Investimental (investimental.ro) is a next-generation online trading platform providing Romanian retail investors with seamless access to local and international markets, including US stocks. It stands out by offering an exceptionally fast and easy onboarding process, allowing users to start trading in as little as 30 minutes, complemented by a suite of cutting-edge features designed to enhance the investor experience. These innovations include Extended Trading (ET) for broader market access, simplified investment portfolios (PIES) for easy diversification, MultiCont for managing diverse investment strategies, and a competitive “cents per share” commission structure to optimise trading costs. Focused on delivering a secure and intuitive experience, Investimental positions itself at the forefront of the neo-broker movement.

As a company regulated by the Romanian Financial Supervisory Authority (ASF), Investimental aims to modernise capital markets access while educating a new generation of investors through its InvestiMentor program. But beyond user experience and trust, Investimental’s competitive edge lies in how fast users can start trading after funding their accounts — a process made possible by automated treasury operations and real-time cash visibility.

Background of trading industry operations

For a trading platform, a crucial part of their customer onboarding process involves recording incoming payments from customers who are topping up their trading accounts. Historically, manual payment verification causes significant delays in customer onboarding, leading to frustration and potential client abandonment.

At Investimental, from day 1, the team decided to avoid manual labour, requiring staff to check bank statements and match payments to customer accounts, a process known to be time-consuming and prone to errors. The company was looking for a solution to automate this process, improve efficiency, and enhance the customer experience. They were determined to reduce the time it took for a customer to fund their trading account and begin trading, aiming for a market-leading activation speed.

Manual treasury operations slowing customer onboarding

In a highly competitive industry, delays in customer activation represent friction and lost opportunity. Investimental knew it needed a scalable, automated treasury solution that could eliminate manual work, improve accuracy, and allow users to start trading instantly.

A Treasury Management System built for speed and integration

Investimental turned to Finqware’s FinqTreasury, a treasury management automation solution purpose-built for digital-first finance teams. The platform enabled:

By centralizing treasury activity and enabling real-time cash visibility, Investimental could now onboard customers faster and run a more resilient back office.

FinqTreasury was integrated directly into Investimental’s existing infrastructure through API. Within days, automated matching rules were deployed, and full treasury automation was live.

Key configuration steps included:

This gave the finance team real-time insight into incoming flows — an essential capability for cash flow forecasting and managing high-volume transactions in a dynamic market.

The adoption of FinqTreasury yielded significant, measurable benefits for Investimental:

By choosing FinqTreasury, Investimental has redefined what fast onboarding means in the trading industry. The ability to see and process bank transactions in real-time has empowered their team to offer instant account activation, gain tighter control over treasury operations, and scale efficiently — all while enhancing investor confidence.

For CFOs and financial operations leaders seeking a proven way to increase speed, visibility, and automation in financial flows, this case clearly demonstrates how Finqware’s treasury management system can be a key enabler of digital transformation.