Index › Finance › Treasury and cash › Treasury management syst › Small business · November 2026 Edition
Treasury management systems for small business buyers
Asked as “treasury management system”, and as “TMS”, on behalf of a small B2B company. 60 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
20%
Contested · Mercury 10%
20Agicap10Mercury07Trovata63others
20% of first choices, contested.
Since October 2026▲+1Since October 2026: 19% → 20%, +1 point. Inside the 10-point floor: within noise.Agicap held the lead, +1 point on 19%, inside the 10-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Agicap20%Contested▲+1Since October 2026: 19% → 20%, +1 point. Inside the 10-point floor: within noise.This pageMid-market
Trovata23%Contested▼−5Since October 2026: 28% → 23%, −5 points. Inside the 10-point floor: within noise.Standing →Enterprise
Kyriba43%Clear leader▲+8Since October 2026: 35% → 43%, +8 points. Inside the 10-point floor: within noise.Standing →
Agicap20%Contested▲+1Since October 2026: 19% → 20%, +1 point. Inside the 10-point floor: within noise.This pageMid-marketTrovata23%Contested▼−5Since October 2026: 28% → 23%, −5 points. Inside the 10-point floor: within noise.Standing →EnterpriseKyriba43%Clear leader▲+8Since October 2026: 35% → 43%, +8 points. Inside the 10-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Agicap20%2%47accepted challenger▲+1Since October 2026: 19% → 20%, +1 point. Inside the 10-point floor: within noise.19% → 20%
Agicap20%2%47accepted challenger▲+1Since October 2026: 19% → 20%, +1 point. Inside the 10-point floor: within noise.19% → 20%02
Mercury10%4%24accepted challenger▲+8Since October 2026: 2% → 10%, +8 points. Inside the 10-point floor: within noise.2% → 10%
Mercury10%4%24accepted challenger▲+8Since October 2026: 2% → 10%, +8 points. Inside the 10-point floor: within noise.2% → 10%03Trovata7%18%34accepted challenger▼−2Since October 2026: 9% → 7%, −2 points. Inside the 10-point floor: within noise.9% → 7%
Trovata7%18%34accepted challenger▼−2Since October 2026: 9% → 7%, −2 points. Inside the 10-point floor: within noise.9% → 7%04
TreasuryView3%0%19accepted challenger▼−2Since October 2026: 5% → 3%, −2 points. Inside the 10-point floor: within noise.5% → 3%
TreasuryView3%0%19accepted challenger▼−2Since October 2026: 5% → 3%, −2 points. Inside the 10-point floor: within noise.5% → 3%05
Rho Treasury2%9%23accepted challenger▼−9Since October 2026: 11% → 2%, −9 points. Inside the 10-point floor: within noise.11% → 2%
Rho Treasury2%9%23accepted challenger▼−9Since October 2026: 11% → 2%, −9 points. Inside the 10-point floor: within noise.11% → 2%06
Embat2%0%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Embat2%0%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%08
Atlar2%18%17accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Atlar2%18%17accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%09
Modern Treasury2%0%11accepted challenger▼−1Since October 2026: 3% → 2%, −1 point. Inside the 10-point floor: within noise.3% → 2%
Modern Treasury2%0%11accepted challenger▼−1Since October 2026: 3% → 2%, −1 point. Inside the 10-point floor: within noise.3% → 2%10
Round Treasury2%17%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Round Treasury2%17%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the four products at 0%, ordered by negative rate
13
SAP Treasury and Risk Management0%97%29criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
SAP Treasury and Risk Management0%97%29criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%12
GTreasury0%90%21criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
GTreasury0%90%21criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%14Kyriba0%83%47criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Kyriba0%83%47criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%11
ION Treasury0%82%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
ION Treasury0%82%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All ten head-to-head pages: the top five products, each against each
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
010203040506A07
