Fintoc vs Trovata TMS
Fintoc
fintoc.com
Trovata TMS
trovata.ioSide by side
| Figure | Fintoc | Trovata TMS |
|---|---|---|
| Price from | — | $2,000/mo |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 2 | 2 |
| Spec score · Bank Connectivity Software | 8.0 (#12) | 8.0 (#14) |
| Founded | 2020 | 2016 |
| Headquarters | Santiago, Chile | Solana Beach, California, United States |
| Security | Fintoc states that it is certified to ISO 27001 and PCI DSS Level 1. | Trovata states that production data is encrypted at rest with AES-256 and protected in transit with TLS 1.2 using Amazon Key Management Service for cryptographic keys. |
| Support | The site directs users to WhatsApp support and product documentation for help. | The base package includes 3–5 hours of live training and unlimited in-app technical support. |
| What it does | Fintoc unifies payment infrastructure so businesses can receive, move, and reconcile money. | Trovata TMS is a cloud-native treasury system using real-time bank connectivity and normalized financial data across cash, banking, capital markets, payments and accounting. |
Plans
In their own words
Trovata TMS
Trovata TMS is a cloud treasury management system for teams handling cash across multiple banks, entities, and currencies. It connects to banks in real time and normalizes financial data, giving users prior-day and intraday cash positions. Forecasts combine historical trends, ERP inputs, and capital-markets activity, then compare projections with actuals. The platform centralizes bank accounts, signers, documents, and approvals, while automating account maintenance, compliance reporting, and fee analysis. Policy-based workflows support payment initiation, approval, and release, updating cash, forecasts, and accounting as transactions move. Reconciliation covers bank activity, payments, and ERP data, with journal entries for cash, interest, foreign exchange, and accruals. Trovata AI offers natural-language chat and agents for insights, narratives, anomaly detection, reconciliation summaries, and alerts. Integrations include NetSuite, Sage Intacct, Oracle Fusion, SAP, and FloQast, with APIs for other systems. It runs on web, iOS, and APIs.