Treasury management systems for small business buyers
Asked as “treasury management system”, and as “TMS”, on behalf of a small B2B company. 64 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
19%
Contested · Rho Treasury 11%
19Agicap11Rho Treasury09Trovata61others
19% of first choices, contested.
Since September 2026▼−5Since September 2026: 21% → 16%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Agicap held the lead, −5 points on 21%, 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
Agicap19%Contested▼−5Since September 2026: 21% → 16%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-market
Trovata28%Contested▲+10Since September 2026: 18% → 28%, +10 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Enterprise
Kyriba35%Contested▼−13Since September 2026: 47% → 34%, −13 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →
Agicap19%Contested▼−5Since September 2026: 21% → 16%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-marketTrovata28%Contested▲+10Since September 2026: 18% → 28%, +10 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →EnterpriseKyriba35%Contested▼−13Since September 2026: 47% → 34%, −13 points. Past the 10-point floor: movement. Read over the models both editions asked.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 September 2026
01Agicap19%5%40accepted challenger▼−5Since September 2026: 21% → 16%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.21% → 16%
Agicap19%5%40accepted challenger▼−5Since September 2026: 21% → 16%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.21% → 16%02
Rho Treasury11%0%30accepted challenger▲+12Since September 2026: 0% → 12%, +12 points. Past the 10-point floor: movement. Read over the models both editions asked.0% → 12%
Rho Treasury11%0%30accepted challenger▲+12Since September 2026: 0% → 12%, +12 points. Past the 10-point floor: movement. Read over the models both editions asked.0% → 12%03Trovata9%13%30accepted challenger▲+11Since September 2026: 0% → 11%, +11 points. Past the 10-point floor: movement. Read over the models both editions asked.0% → 11%
Trovata9%13%30accepted challenger▲+11Since September 2026: 0% → 11%, +11 points. Past the 10-point floor: movement. Read over the models both editions asked.0% → 11%04
Centime5%0%14accepted challenger▲+3Since September 2026: 2% → 5%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 5%
Centime5%0%14accepted challenger▲+3Since September 2026: 2% → 5%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 5%05
Mercury2%14%14accepted challenger▼−5Since September 2026: 7% → 2%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 2%
Mercury2%14%14accepted challenger▼−5Since September 2026: 7% → 2%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 2%06
Brex2%8%12accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%
Brex2%8%12accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%07Kyriba2%92%52criticized challenger▼−3Since September 2026: 5% → 2%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 2%
Kyriba2%92%52criticized challenger▼−3Since September 2026: 5% → 2%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 2%Show the three products at 0%, ordered by negative rate
10
SAP Treasury and Risk Management0%100%23criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
SAP Treasury and Risk Management0%100%23criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%08
ION Treasury0%100%11criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
ION Treasury0%100%11criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%09
GTreasury0%83%29criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
GTreasury0%83%29criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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.
All fifteen head-to-head pages: the top six 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 →
01020304050607080910Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01Agicap19%
Agicap19%02Rho Treasury11%
Rho Treasury11%03Trovata9%
Trovata9%04Centime5%
Centime5%05Mercury2%
Mercury2%06Brex2%
Brex2%07Kyriba2%
Kyriba2%08ION Treasury0%
ION Treasury0%09GTreasury0%
GTreasury0%10SAP Treasury and Risk Management0%
SAP Treasury and Risk Management0%What they warned about
Zero 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 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, 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.
Kyriba92%
48 of 52 labels negative · 14 of 14 models · 16 hard negative
“Systems like Kyriba, FIS Integrity, SAP Treasury, and ION Treasury are designed for large enterprises and can be problematic for small businesses” Kimi K2, negative prompt
SAP Treasury and Risk Management100%
23 of 23 labels negative · 12 of 14 models · 11 hard negative
“Systems designed for large corporations, such as SAP Treasury, are often too complex and require specialized expertise” Mistral Small, negative prompt
GTreasury83%
24 of 29 labels negative · 10 of 14 models · 9 hard negative
“avoiding enterprise-heavy platforms like Kyriba or GTreasury that may involve complex setups and high costs unsuitable for small teams” Grok 4.1 Fast, scale prompt
ION Treasury100%
11 of 11 labels negative · 8 of 14 models · 5 hard negative
“among the most expensive options... skip the big-name enterprise platforms entirely (Kyriba, FIS Integrity, ION, GTreasury, SAP)” DeepSeek V4 Flash, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
79 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. 1120 links across 244 sites, every framing counted. Ranked by the number of answers carrying the site or page. 17 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 · G250 answers · 100 citations · 12 models
vendor site · Rho39 answers · 58 citations · 12 models
31 answers · 36 citations · 11 models
vendor site · Eftsure31 answers · 34 citations · 10 models
vendor site · Centime30 answers · 45 citations · 12 models
vendor site · Eco28 answers · 28 citations · 11 models
vendor site · Guideflow27 answers · 28 citations · 10 models
vendor site · Agicap23 answers · 29 citations · 9 models
21 answers · 29 citations · 8 models
vendor site · TreasuryView19 answers · 39 citations · 10 models
vendor site · Ripple19 answers · 23 citations · 12 models
vendor site · Sourceforge19 answers · 19 citations · 10 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.