08091011121314Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Agicap20%
Agicap20%02Mercury10%
Mercury10%03Trovata7%
Trovata7%04TreasuryView3%
TreasuryView3%05Rho Treasury2%
Rho Treasury2%06Embat2%
Embat2%07ACH Universal2%
08Atlar2%
Atlar2%09Modern Treasury2%
Modern Treasury2%10Round Treasury2%
Round Treasury2%11ION Treasury0%
ION Treasury0%12GTreasury0%
GTreasury0%13SAP Treasury and Risk Management0%
SAP Treasury and Risk Management0%14Kyriba0%
Kyriba0%What they warned about
One of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Kyriba83%
39 of 47 labels negative · 12 of 14 models · 13 hard negative
“Kyriba stands out as particularly problematic for small businesses... 92% negative feedback specifically regarding small business suitability.” MiniMax M2.5, negative prompt
SAP Treasury and Risk Management97%
28 of 29 labels negative · 12 of 14 models · 11 hard negative
“SAP Treasury and Risk Management is consistently described as best for SAP-native finance teams and enterprise process control.” Muse Glimmer 30B, negative prompt
GTreasury90%
19 of 21 labels negative · 8 of 14 models · 9 hard negative
“GTreasury / Ripple Treasury, Coupa Treasury, ION Group, Nomentia are similarly marketed for mid-sized and large enterprises” Muse Glimmer 30B, negative prompt
ION Treasury82%
9 of 11 labels negative · 5 of 14 models · 5 hard negative
“fall into the same category as Kyriba—enterprise-grade platforms that create problems for smaller organizations” MiniMax M2.5, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
77 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 848 links across 190 sites, every framing counted. Ranked by the number of answers carrying the site or page. 19 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · G252 answers · 90 citations · 14 models
33 answers · 47 citations · 10 models
22 answers · 22 citations · 10 models
vendor site · GetApp21 answers · 30 citations · 10 models
vendor site · Rho21 answers · 28 citations · 10 models
vendor site · TreasuryView19 answers · 21 citations · 10 models
vendor site · Capterra18 answers · 21 citations · 11 models
vendor site · Agicap15 answers · 24 citations · 9 models
vendor site · Stripe15 answers · 20 citations · 10 models
14 answers · 14 citations · 11 models
vendor site · JPMorgan13 answers · 15 citations · 10 models
vendor site · Trovata12 answers · 17 citations · 6 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
44 answers · 13 models
24 answers · 9 models
22 answers · 10 models
21 answers · 10 models
13 answers · 8 models
13 answers · 10 models
13 answers · 6 models
12 answers · 6 models
11 answers · 7 models
11 answers · 8 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best treasury management system”, “treasury management system”, “treasury management systems”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days |
|---|---|---|---|---|---|---|---|
| Agicap agicap.com | 20% | 123 | 590 | 5 | 31,998 | 22 | |
| Mercury mercury.com | 10% | 182 | 368,000 | 130,988 | 301,244 | $284,811 | 25 |
| Trovata trovata.io | 7% | 124 | 2,900 | 89 | 1,685 | 6 | |
| Freightview freightview.com | 5% | 7 | 2,400 | 24 | 1,241 | 7 | |
| Fygr | 5% | ||||||
| AscendTMS ascend.partners | 5% | 6 | |||||
| Centime centime.com | 5% | 43 | 1,300 | 197 | 1,695 | ||
| TreasuryView treasuryview.com | 3% | 28 | 20 | 0 | 2,270 | ||
| Shipwell shipwell.com | 3% | 13 | |||||
| MyCarrierTMS | 3% |
Google's top ten for the three searches hold 20 sites; 1 of them are among the sites the models cited here (jpmorgan.com). The first result for “best treasury management system” is linkedin.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best treasury management system for a small B2B company?”Paraphrase“Which TMS would you recommend to a small business that sells to other businesses?”Comparative“What are the top treasury management systems for a small team and how do they differ?”Budget-constrained“What is the best treasury management system for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a treasury management system. What should we look at?”Negative“Which treasury management systems should a small business avoid or be cautious about?”
