Treasury automation for NetSuite. Reconcile, forecast and understand your cash

Zone's treasury solution combines ZoneReconcile, ZoneLiquidity and the Zoe Cash Intelligence Agent, all working natively inside NetSuite. ZoneReconcile automates bank, credit card and payment service provider reconciliation, closing the gap between what your bank shows and what NetSuite records. ZoneLiquidity builds on that reconciled data to forecast cash and test what-if scenarios, so finance teams can see what’s coming instead of just what happened.

The Zoe Cash Intelligence Agent, included with ZoneReconcile, lets your team ask plain-English questions about cash position, auto-match rates and payment differences, grounded in your NetSuite data. Together, the three cover reconciliation, cash forecasting and on-demand answers in one connected system, not three separate tools finance has to stitch together.

ZoneLiquidity's cash flow forecast draws on your reconciled cash position, a year of cash history, and open accounts receivable (AR), accounts payable (AP), orders and journals from NetSuite. AI predicts when each open invoice and bill is likely to be paid, so the forecast reflects when cash will actually move. Because it runs on your NetSuite data rather than a static export, a delayed receipt or a changed due date shows up on the next refresh instead of waiting on someone to rebuild a spreadsheet.

The Zoe Scenario Planning Agent works on that forecast, letting a finance team test what-if changes, such as a delayed payment or a renegotiated vendor term, before they happen. For multi-subsidiary businesses, you choose the subsidiaries to include and get one combined view and liquidity floor in the parent currency, instead of a spreadsheet per entity.

The Zoe Cash Intelligence Agent lets your team ask plain-English questions about cash position, auto-match rates and payment differences, all grounded in your live NetSuite data. Instead of pulling a report or waiting on someone else to interpret a reconciliation exception, a controller or treasury manager can ask directly and get an answer sourced from the same records NetSuite already holds.

The agent is included with ZoneReconcile, so there's no separate purchase or setup step to access it. It reads from reconciled transactions rather than a static snapshot, which keeps the answers aligned with what NetSuite currently shows instead of a report that goes stale the moment something posts.

ZoneReconcile connects to more than 12,000 banks worldwide, including institutions across the US, Canada, UK, EU and Australia, through secure API connections. NetSuite teams running multiple entities or banking relationships don’t have to worry about a reconciliation tool that only covers a handful of major banks and forces someone to manage the rest by hand.

For any institution without a direct API connection, ZoneReconcile falls back to secure file transfer protocol (SFTP), so coverage doesn't stop at the edge of the API network. The goal is the same either way – automated matching against NetSuite, regardless of which bank or payment rail a transaction moves through.

ZoneLiquidity's Scenario Planning Agent and the Zoe Cash Intelligence Agent answer different questions, even though both sit inside Zone's Zoe by Zone layer. The Cash Intelligence Agent, included with ZoneReconcile, looks backward – it answers what already happened in your reconciliation, such as auto-match rate, current cash position or why a payment doesn't match. It works off reconciled, historical NetSuite data.

The Scenario Planning Agent, part of ZoneLiquidity, looks forward instead. It models what-if changes to your cash forecast before they happen, such as a delayed customer payment or a renegotiated vendor term, so a treasury team can test a decision against live data before committing to it. Used together, one agent explains the past and the other tests the future.