooled balance may simplify treasury management, but it can obscure the underlying ownership, restrictions, encumbrances, pending payments and timing differences that determine usable liquidity.
Four Questions Leadership Must Answer
Where Is the Cash?
Banks, accounts,
pooled balances
and internal
cash structures
Whose Cash Is It?
Funds, departments,
grants, projects
and legal restrictions
What Is Already Committed?
Encumbrances,
open payables,
payroll and
scheduled obligations
What Has Actually Settled?
Bank-verified
receipts, payments,
transfers and
unresolved differences
Contextual Bank Consolidation
See the whole pool. Preserve every fund's identity.
Cash Insights LGX™ is designed to aggregate bank and accounting information across accounts while maintaining the organizational and financial context behind each transaction.
Finance leaders can evaluate consolidated liquidity without treating restricted cash, interfund balances, encumbered resources or internal transfers as unrestricted spending capacity.
Illustrative Pooling Architecture
General Fund
Operating cash
and obligations
Grant Funds
Restricted uses
and award context
Capital Projects
Project funding
and encumbrances
Enterprise Funds
Dedicated operations
and cash cycles
Governed Consolidated
Liquidity View
Bank Truth™ +
Book Truth™ +
Fund Restrictions +
Outstanding Obligations
Conceptual reporting model. Consolidated visibility does not imply unrestricted pooling or authorization to transfer funds.
Public Treasury Intelligence
Move beyond account balances to governed cash intelligence.
The platform is designed to preserve the financial meaning of cash movements across accounts, funds and periods.
Bank-to-Book Reconciliation
Connect recorded cash activity with verified bank settlement. Identify timing differences, unmatched items and exceptions.
Interfund & Internal Transfers
Distinguish internal cash movement from external receipts and payments. Preserve the sending and receiving context.
Appropriations & Encumbrances
Associate available resources with relevant budgetary authority, commitments, open obligations and spending restrictions.
Interperiod Cash Reporting
Connect prior-period financial activity, current bank settlement and future obligations within a timing-aware reporting framework.
Automatching Technology
Support governed matching across accounting, subledger and bank records while preserving exception and review trails.
Contextually Available Liquidity
Bank balance is one number. Spendable liquidity is another.
The Cash Insights LGX™ framework is designed to distinguish verified bank balances from resources constrained by fund restrictions, outstanding obligations and other financial commitments.
Verified Cash Position
Identify actual bank-verified balances and movements across participating accounts. Preserve the timing of receipts, disbursements and transfers.
Restricted & Committed Cash
Apply relevant fund restrictions, open payables, encumbrances, payroll obligations and policy-based considerations when evaluating available resources.
Liquidity Timeline
Analyze projected receipts, payments and funding demands across daily, weekly, monthly and multiyear reporting periods.
Illustrative Efficiency Scenario
What could better reconciliation and reporting efficiency be worth?
Consider a public organization managing approximately 237–250 bank and cash accounts. The following planning scenario illustrates potential staff-time efficiency associated with reconciliation, interperiod reporting and KPI preparation.
160–231
Potential Staff Hours
per Month
Illustrative reduction
in manual reconciliation
and reporting effort.
1,920–2,772
Potential Staff Hours
per Year
Annualized estimate
based on the monthly
planning range.
$96K–$235K+
Potential Annual
Personnel-Efficiency Value
Illustrative value
of staff capacity,
not guaranteed
budget savings.
Planning assumption disclosure:
These figures are
illustrative estimates,
not observed customer
results or independently
validated performance.
Actual outcomes depend
on account structure,
existing processes,
staffing costs,
source-data quality,
implementation scope
and adoption.
Recovered staff
capacity does not
necessarily translate
into payroll reductions
or cash savings.
The dollar range
is not a guaranteed
return on investment.
Naturalized Cash Flow Engine™
Trace public cash from obligation through settlement.
The four-stage Naturalized Cash Flow Engine™ is designed to preserve the relationship between financial authorization, economic activity, recorded cash events and verified settlement.
PreObligation
Requisitions, commitments, encumbrances and relevant pre-obligation financial events.
Economic Origination
Delivery, performance, receivables and underlying economic activity.
Book Cash Recorded
Cash-related activity recorded in authorized accounting systems.
Bank-Verified Cash
Actual receipts and disbursements verified against bank settlement evidence.
ERP-Agnostic Governance Overlay
Keep the ERP. Keep the bank. Connect the truth.
Cash Insights LGX™ is designed to operate alongside existing accounting, treasury and banking systems rather than requiring a wholesale replacement.
Structured file ingestion can provide a phased starting point, with integrations evaluated according to data availability, permissions and implementation scope.
Universal Management Structure
Preserve fund,
department,
division,
project,
grant,
appropriation
and account-level
context.
Bank-to-Book
& Transfer-to-Zero
Support reconciliation
of bank and book
activity while
distinguishing
internal transfers
from external
cash movement.
Governance
& Audit Trail
Preserve source
relationships,
matching decisions,
exception status
and supporting
transaction evidence.
Scenario-Based
Cash Planning
Evaluate potential
liquidity effects
of delayed revenues,
grant timing,
payroll,
capital spending
and other
financial assumptions.
Cash Insights LGX™
Public Cash Deserves More Than a Consolidated Balance.
Explore a governed approach to pooled cash visibility, fund accountability, bank reconciliation, interperiod reporting and liquidity planning across the public sector.
Cash Insights LGX™ is a patent-pending platform under development. Demonstrations use synthetic financial data. Cash pooling analytics, fund restrictions, reconciliation, interperiod reporting, forecasting and integration capabilities are subject to development and implementation scope. Actual public-sector cash pooling and interfund transactions remain subject to applicable laws, fund restrictions, treasury policies, bank agreements and authorized approvals. No public agency deployment or independently verified efficiency result is implied.