Claude Haiku 4.5TreasuryViewagainst: Cobase, HighRadius Treasury Management, Kyriba, Nomentiano first choiceChangedRho Treasuryagainst: GTreasury, Kyriba, SAP Treasury and Risk ManagementAgicap, Fygr, Pennylaneno first choiceagainst: HighRadius Treasury Management, Kyriba, Nomentia
Three alternatives
Agicap, Mercury + Treasury, Round TreasuryFour alternatives
Agicap, Atlar, Nomentia, TreasuryViewOne alternative
Rho TreasuryGPT-5.4 miniAgicapagainst: KyribaShipwellChangedagainst: E2open, Manhattan, Oracle Transportation Management, SAP TMSKyribaRound Treasuryagainst: Coupa Treasury, Kyribano first choiceagainst: Atlar, Kyriba, Round Treasury, SAP Treasury and Risk Management, TIS
One alternative
AtlarTwo alternatives
Kuebix, Uber Freight TMSThree alternatives
Coupa Treasury, ION Treasury, RevalTwo alternatives
Agicap, AtlarGemini 3.5 FlashCentimeagainst: FIS Quantum, GTreasuryFreightviewChangedTrovataagainst: FIS Quantum, ION Treasury, KyribaCentimeagainst: ION Treasury, Kyriba, Ripple TreasuryAgicap, Centime, Trovataagainst: FIS Quantum, GTreasury, Kyriba, Nomentia, Plaidagainst: FIS, GTreasury, ION Treasury, Kyriba, SAP Treasury and Risk Management
Four alternatives
Agicap, Embat, Kyriba, TrovataThree alternatives
AscendTMS, FreightPOP, ShipwellFive alternatives
Agicap, Centime, Cobase, Kyriba, NomentiaFive alternatives
Agicap, Fathom, Float, TreasuryFlow, TrovataFour alternatives
Arc, Brex Treasury, Mercury + Treasury, Rho TreasuryPerplexity SonarAgicapagainst: Coupa Treasury, GTreasury, Kyriba, SAP Treasury and Risk ManagementMyCarrierTMSChangedagainst: Blue Yonder, ManhattanAgicapagainst: GTreasury, Kyriba, Oracle Treasury, SAP Treasury and Risk ManagementFygragainst: Coupa Treasury, Kyriba, SAP Treasury and Risk Managementno first choiceagainst: Bloomberg TOMS, FIS Quantum, ION Treasury, Kyriba, SAP Treasury and Risk Management
Three alternatives
Rho Treasury, Tesorio, TrovataFour alternatives
Cargoson, CartonCloud, Freightview, KuebixFive alternatives
Brex, Mercury, Nomentia, Rho Treasury, TrovataFour alternatives
Agicap, Mercury, Rho Treasury, TreasuryViewGrok 4.20Agicapagainst: FIS, Kyriba, Mercury, SAP Treasury and Risk ManagementAscendTMSChangedagainst: Blue Yonder, Oracle Transportation Management, SAP TMMercury, Rho Treasuryagainst: GTreasury, Kyriba, SAP Treasury and Risk ManagementMercuryagainst: GTreasury, Kyriba, SAP Treasury and Risk Management, Trovatano first choiceagainst: FIS, Oracle Treasury, SAP Treasury and Risk Managementagainst: GTreasury, Kyriba, Oracle Treasury, Reval, SAP Treasury and Risk Management, Wall Street Systems
Two alternatives
Rho Treasury, TrovataFour alternatives
FreightPOP, Rose Rocket, Transvirtual, TruckbaseThree alternatives
Agicap, Modern Treasury, TrovataFour alternatives
Agicap, Fygr, QuickBooks Online, Rho TreasuryMistral SmallAgicap, Modern TreasuryStream, TruckbaseChangedAgicap, Embat, Round Treasuryagainst: Kyriba, TrovataTreasuryViewno first choiceagainst: Citi's Treasury and Trade Solutions, J.P. Morgan's Liinknothing named
Two alternatives
Concourse, TreasuryViewThree alternatives
Freightview, Kuebix, ShipwellTwo alternatives
ACH Universal, Modern TreasuryDeepSeek V4 FlashAgicapagainst: GTreasury, ION Treasury, Kyriba, SAP Treasury and Risk ManagementMyCarrierTMSChangedagainst: ShipStation, ShippingEasy, ShippoAgicap, Trovataagainst: GTreasury, Kyriba, SAP Treasury and Risk ManagementMercuryagainst: GTreasury, Kyriba, SAP Treasury and Risk Management, TrovataAtlar, Phacet, Trovataagainst: FIS, GTreasury, ION Treasury, Kyribaagainst: Coupa Treasury, FIS Integrity, Fusion Treasury, GTreasury, HighRadius Treasury Management, ION Treasury, Kyriba, SAP Treasury and Risk Management
Four alternatives
ACH Universal, Mercury, Modern Treasury, TrovataThree alternatives
Freightview, Kuebix, Warp TMSOne alternative
EmbatTwo alternatives
Agicap, Rho TreasuryLlama 4 Maverickno first choiceagainst: Rho Treasuryno first choiceHeldno first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashBill.com, TreasurlyFreightviewChangedTreasuryView, Vestoagainst: Kyriba, Picante, SAP Treasury and Risk ManagementConcourseBlackLine, HighRadius Treasury Managementagainst: Kyriba, SAP Treasury and Risk Managementagainst: Kyriba, Oracle Financials Cloud, SAP Treasury and Risk Management
Three alternatives
Agicap, Float, TipaltiFour alternatives
Descartes Aljex, Rose Rocket, TenTrucks, TransvirtualFive alternatives
ACH Universal, Arc, Mercury, Rho Treasury, TrovataThree alternatives
Agicap, Rho Treasury, TrovataFour alternatives