39 answers · 12 models
28 answers · 11 models
26 answers · 9 models
23 answers · 9 models
23 answers · 10 models
22 answers · 10 models
22 answers · 9 models
19 answers · 10 models
18 answers · 10 models
17 answers · 11 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 | 19% | 111 | 590 | 5 | 31,998 | 22 | |
| Rho Treasury rho.co | 11% | 45 | 170 | 1 | 182,562 | $416 | 2 |
| Trovata trovata.io | 9% | 118 | 2,900 | 89 | 1,685 | 6 | |
| Freightview freightview.com | 8% | 11 | 2,400 | 24 | 1,241 | 7 | |
| TreasuryView treasuryview.com TreasuryView 5%, Treasury Prime 2% | 6% | 19 | 20 | 0 | 2,270 | ||
| Centime centime.com | 5% | 45 | 1,300 | 197 | 1,695 | ||
| MyCarrierTMS | 5% | ||||||
| Modern Treasury moderntreasury.com | 3% | 28 | 2,900 | 33 | 101,740 | 26 | |
| Rose Rocket roserocket.com | 3% | 6 | |||||
| Mercury mercury.com | 2% | 179 | 368,000 | 130,988 | 301,244 | $284,811 | 25 |
Google's top ten for the three searches hold 20 sites; 1 of them are among the sites the models cited here (treasury.ripple.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 4.5CentimeMyCarrierTMSChangedAgicapFygrno first choiceagainst: Kyriba
Three alternatives
Agicap, Fygr, TesorioThree alternatives
AscendTMS, FreightPOP, FreightviewThree alternatives
Atlar, Rho Treasury, Treasury PrimeThree alternatives
Pennylane, Rho Treasury, TreasuryViewGPT-5.4 miniTrovataagainst: GTreasury, KyribaFreightviewChangedAtlar, Trovataagainst: GTreasury, KyribaTreasury Suiteagainst: Kyribano first choicenothing named
Two alternatives
Agicap, Rho TreasuryFour alternatives
Descartes Aljex, MyCarrierTMS, ShipHero, ShipperGuide TMSOne alternative
AgicapOne alternative
AgicapGemini 3.5 FlashTrovataagainst: FIS Integrity, GTreasury, KyribaMyCarrierChangedagainst: Oracle Treasury, SAP Treasury and Risk ManagementTrovataagainst: FIS, ION Treasury, KyribaTrezyagainst: FIS Integrity, GTreasury, KyribaTrovataagainst: FIS Integrity, GTreasury, Kyribaagainst: FIS, GTreasury, ION Treasury, Kyriba, Oracle Treasury, Ripple Treasury, SAP Treasury and Risk Management
Four alternatives
Agicap, Centime, Embat, TreasuryViewThree alternatives
AscendTMS, FreightPOP, FreightviewThree alternatives
Agicap, Centime, CobaseFour alternatives
Agicap, Centime, Mercury, TrovataFive alternatives
Agicap, Centime, Mercury, Rho Treasury, Round TreasuryPerplexity SonarAgicap, Rho Treasuryagainst: KyribaCargosonChangedagainst: Descartes AljexAgicap, Rho Treasuryagainst: FIS, HighRadius, Kyriba, SAP Treasury and Risk ManagementRho Treasuryagainst: FIS Quantum, GTreasury, ION Treasury, Kyriba, SAP Treasury and Risk Managementno first choiceagainst: Kyriba
One alternative
Modern TreasuryOne alternative
FreightviewThree alternatives
GTreasury, Nomentia, TrovataOne alternative
AgicapGrok 4.1 FastAgicapagainst: GTreasury, KyribaMyCarrierTMSChangedCentimeagainst: GTreasury, KyribaAgicapagainst: GTreasury, KyribaModern Treasury, Rho Treasury, Stripe Treasury, Trovataagainst: GTreasury, Kyribaagainst: GTreasury, HighRadius, ION Treasury, Kyriba, SAP Treasury and Risk Management
Four alternatives
Centime, Modern Treasury, Rho Treasury, TrovataFive alternatives
Freightview, MercuryGate, Onfleet, Route4Me, ShipStationFour alternatives
Agicap, Brex, Rho Treasury, TrovataTwo alternatives
Centime, FloatMistral SmallAgicapKuebix, Rose RocketChangedKosh.ai, TreasuryXpress, ZenTreasuryagainst: KyribaCentime, Rho TreasuryTreasury Primeagainst: BlackLine Treasury, Kyribaagainst: SAP Treasury and Risk Management
Two alternatives
Nomentia, TrovataOne alternative
MercuryGateTwo alternatives
Nomentia, TrovataOne alternative
TrovataTwo alternatives
Cashflowy, HighRadiusDeepSeek V4 FlashAgicapagainst: GTreasury, HighRadius, Kyriba, SAP Treasury and Risk Management, TrovataFreightviewChangedagainst: Oracle Treasury, SAP Treasury and Risk ManagementAgicap, Atlaragainst: KyribaRho Treasuryagainst: Brex, GTreasury, Kyriba, Mercury, TrovataAgicap, Trovataagainst: FIS, ION Treasury, Kyribaagainst: Coupa Treasury, FIS Integrity, GTreasury, ION Treasury, Kyriba, Reval, SAP Treasury and Risk Management, Wallstreet Suite
Three alternatives
Brex, Mercury, Rho TreasuryFour alternatives
BambooHR, Rose Rocket, Smartcat, SmartlingThree alternatives
Moniflow Super Flow Treasury, Rho Treasury, TreasurySpringOne alternative
TreasuryViewOne alternative
Modern TreasuryLlama 4 Maverickno first choiceagainst: FIS Quantum, GTreasury, ION Treasury, Kyriba, SAP Treasury and Risk ManagementNext LogisticsChangedno first choiceno first choiceagainst: FIS Quantum, GTreasury, ION Treasury, Kyriba, SAP Treasury and Risk Managementno first choiceagainst: SAP Treasury and Risk Management
Two alternatives
Guideflow, Rho TreasuryTwo alternatives
