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ZenTreasury
Helsinki, Finland
What it is
ZenTreasury is a financial contract accounting platform for Office of the CFO finance and treasury teams. It converts leases, loans and foreign-exchange positions into schedules, journals, disclosures and an audit trail. Lease accounting covers IFRS 16 recognition, schedules, modifications, remeasurements, indexation and foreign-currency retranslation. The maker says US entities can use ASC 842 while international subsidiaries use IFRS 16; ASC 842 support is in early access under finance oversight. Other supported instruments include deposits, money-market instruments, commercial paper, bonds, FX contracts, guarantees and trade finance. Controls include approval workflows, role-based access, per-module permissions, second-approver checks and audit trails. Data can enter through files, scheduled imports, APIs, bank feeds and structured imports, with ERP integrations. Reports and access include Excel, PDF, Power BI, REST API and read-only MCP. ZenTreasury does not initiate payments or execute trades. EU hosting, separate customer databases and AES-256 backup encryption are specified. Support is offered in English and Finnish on Finnish weekdays.
For and against
For
- Supports IFRS 16 lease workflows
- Covers varied treasury instruments
- Role-based approvals and audit trail
- ERP, API and bank integrations
- EU production and backup storage
Against
- ASC 842 is early access
- Does not execute trades or payments
- Pricing is customer-specific
- Support excludes Finnish public holidays
The verdict
ZenTreasury combines contract accounting, treasury instruments, controls and integration options for finance teams. Early-access ASC 842 support and the lack of payment or trading execution should shape evaluation.
Who it suits
It is aimed at CFO-office finance teams, treasury groups, controllers, CFOs and auditors handling financial contracts. Organizations needing lease accounting, treasury controls and ERP or bank-data integrations may suit it.
Plans and prices
Premium
up to 100 financial contracts · 6 user seats · 1 admin seat · 10 reporting companies
Read 15 Oct 2026 · zentreasury.com
Premium Plus
up to 300 financial contracts · 10 user seats · 3 admin seats · 20 reporting companies
Read 15 Oct 2026 · zentreasury.com
Enterprise
300+ contracts · custom seats and entities · advanced integrations · enterprise SLAs
Read 15 Oct 2026 · zentreasury.com
ZenTreasury
Subscription scales with financial-contract portfolio size and activity · implementation scoped separately · customer-specific integration work scoped separately
Read 8 Oct 2026 · zentreasury.com
On the record
- Access controls
- The platform provides Microsoft Entra ID single sign-on, multi-factor authentication, per-module permissions, company scoping and four-eye approvals.zentreasury.com · read 15 Oct 2026
- Accounting exports
- Posting rules map contract events to chart-of-accounts entries that can be exported to an accounting or ERP system.zentreasury.com · read 15 Oct 2026
- Accounting standards
- The maker says US entities can use ASC 842 while international subsidiaries use IFRS 16; ASC 842 support is in early access under finance oversight.zentreasury.com · read 8 Oct 2026
- AI extensibility
- Administrators can enable a read-only, tenant-scoped MCP connection for clients such as Claude, ChatGPT and Cursor; requests are logged.zentreasury.com · read 15 Oct 2026
- API
- A paid REST API add-on uses OAuth2 and includes 2,000 calls per year across endpoints.zentreasury.com · read 15 Oct 2026
- Banking limitation
- ZenTreasury states that it does not initiate payments or execute trades.zentreasury.com · read 15 Oct 2026
- Cash forecasting
- Cash forecasts combine contract data from FX, loans, leases, guarantees and forecast items across short-term, weekly and long-term views.zentreasury.com · read 15 Oct 2026
- Company
- ZenTreasury Oy is a Finnish software company founded in Helsinki in 2016 and headquartered in Helsinki.zentreasury.com · read 8 Oct 2026
- Company headquarters
- The headquarters address is Itämerenkatu 3, 00180 Helsinki, Finland, with a regional office in Dubai DIFC.zentreasury.com · read 15 Oct 2026
- Company history
- ZenTreasury says it was founded in Helsinki in 2016 by Lars Nevalainen and remains founder-owned.zentreasury.com · read 15 Oct 2026
- Company legal name
- The Finnish contracting entity is ZenTreasury Oy, business ID 2762104-2; a Dubai entity named ZenTreasury Technologies Ltd also contracts with customers outside the EU/EEA.zentreasury.com · read 15 Oct 2026
- Company size
- LinkedIn lists ZenTreasury as privately held with 2–10 employees and headquarters in Helsinki.linkedin.com · read 15 Oct 2026
- Compliance evidence
- ZenTreasury publishes a CSA STAR Level 1 CAIQ self-assessment and says an international audit firm independently reviewed its IFRS 16 calculations.zentreasury.com · read 15 Oct 2026
- Controls
- Included controls include approval workflows, an audit trail and role-based access.zentreasury.com · read 8 Oct 2026
- Data portability
- EU and EEA customers can request structured exports such as CSV or Excel, with at least 30 days to retrieve data after termination.zentreasury.com · read 15 Oct 2026
- Encryption and backups
- Traffic uses TLS 1.2 or higher with HSTS, while customer databases receive nightly off-site backups encrypted with AES-256.zentreasury.com · read 15 Oct 2026
- Funding and ownership
- Crunchbase lists ZenTreasury as private and seed-stage, identifies Lars Nevalainen as founder and CEO, and names ZenTreasury Oy as the legal name.crunchbase.com · read 15 Oct 2026
- Identity and approvals
- The product supports Microsoft Entra ID single sign-on, multi-factor authentication, per-module permissions and second-approver checks for critical treasury transactions.zentreasury.com · read 8 Oct 2026