KashFlow, NetSuite Treasury, Planful, XeroKimi K2AgicapAscendTMSChangedAgicap, Trovataagainst: Kyriba, SAP Treasury and Risk ManagementMercury, Pulseagainst: GTreasury, Kyriba, SAP Treasury and Risk Management, TrovataAgicap, Embat, Nilus, Trovataagainst: Kyriba, SAP Treasury and Risk Managementagainst: Atlar, Kyriba, Round Treasury
Four alternatives
Mercury, Modern Treasury, TreasuryView, TrovataThree alternatives
Rose Rocket, Transvirtual, Warp TMSFour alternatives
Embat, Mercury + Treasury, Ramp, Rho TreasuryTwo alternatives
Agicap, FloatGLM 4.7 FlashXAgicapFreightviewChangedAtlarACH Universalno first choiceagainst: Agicap, Rho Treasury, SAP Treasury and Risk Management
Four alternatives
Mercury, Rho Treasury, TreasuryView, TrovataFive alternatives
ITS Dispatch, Kuebix TMS, Rose Rocket, Shipwell, TruckbaseThree alternatives
Agicap, Round Treasury, TrovataThree alternatives
Agicap, Mercury, TreasuryViewMiniMax M2.5Agicap, Fygr, MercuryDescartes AljexChangedMercuryMercuryagainst: Kyriba, SAP Treasury and Risk Managementno first choiceagainst: FIS Integrity, ION Treasury, Kyriba, SAP Treasury and Risk Management
Two alternatives
Modern Treasury, TreasuryViewThree alternatives
AscendTMS, MyCarrierTMS, Toro TMSSix alternatives
ACH Universal, Abby, Agicap, Concourse, TreasuryView, TrovataTwo alternatives
Okimia, TreasuryViewGPT-6 LunaAgicapagainst: KyribaMyCarrierChangedAgicapagainst: GTreasury, KyribaPulseagainst: Trovatano first choiceagainst: FIS, ION's Wallstreet Suite or Openlink, Kyriba, SAP Treasury and Risk Management, Trovata
Two alternatives
Atlar, TrovataOne alternative
FreightviewTwo alternatives
Atlar, Trovata CashMuse Glimmer 30BTrovataAscendTMS, ShipwellChangedAgicap, Round Treasuryagainst: GTreasury, KyribaMercury, Rho Treasuryagainst: GTreasury, Kyriba, SAP Treasury and Risk Management, TreasuryXpressno first choiceagainst: Atlar, Coupa Treasury, GTreasury, ION Treasury, Kyriba, Nomentia, Oracle Cash Management, SAP S/4HANA Cash Management, SAP Treasury and Risk Management
Five alternatives
Agicap, Mercury, Ramp, Rho Treasury, TreasuryViewTwo alternatives
MyCarrierTMS, Rose RocketTwo alternatives
TreasuryView, TrovataThree alternatives
ACH Universal, Agicap, TreasuryViewBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:13 | yes | 13 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:10 | yes | 2 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:02 | yes | 10 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 08:55 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 17 | 37 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:36 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:04 | yes | 23 | 34 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:37 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:35 | no | 0 | 30 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:30 | yes | 16 | 67 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:08 | yes | 9 | 19 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:15 | yes | 8 | 33 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:45 | yes | 4 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:20 | yes | 11 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:43 | no | 0 | 3 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:07 | yes | 2 | 7 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:56 | yes | 6 | 19 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:50 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:07 | yes | 5 | 26 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:39 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:49 | yes | 21 | 28 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:20 | yes | 5 | 4 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:56 | yes | 5 | 24 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:33 | yes | 19 | 35 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:09 | yes | 10 | 25 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:09 | yes | 5 | 23 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:19 | yes | 2 | 10 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:33 | yes | 14 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:10 | yes | 14 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:58 | yes | 4 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:50 | yes | 13 | 18 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:38 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 5 | 33 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:45 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:20 | yes | 