Daily Cash Position Tracker: One Morning Snapshot Across Every Bank Account
Pull every bank account's balance into a single daily cash position, total it by account and currency, explain the day-over-day change, flag unusual moves, and email a morning snapshot — after the treasury analyst reviews and approves it.
A logged-in tool where you import each morning's bank balances (CSV or typed in), the agent consolidates them into one daily cash position by account and currency, computes the day-over-day change, flags unusually large or unexpected moves, the treasury analyst reviews and approves the day's position, it emails a morning snapshot via Resend, and you export the full position history.
Before you start
- A Supabase account (free)
- A Vercel account (free)
- A Resend account (free)
- Your list of bank accounts and a way to get each day's balance (a CSV export, or just the number from each bank portal)
- Your base reporting currency (and an FX rate source if you hold other currencies)
- Claude Code or any AI coding agent
The problem this kills
Every morning someone on your team logs into four, six, ten bank portals, copies the balance off each screen, pastes it into a spreadsheet, sums it up, eyeballs whether anything looks off, and types up a "here's where cash sits" email. It takes the first 45 minutes of the day, it's the most error-prone moment in treasury, and it happens before that person has had coffee.
The spreadsheet behind it is fragile. The currency conversion is a stale rate someone keyed in last week. The day-over-day change is computed against a number nobody can find anymore. A wire that doubled overnight gets emailed out as fact because no one had time to question it. And when the person who runs the routine is out, cash visibility goes dark for everyone above them.
Your daily cash position is the number the CFO, the treasurer, and the owner trust to make payment decisions before noon. It deserves to be a real, governed tool — not a copy-paste ritual held together by one person's morning discipline.
What you'll build
A simple internal web app for your treasury and finance team. Each morning you import the day's balances — upload a CSV from each bank, or just type the number in for the accounts you read off a portal. The tool matches every balance to the right account, converts any non-USD accounts into your base currency at the day's rate, and consolidates everything into one daily cash position, broken out by account, account type, and currency.
It then computes the day-over-day change against yesterday's approved position and tells the story: which accounts moved, by how much, and which moves crossed your "that's unusually large" threshold. The treasury analyst reviews the position, confirms the flagged movements and that no account is stale or missing, and approves the day. Only then does the tool email the morning snapshot to your recipients. Every approved day is stored, so you can trend cash over time and export the full position history whenever finance, an auditor, or the board asks.
What's inside the Implementation Plan
The downloadable plan is a step-by-step file you paste into an AI coding agent. It opens by interviewing you about your business — how you collect balances today, which banks and account types you run, the exact shape of your bank CSVs, your currencies and FX source, what counts as an "unusually large" move, and the edge cases that have burned your morning routine (a bank file that didn't arrive, a typo balance, a mid-month new account). It reflects a short tailored spec back to you and waits for your thumbs-up before it builds anything, so the tool matches how your cash actually lands — not a generic template.
From there it walks the agent through the data model, your account master, the daily import with duplicate guards, the consolidation and FX conversion, the day-over-day change engine, the large-movement flagging, the analyst approval gate, the morning email, and the trend view plus CSV export. Every step ends with a ready-to-copy prompt. There's a full "No API yet?" path that uses CSV imports or manual entry as the data source and produces a clean CSV export — so you can build and run the whole thing this afternoon, with no bank integration of any kind.
The governance it includes (this is the point)
This is a treasury tool, so the controls aren't optional. The plan builds in login so only your finance team can use it, row-level security so you only ever see your own organization's accounts, a complete audit trail of who imported, edited, and approved each day, a hard human-approval gate so no snapshot is emailed until the analyst confirms the balances and the flagged moves, and duplicate guards (keyed on account + date) so the same morning can't be imported and counted twice.
Who it's for
Treasury analysts, cash managers, controllers, and finance-owning founders — anyone who compiles a daily cash position by hand each morning and wants it to be fast, trustworthy, and not dependent on one person's memory of which tab holds yesterday's total. If you can describe your bank accounts and where you read their balances, you can build this.
You've got this — start with the plan, paste the first prompt, and answer the interview. You'll have tomorrow morning's cash position on screen by this afternoon.