How does a treasury engine integrate with erps and bank apis for end to end auto

Integration typically spans three layers: 1) Data ingestion from ERPs (AP/AR, GL, forecasts) via secure APIs, webhooks, or file drops; 2) Bank connectivity using open banking APIs, SWIFT, or host-to-host channels; 3) Orchestration that applies validations, approvals, and translations (e.g., ISO 20022 PAIN/PACS/CAMT). Best practice uses event-driven patterns for real-time updates (e.g., payment status, balance changes) and idempotent processing to ensure consistency. Strong authentication (OAuth 2.0, mTLS) and message-level security are essential, with audit trails and reconciliation back to the ERP. Where PSD2/open banking is available, standardized APIs can accelerate onboarding; elsewhere, banks offer proprietary APIs or SFTP-based H2H. A canonical data model within the treasury engine reduces mapping complexity across multiple ERPs and banks. For resiliency, implement retry policies, circuit breakers, and dual connectivity paths (SWIFT + API). Finally, align integration flows to change management and testing gates to preserve SOX controls. Key Takeaway: Use standardized messaging and secure, event-driven APIs with strong controls to unify ERP and bank data into automated, resilient treasury workflows.