20 | 34 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:15 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:42 | yes | 12 | 32 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:02 | yes | 13 | 62 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:43 | yes | 25 | 41 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:09 | yes | 8 | 32 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:12 | yes | 5 | 19 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:41 | yes | 23 | 34 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:39 | yes | 17 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:28 | yes | 2 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:29 | yes | 18 | 22 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:48 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 8 | 35 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:47 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:05 | yes | 24 | 24 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:40 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:39 | yes | 23 | 122 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:20 | yes | 24 | 45 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:19 | yes | 13 | 52 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:06 | yes | 9 | 21 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:39 | yes | 2 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:11 | yes | 13 | 18 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:22 | no | 0 | 5 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:42 | no | 0 | 5 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:45 | no | 0 | 17 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 09:19 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 5 | 34 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:32 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:47 | yes | 22 | 37 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:15 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:04 | no | 0 | 32 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:11 | yes | 13 | 17 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:49 | yes | 12 | 71 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:06 | yes | 10 | 52 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:04 | yes | 2 | 14 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:25 | yes | 12 | 23 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:45 | yes | 17 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:22 | yes | 3 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:49 | yes | 11 | 23 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:57 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 14 | 35 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:39 | yes | 10 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:14 | yes | 23 | 27 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:51 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:18 | yes | 15 | 51 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:44 | yes | 24 | 52 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:43 | yes | 16 | 142 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:06 | yes | 15 | 47 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:32 | yes | 3 | 15 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:43 | yes | 14 | 18 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Coupa read as Coupa Treasury
HighRadius read as HighRadius Treasury Management
HighRadius (B2B Cloud Collection) read as HighRadius Treasury Management
HighRadius Treasury read as HighRadius Treasury Management
ION read as ION Treasury
ION Group read as ION Treasury
ION Wallstreet Suite read as ION Treasury
NetSuite read as NetSuite Treasury
Oracle read as Oracle Treasury
Oracle Treasury Management read as Oracle Treasury
QuickBooks read as QuickBooks Online
QuickBooks Enterprise read as QuickBooks Online
Rho read as Rho Treasury
Ripple (GTreasury) read as Ripple Treasury
Round read as Round Treasury
SAP read as SAP Treasury and Risk Management
SAP Treasury read as SAP Treasury and Risk Management
Unresolved, counted raw
3G TMS/Pacejet
Abby
Bloomberg TOMS
CartonCloud
Citi's Treasury and Trade Solutions
Fusion Treasury
ION's Wallstreet Suite or Openlink
ITS Dispatch
J.P. Morgan's Liink
Motive
Okimia
Pando
ShipBob
ShipperGuide by Loadsmart
ShippingEasy
Stream
TenTrucks
Toro TMS
Treasurly
Treasury Software
Trimble
Trovata Cash
Wall Street Systems (FIS)
Yodlee
Discontinued, still offered
No shut-down product was recommended here.