How Financial Data Should Stay Private
This is a demonstration of how an AI-native treasury system can use AI to speed up the work while keeping financial data protected, encrypted, and out of AI training by design.
No AI Training
By design, data is not used to train or improve AI models — the enterprise AI APIs this system is built on exclude API data from training.
EU Data Residency
Data is stored in European Union data centers, on GDPR-aligned infrastructure.
Data Sanitization
Before any AI processing, sensitive data (IBANs, emails, names) is automatically removed.
See Sanitization in Real-Time
Every time AI processes your data, you can see exactly what was sent — with all sensitive information already removed.
Payment from SC ACME SRL
IBAN: RO49RZBR0000060016712345
Contact: maria.popescu@acme.ro
Phone: +40 721 234 567
Amount: EUR 15,420.00
Payment from [COUNTERPARTY]
IBAN: [IBAN]
Contact: [EMAIL]
Phone: [PHONE]
Amount: EUR 15,420.00
You see this every time. Expand any AI interaction to view the exact data that was processed.
How AI Processing Works
When you use AI features like forecasting or reconciliation, here's exactly what happens to your data.
Your Request
"Generate forecast"
Sanitization
PII removed
AI Processing
Aggregates only
Sanitization step: All IBANs, account numbers, email addresses, phone numbers, and personal names are automatically detected and replaced with placeholders before data leaves your EU-hosted database.
What AI Sees vs. What AI Never Sees
Complete transparency about data transmission
What AI Receives
Aggregated balances
Daily totals, not individual transactions
Statistical patterns
Trends, averages, standard deviations
Bank names (public info)
e.g., "ING Bank", "BRD"
Currency codes
EUR, USD, GBP, RON
Sanitized descriptions
"Payment to [COUNTERPARTY] ref [IBAN]"
What AI Never Receives
IBANs
Replaced with [IBAN] placeholder
Account numbers
Replaced with [ACCT] placeholder
Email addresses
Replaced with [EMAIL] placeholder
Phone numbers
Replaced with [PHONE] placeholder
Personal names
Replaced with [COUNTERPARTY] placeholder
Your login credentials
Never transmitted anywhere
AI Features: Data Details
What each AI-powered feature processes
| Feature | Data Sent to AI | Status |
|---|---|---|
| Cash Flow Forecasting | Aggregated daily balances, statistical patterns (mean, trends) | Safe |
| Transaction Classification | Sanitized descriptions, amounts, references (PII removed) | Sanitized |
| Reconciliation | Sanitized transaction data, amounts, dates | Sanitized |
| FX Exposure Analysis | Aggregated currency exposures, hedge ratios | Safe |
| TOSY Chat Assistant | Your messages + sanitized tool results only | Sanitized |
| App Builder | Your prompts and instructions only — no financial data | Safe |
Full Audit Trail
Every AI interaction is logged and available in your account. See exactly what was processed, when, and verify the sanitization yourself.
- Timestamp of every AI call
- Feature used for each request
- Expandable view of sanitized input
- Exportable to CSV for compliance
Infrastructure Security
The standards this system is built on
Encryption in transit
Encryption at rest
Certified providers
Two-factor auth
No-Training by Design
The design relies on enterprise-grade AI services whose terms exclude API data from model training — the same posture a production deployment would build on.
- API data excluded from model training under enterprise AI terms
- Cross-border transfers designed around Standard Contractual Clauses (SCCs)
- Data Processing Agreement (DPA) as the intended framework
Security, designed in from day one
This is how we think financial data should be handled by an AI-native treasury system. Want to see it in action or dig into the details? Reach out.
Questions? Email us at contact@treasuryease.com