Finance workflow workspace
Finance workflows, made clear.
Build repeatable reconciliations, risk checks and daily briefings in a visual workspace your team can inspect, with a person in the loop before anything is released.
No sign-in needed · every run uses labelled sample data.
Want early access? Join the waitlistSimulated preview · Sample data
Why this exists
Heavy investment, hard-to-show value.
Financial firms are investing heavily in AI, yet many struggle to connect that activity to measurable value. Payo works on the operational layer where value is created: visible steps, sample-backed checks, and a human review before anything is released.
USD 76bnUSD 132bn
Estimated AI-related investment by global financial institutions in 2025, forecast to reach USD 132bn by 2030.
71%
of surveyed traditional financial institutions said they found it difficult to understand, capture and justify AI value (n = 101).
Source: Quinlan & Associates, From Pie in the Sky to ROI (July 2026), pp. 2 and 9.Read the report
What Payo helps teams do
The repeatable work of a finance team, made visible.
Reconcile NAV data and investigate exceptions.
Compare administrator and internal valuations fund by fund, and route material differences to a person before anything is signed off.
Review position risk against limits.
Check exposures and concentration against the limits that apply, and see exactly which positions need a second look.
Turn the day's market moves into a checked briefing.
Match the morning's moves to your holdings, draft a concise brief, and have an editor approve it before it goes out.
Built for three roles
One workflow language, three working lives.
Payo serves finance professionals and small businesses without making either feel like they joined the wrong product. Select a role to see the same pattern in its own words.
Check positions against limits before the meeting.
- Goal
- See which positions use their limit and prepare the note a reviewer needs.
- What slows them down
- Assembling exposures, limits and prior notes across separate spreadsheets.
- What Payo helps prepare
- A reviewed risk summary with flagged positions, notes and sample sources.
| Position | Weight | Limit | Status |
|---|---|---|---|
| Ashbourne Global Equity | 20.1% | 18% | Over limit |
| US Treasury 10Y | 17.1% | 25% | Within limit |
| Delmore Credit Fund | 14.5% | 12% | Over limit |
| Brookfield Income Fund | 9.1% | 15% | Within limit |
| Calverton Emerging Markets | 8.5% | 12% | Within limit |
Review threshold 90% of limit · source: sample positions file
Planned connections
The sources behind every step.
Payo is designed to read the files and feeds finance teams already use. Everything below is a planned connection for future releases. Nothing here is connected in this prototype.
Custodian & fund administration
Planned, not connectedWould pull administrator valuations and holdings files into the load and map steps, so reconciliations start from the file your administrator already issues.
Illustrative method: Session-based portal access. No external service is called in this prototype.
Sources
HSBC- UUBS
Julius Baer
LGT
Would feed
- Load data
- Map fields
No live connections are configured. This prototype uses sample inputs.
See it work
Every run shows its steps.
Choose a workflow and watch the sample run: each step completes in order, material findings pause the run for a person, and nothing is finalised until someone decides.
NAV reconciliation
Compare administrator and internal valuations, flag tolerance breaches, and prepare the summary for a reviewer.
This runs the selected workflow on labelled sample data.
Test before publishing
Runs on sample data before anything is marked ready.
Demo ready. Press run to start the sample workflow.
1. Start from a template. Input, calculation, check, review and output arrive as an ordered workflow.
2. Watch every step. The timeline moves from queued to complete, with the key setting shown beside it.
3. Test, then publish. A sample test shows the outcome before a workflow is marked ready.
Template library
Start from a template, not a blank canvas.
Operations
NAV reconciliation
Compare administrator NAV with internal NAV and route material differences for review.
Key sources: Administrator NAV file · Internal valuation file
Risk
Position risk review
Identify positions that exceed an exposure or concentration threshold.
Key sources: Positions file · Limit policy
Research
Daily market movements
Produce a concise morning brief from market moves and holdings context.
Key sources: Market snapshot · Holdings file
Control by design
Nothing leaves without a review.
Every workflow has visible steps
Load, calculate, check, review, report. All visible before and during every run.
Review before release
Material items pause for a person. Nothing is finalised until someone approves it.
Source before output
Results carry their sample source and threshold, so each figure can be traced.
About licensed firms
Some Hong Kong financial firms need a licence from the Securities and Futures Commission (SFC) to carry out particular regulated activities. For example, Type 9 covers asset management. Payo is designed for the operational work used by finance teams, including teams at licensed firms. Payo is not an SFC-licensed firm and this prototype does not provide compliance determinations.
How SFC licensing worksGeneral information only. This prototype is a design demonstration and does not provide legal or regulatory advice.
Early access
Join the waitlist.
Payo is in early development. Join the waitlist and we will share early access and launch updates as the product takes shape.
- Early access before general release
- Occasional launch updates, nothing else
- The demo workspace stays open to explore in the meantime