The future of treasury is predictive, not reactive

Introducing Smart Treasury on Layer1.

By
Donald Jackson
August 7, 2025
3
min read

Following the launch of our AI assistant, we’re excited to introduce the next chapter in BVNK’s AI product roadmap: Smart Treasury.

This new feature is available for customers of Layer1, BVNK’s self-managed infrastructure solution. It also powers BVNK’s own treasury operations, bringing efficiency benefits for customers using our managed payments service.

Why Smart Treasury?

Traditionally, treasury management has relied on static thresholds and human oversight. That means pre-funding accounts “just in case,” keeping ops teams on-call over the weekend, and tying up capital to protect against disruption. 

It’s inefficient, error-prone and out of sync with how modern finance moves.

Machine learning changes that.

Instead of reacting to low balances, our Smart Treasury system predicts liquidity needs. It learns from historical transaction patterns, time-based trends, and market activity to forecast requirements and take action automatically. 

Whether it’s rebalancing a gas wallet, topping up a trading venue, managing withdrawal flows or moving stablecoins across networks as needed, it happens in real-time, without manual intervention.

This isn’t just smarter rule logic. It’s machine learning powering 24/7, autonomous treasury stablecoin payment operations, so you can move faster, and eliminate idle capital.

See how it works with this short demo from Product Manager Hannah Lynch:


Here’s why that matters now

  • The market never sleeps. Especially in the stablecoin era. Your treasury shouldn’t either.
  • Thin liquidity strategies demand precision and speed.
  • Operators shouldn’t have to babysit balances to keep things moving.


We’re building toward a world where financial infrastructure runs itself intelligently. If the AI Assistant helps users get things done then the AI-enabled treasury helps our clients make sure the system never drops the ball.

How treasury teams look in the AI age 

With the support of machine learning systems, treasury teams can evolve how they work.

In an AI-first world:

  • Human operators move upstream, setting strategy, policies, and guardrails, while autonomous agents take over execution. 
  • Treasury leads focus on capital allocation and risk frameworks. 
  • Finance engineers build the systems. 
  • AI agents handle everything from real-time liquidity rebalancing to gas wallet refills, FX optimization, and venue top-ups. 

It’s a leaner, faster, more intelligent operating model, designed for 24/7 stablecoin-enabled global finance. The role of treasury then is no longer to do the work, but to design the systems that do it.

Modern treasury teams will be powered by machine learning systems

This is the start of something bigger: autonomous, AI-powered financial operations. Because in the future, the best-run treasuries won’t be reactive, they’ll be invisible.

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