Kyriba is a six-figure enterprise TMS with a 4–6 month implementation, a dedicated project team, and bank-by-bank API setup. TreasuryFlow gives mid-market CFOs the daily cash visibility job in one afternoon, for $99/mo per company.
| Feature | TreasuryFlow | Kyriba |
|---|---|---|
| Starting Price | $99/mo per company (unlimited team) | $50K+/yr (custom) |
| Implementation Time | Same day (under 1 hour to first forecast) | 4–6 months |
| IT Involvement Required | None, self-serve via Plaid | Dedicated project team |
| Bank Connectivity | Plaid (10,000+ financial institutions across the US and Canada) | Direct bank APIs + SWIFT |
| Real-Time Balances | Yes | Yes |
| 13-Week Forecasting | 13/26/52-week with confidence bands | Configurable forecast horizons |
| AI Categorization | Gemini AI (3-tier pipeline) | Rule-based primarily |
| AI Treasury Assistant | Natural-language chat | Kyriba IQ (recently launched) |
| Multi-Currency / FX | US-focused | 100+ currencies, FX hedging |
| Multi-Entity Reporting | Reporting Groups (up to 20) | Full intercompany + netting |
| Excel Native Add-in | Yes, live data in Excel | Export only |
| Google Sheets Add-on | Early access (ask us) | No |
| QuickBooks Integration | Bidirectional sync | No |
| Cash Health Score | 0–100 score, shareable link | No |
| Daily Digest Email | 7am ET auto-briefing | Alerts only |
| Free Trial | 90 days, no card | Sales cycle only |
| Target Market | Mid-market ($1M–$50M revenue) | Enterprise ($500M+ revenue) |
| In-House Bank / Treasury-as-a-Service | Not applicable | Yes |
| Setup Switching Cost | Zero, keep your banks, add TreasuryFlow | High, lift-and-shift project |
Kyriba features and pricing compared against public sources, Q2 2026. Vendors change pricing without notice; if anything here is out of date we will correct it. Report an inaccuracy.
Kyriba implementations span quarters of project plans, IT involvement, and bank-by-bank API negotiation. With TreasuryFlow you connect via Plaid in 2 minutes per bank, and the first 13-week forecast is generated within 5 minutes of signup.
Kyriba’s smallest configurations start around $50K/yr; mid-market deployments routinely land at $80K–$150K. TreasuryFlow is $99/mo per company vs Kyriba’s $50K+/yr.
Kyriba is engineered for global treasury teams running multi-currency hedging, in-house bank, and intercompany netting. If your job is “show me my cash position across 4 banks every morning,” 90% of Kyriba’s product is overhead you don’t need.
Kyriba exports to Excel. TreasuryFlow lives inside Excel as a native task pane add-in, and your forecast and bank data refresh in your existing workbooks without re-export.
Self-serve signup, 90-day free trial, no credit card required. See the actual product before you make a buying decision, not a slide deck from a SaaS AE.
Kyriba was built before QuickBooks Online dominated the mid-market. TreasuryFlow has bidirectional QBO sync (invoices, bills, journal entries, reconciliation) built in.
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