Kuebix, MercuryGateQwen 3.7 FlashCentimeagainst: Kyriba, RippleTruckstop.comChangedMercury + Treasury, Rampagainst: KyribaBrex, Rampagainst: Kashoo, Kyriba, Oracle Treasury, SAP Treasury and Risk ManagementAltis, Financia, Kyriba, Workivaagainst: Oracle Treasury, SAP Treasury and Risk Managementagainst: BlackLine, Excel, Google Sheets, Kyriba, Oracle FLEXCUBE, SAP S/4HANA, Workday Adaptive Planning
One alternative
TrovataFour alternatives
FreightCenter, ShipStation, Shippo, XPO LogisticsThree alternatives
Atlar, Brex, Stripe TreasuryFour alternatives
Float, Plaid, QuickBooks Online, XeroSix alternatives
Bill.com, BlackLine, Divvy, HighRadius, Ramp, XeroKimi K2AgicapAscendTMS, FreightviewChangedAgicap, Embatagainst: KyribaAgicapModern Treasury, Rho Treasury, Trovataagainst: GTreasury, Kyribaagainst: Agicap, FIS Integrity, ION Treasury, Kyriba, SAP Treasury and Risk Management
Two alternatives
Float, Sage Intacct Cash ManagementTwo alternatives
Rose Rocket, ShipwellThree alternatives
Atlar, Mercury, Rho TreasuryThree alternatives
Ramp, Relay, Rho TreasuryGLM 4.7 FlashXAgicapagainst: KyribaFreightviewChangedTrovataagainst: KyribaTreasuryViewagainst: Excel/Google Sheets, Mercury, NetSuite Treasury, QuickBooks Cash Flowno first choiceagainst: Coupa Treasury, FIS Integrity, FIS Quantum, GTreasury, ION Treasury, Kyriba, Ripple Treasury, SAP Treasury and Risk Management
Two alternatives
Fygr, RampTwo alternatives
Omniful, OnfleetTwo alternatives
Agicap, NomentiaThree alternatives
Agicap, Centime, Rho TreasuryMiniMax M2.5TreasuryXpressagainst: KyribaKuebix TMS, MyCarrierTMSChangedAgicap, TreasuryXpressMercury, Rho Treasuryagainst: GTreasury, Kyriba, SAP Treasury and Risk Managementno first choiceagainst: Kyribaagainst: GTreasury, Kyriba, Oracle Treasury, SAP Treasury and Risk Management
Three alternatives
GTreasury, Ocean Treasury, Rho TreasuryFive alternatives
GTreasury, Kyriba, Mercury + Treasury, Rho Treasury, TesorioTwo alternatives
Relay, TreasuryViewThree alternatives
Agicap, GTreasury, Treasury PrimeGPT-6 LunaAgicapFreightviewChangedAgicap, Trovataagainst: KyribaFloatagainst: Agicapno first choiceagainst: ION Treasury, Kyriba, Modern Treasury, SAP Treasury and Risk Management, Trovata
Two alternatives
Kyriba, TrovataOne alternative
ShipwellThree alternatives
Embat, Nomentia, Ripple TreasuryMuse Glimmer 30BAgicap, TreasuryViewagainst: GTreasury, Kyriba, SAP Treasury and Risk ManagementRose RocketChangedAgicap, Trovataagainst: GTreasury / Ripple Treasury, KyribaAgicap, TreasuryViewagainst: GTreasury / Ripple Treasury, Kyriba, SAP Treasury and Risk Management, Trovatano first choiceagainst: GTreasury, Kyriba, SAP Treasury and Risk Managementagainst: GTreasury, Kyriba, Oracle Transportation Management, Oracle Treasury, SAP TMS, SAP Treasury and Risk Management
Two alternatives
Centime, Rho TreasuryThree alternatives
Descartes ShipRush, MercuryGate, OnroOne alternative
Rho TreasuryThree alternatives
Brex, Mercury, Rho TreasuryBold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-01 07:58 | yes | 14 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:33 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:46 | yes | 14 | 20 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 11:22 | yes | 17 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:58 | yes | 18 | 7 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:15 | yes | 12 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:15 | yes | 24 | 29 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:41 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:18 | yes | 8 | 51 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:56 | yes | 11 | 17 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:06 | yes | 20 | 156 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 07:45 | yes | 5 | 21 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:57 | yes | 3 | 22 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:30 | yes | 22 | 26 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 07:37 | yes | 9 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:21 | yes | 5 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:19 | yes | 21 | 29 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 09:48 | yes | 34 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:27 | yes | 22 | 6 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:13 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:37 | yes | 23 | 25 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:21 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:54 | yes | 10 | 60 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:35 | yes | 19 | 20 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:04 | yes | 24 | 60 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:08 | yes | 10 | 34 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:52 | yes | 2 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:36 | yes | 15 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:17 | yes | 9 | 7 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:54 | yes | 5 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:53 | yes | 20 | 25 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 09:15 | yes | 15 | 4 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:10 | yes | 18 | 14 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:38 | yes | 13 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:57 | yes | 23 | 37 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:12 | yes | 5 | 1 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:49 | yes | 10 | 40 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:59 | yes | 22 | 23 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:29 | yes | 20 | 36 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:32 | yes | 19 | 24 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:59 | yes | 6 | 50 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:42 | yes | 21 | 43 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:58 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:10 | yes | 2 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:55 | yes | 28 | 25 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 07:49 | yes | 15 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:11 | yes | 23 | 12 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:44 | yes | 8 | 12 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:31 | yes | 23 | 45 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:53 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:08 | yes | 5 | 21 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:19 | yes | 17 | 21 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:53 | yes | 25 | 102 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:25 | yes | 17 | 36 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:12 | yes | 2 | 16 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:06 | yes | 22 | 24 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:26 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:43 | no | 0 | 5 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:21 | yes | 22 | 25 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 10:37 | yes | 20 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:06 | yes | 21 | 8 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:23 | no | 0 | 9 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:37 | yes | 18 | 32 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:54 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:11 | no | 0 | 34 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:46 | yes | 24 | 26 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:40 | yes | 10 | 19 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:14 | yes | 9 | 14 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:21 | yes | 5 | 18 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:57 | yes | 14 | 23 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:05 | yes | 16 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:22 | yes | 4 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:21 | yes | 9 | 21 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 10:51 | yes | 16 | 3 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:41 | yes | 18 | 7 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:17 | yes | 11 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:53 | yes | 25 | 27 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:40 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:21 | no | 0 | 28 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:32 | yes | 23 | 24 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:44 | yes | 20 | 30 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:15 | yes | 19 | 38 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:37 | yes | 4 | 18 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:42 | yes | 14 | 46 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
ION read as ION Treasury
Oracle read as Oracle Treasury
Oracle Cash and Treasury Management read as Oracle Treasury
QuickBooks read as QuickBooks Online
Rho read as Rho Treasury
SAP read as SAP Treasury and Risk Management
SAP Treasury read as SAP Treasury and Risk Management
Unresolved, counted raw
Altis
BlackLine Treasury
DAT Broker TMS
Financia
FloQast Treasury
FreightCenter
Kainos
Moniflow Super Flow Treasury
Next Logistics
Ocean Treasury
Omniful
Onro
PortPro
QuickBooks Cash Flow
Route4Me
Sage Intacct Cash Management
ShipHero
ShipperGuide TMS
Smartcat
TreasurySpring
Truckstop.com
XPO Logistics
Discontinued, still offered
No shut-down product was recommended here.