菜单
Monitors daily cash position across all accounts, flags anomalies, tracks burn rate, and produces a daily cash snapshot. Use when the user mentions cash position, daily cash check, burn rate, bank balance, or asks about unusual transactions or cash alerts.
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基于 SOC 职业分类
Reconciles bank accounts and credit cards monthly — matches every transaction to the ledger, resolves exceptions, tracks uncleared items, and documents the process. Use when the user mentions bank reconciliation, transaction matching, reconciling accounts, GL cash balance not matching the bank, or asks about month-end reconciliation or corporate card reconciliation.
Manages banking relationships — account optimization, fee negotiation, credit facility oversight, treasury yield, and fraud prevention. Use when the user mentions banking setup, bank fees, credit facility, treasury yield, investing excess cash, opening new accounts, or asks about banking architecture, account optimization, or fraud prevention.
Builds and maintains a 13-week rolling cash forecast — models inflows, outflows, scenario analysis, and forecast-vs-actual accuracy tracking. Use when the user mentions cash forecast, 13-week forecast, liquidity projection, cash runway, or asks about modeling cash under different scenarios or when cash runs out.
Optimizes working capital — improves DPO, accelerates collections, manages inventory, and negotiates payment terms to maximize cash efficiency. Use when the user mentions working capital, cash conversion cycle, DPO, DSO, or asks about improving payment terms, accelerating collections, or optimizing cash tied up in operations.
Routes CFO and financial operations requests to specialized sub-skills based on user intent matching, task classification, and multi-skill chain assembly. Use when the user mentions startup CFO tasks, financial operations, reporting, fundraising questions, cash management, financial planning, strategic advisory, or asks about running any CFO-related workflow.
Manages the full accounts payable workflow including vendor invoice intake, approval routing, payment scheduling, vendor reconciliation, AP aging tracking, and DPO optimization. Use when the user mentions paying vendor invoices, scheduling payments, managing AP aging, reconciling vendors, approving invoices for payment, or asks about accounts payable workflows and vendor payment strategies.
| name | cash-monitoring |
| description | Monitors daily cash position across all accounts, flags anomalies, tracks burn rate, and produces a daily cash snapshot. Use when the user mentions cash position, daily cash check, burn rate, bank balance, or asks about unusual transactions or cash alerts. |
| version | 2.0.0 |
| author | Crewm8 |
| maintainer | Gokul (github.com/gokulb20) |
| license | MIT |
| homepage | https://crewm8.ai |
| tags | ["cfo","finance","cash","treasury","burn-rate","anomaly-detection"] |
| related_skills | ["cash-forecasting","bank-reconciliation","banking-relationship-management","working-capital-optimization"] |
| inputs_required | ["bank-account-balances-from-all-operating-accounts","transaction-log-last-30-days","payment-processor-stripe-paypal-balances","expected-large-inflows-outflows-this-week"] |
| deliverables | ["daily-cash-snapshot-dashboard","anomaly-report-with-flagged-transactions","burn-rate-trend-and-runway-projection"] |
| compatible_agents | ["hermes","claude-code","droid","cursor","windsurf","openclaw","openai","generic"] |
Monitor the company's cash position daily across all bank accounts, payment processors, and deposit accounts. Flag unusual transactions, track burn rate, surface cash anomalies, and produce a daily cash snapshot.
Cash is the lifeblood of any startup — running out is the single fastest way to die. This skill ensures that the company's cash position is known at all times, anomalies are caught before they become problems, and burn rate and runway are tracked continuously so leadership can make informed decisions about spending and fundraising timing.
| Metric | Formula | Purpose |
|---|---|---|
| Cash on hand | Sum of all bank + processor + short-term balances | Total available liquidity |
| Net burn | Cash end of month - cash start of month | True cash consumption rate |
| Gross burn | Total operating expenses | Total cash spent before revenue |
| Runway | Cash on hand / avg monthly net burn | Months until cash runs out |
| Restricted cash | Security deposits, escrow, L/C collateral | Non-spendable cash (track separately) |
For every account, record:
Cash on hand = sum of all bank account balances
+ sum of all payment processor balances
+ any money market / short-term investment balances
Restricted cash (security deposits, letter of credit collateral) → track separately
Net burn (most common): cash at end of month − cash at start of month. Gross burn: total operating expenses (excludes revenue).
Rolling 3-month average (more stable than single-month).
Runway (months) = Cash on hand / Average monthly net burn
Scan the last 7 days of transactions. Flag:
Produce a one-page dashboard:
===== DAILY CASH SNAPSHOT - April 28, 2026 =====
TOTAL CASH: $2,847,000
Operating: $2,600,000 (SVB Checking + Mercury)
Reserves: $230,000 (Mercury Treasury)
Processors: $17,000 (Stripe balance)
BURN RATE: $85,000/mo (3-mo trailing net burn)
$120,000/mo (gross burn)
RUNWAY: 33.5 months (net)
23.7 months (gross)
FLAGS (last 7 days):
None / 1 pending / 3 anomalies
CHANGE FROM YESTERDAY:
Cash: -$14,200 (vendor payments: $12,000, AWS charge: $2,200)
The skill is complete when:
Can you answer "what is our total cash position right now?" from the snapshot? Can you answer "how many months of runway do we have?" Are anomalies clearly flagged with context and recommended actions? If not, the monitoring is incomplete.
User prompt: "What's our cash position today?" What should happen: Gather current balances from all bank accounts and payment processors, calculate total cash on hand, compute the latest burn rate and runway, produce a daily cash snapshot dashboard, and flag any anomalies detected in the past 7 days.
User prompt: "Check for any unusual transactions this week." What should happen: Pull the last 7 days of transactions across all accounts, run anomaly detection heuristics (off-hours, round amounts, new counterparties, duplicate payments), and return a prioritized flag list with transaction details and recommended actions.
User prompt: "Alert me if our cash drops below $500k and tell me how long we have." What should happen: Monitor the cash position against the $500k threshold, compute the current runway in months based on trailing 3-month net burn, project the zero-cash date if burn remains constant, and provide a severity rating (green/yellow/orange/red) with specific recommendations.
cash-forecastingbank-reconciliationbanking-relationship-managementworking-capital-optimization