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Use Case: Embedded Treasury, Automated Payments, and Real-Time Reconciliation

Summary

Cobre enables companies to integrate payment capabilities directly into their ERPs or Accounting Systems, turning treasury modules into financial execution engines. Through APIs and structured file formats, companies can automate Accounts Payable (AP) flows — including payroll, vendors, taxes, and other obligations — while maintaining approval controls, bulk processing, and visibility for reconciliation.

Cobre operates as a banking proxy, meaning companies can treat Cobre as their operational banking execution layer while retaining full control from their ERP.

1. What Cobre Enables for Companies Integrating Cobre into Their ERP

With Cobre, companies can:

Integrate payment initiation directly into the ERP treasury module

Manage liquidity through Cobre Balances

Execute individual or bulk payments to vendors, employees, or partners

Implement maker–checker approval workflows

Automate reconciliation via Webhooks or reports

Monitor payment status in near real-time

Maintain traceability and auditability for finance teams

This approach transforms the ERP into a true Embedded Finance layer.

2. Cobre in the Enterprise Payment Architecture

In an ERP integration scenario:

Cobre Balance acts as the operational available balance, reflecting payment capacity within the Cobre ecosystem.

Money Movements represent outgoing payment instructions.

Bulk Money Movements enable mass payment execution.

Approval Workflows (Maker–Checker) enforce internal controls.

Reports and Webhooks provide feedback on payment outcomes.

Transactions reflect the final financial result.

Cobre becomes the execution layer, while the ERP remains the system of record.

3. General Integration Flow

A typical enterprise integration flow is as follows:

Cobre Setup

Although Cobre is not a bank, it is typically configured as one within the ERP banking module.

The treasury team is enabled to initiate payments and access information from Cobre.

Funding the Cobre Balance

Funds are made available in the Cobre Balance.

AP payments are executed against the available funds.

Accounts Payable Creation

AP items (payroll, vendors, etc.) are created in the ERP.

They are marked as “Ready for Payment.”

Payment Instruction Generation

Bulk file generation in different formats.

Or automatic loading into an integration module (Outbox pattern).

Payment Submission

Manual upload via Portal.

Or automatic submission via API.

Payment Execution

Cobre processes and delivers the payments.

Status updates are generated.

Reconciliation

Reports or Webhooks provide final results.

The ERP updates the AP status.

4. Integration Models

ERPs typically integrate with Cobre in two main ways:

4.1 Batch File Processing (Semi-Automated)

Common model in traditional ERP environments.

Process:

The ERP generates a bulk payment file.

Multiple formats are supported, such as:

Cobre format

SAB / PAB Bancolombia

DISFON Banco de Bogotá

Davivienda

BBVA

A user uploads the file to the Cobre Portal.

At the end of the day or the next day:

The Money Movements, Transactions, or Multicash report (available in Colombia only) is downloaded.

It is uploaded into the ERP.

AP statuses are updated.

Characteristics:

Process with human intervention, though it can be automated via SFTP and batch job schedulers (e.g., Control-M)

Batch reconciliation

Ideal for migrations from traditional banking

4.2 Outbox Pattern (A Fully Automated Integration Option)

Common model in modern ERPs with middleware or integration modules, especially when direct ERP interaction is not possible or not optimal.

Process:

The ERP marks AP items as “Ready for Payment.”

The integration module periodically queries these AP items.

They are stored in an intermediate database (Outbox).

The module sends instructions to Cobre via API.

Webhooks or automated report polling update statuses.

The Outbox database synchronizes changes back to the ERP.

The ERP automatically updates AP items (reconciliation).

Characteristics:

No manual intervention

Scheduled or event-driven execution

Near real-time reconciliation

Scalable for high volumes

5. Key Cobre Functionalities Used

Cobre Functionality	Role in ERP Integration
Virtual Balances - Cobre Balances	Operational treasury account
Money Movements	Individual payment execution
Bulk Money Movements	Mass AP processing
Approval Workflows	Maker–checker controls
Notifications & Webhooks	Real-time feedback
Reports (Money Movements / Multicash)	Reconciliation source

6. Embedded Finance in the ERP

By integrating Cobre:

The ERP treasury module becomes a banking execution interface

Finance teams operate within their familiar environment

Approvals and reconciliation remain centralized

Reliance on external banking portals is minimized

This enables Embedded Finance capabilities within the organization.

7. Reconciliation Models

Companies can reconcile in two ways:

Manual Reconciliation (Automatable with SFTP and Batch Processes)

Download the Money Movements or Multicash report (available only in Colombia).

Upload it into the ERP.

Update AP based on status:

Completed

Rejected

Returned

Automated Reconciliation

The module automatically requests reports

Or receives Webhooks

Updates records in the Outbox database

Synchronizes status with the ERP

This ensures alignment between treasury and accounting.

8. Governance and Controls

Cobre provides enterprise-grade controls:

Enables maker–checker workflows

Role-based permissions for Portal access

Full audit trail

Detailed tracking of each payment

Structured rejection reasons

These controls support compliance and internal audit processes.

9. Enterprise Use Cases

ERP + Cobre integration is ideal for:

Payroll processing

Vendor / third-party payments

Multi-entity treasury centralization

Shared service centers

10. Summary — What Cobre Delivers in ERP Integrations

Cobre enables companies to:

Treat Cobre as a payment method within the ERP
Manage liquidity in Cobre Balances
Execute individual and bulk payments
Implement maker–checker approval workflows
Reconcile via reports or Webhooks
Automate treasury with modern integration patterns

By integrating Cobre into the ERP, companies transform treasury from a manual process dependent on traditional banking into an integrated, automated, and controlled financial flow.

Integrating Cobre from ERPs

Use Case: Embedded Treasury, Automated Payments, and Real-Time Reconciliation#

Summary#

1. What Cobre Enables for Companies Integrating Cobre into Their ERP#

2. Cobre in the Enterprise Payment Architecture#

3. General Integration Flow#

4. Integration Models#

4.1 Batch File Processing (Semi-Automated)#

4.2 Outbox Pattern (A Fully Automated Integration Option)#

5. Key Cobre Functionalities Used#

6. Embedded Finance in the ERP#

7. Reconciliation Models#

Manual Reconciliation (Automatable with SFTP and Batch Processes)#

Automated Reconciliation#

8. Governance and Controls#

9. Enterprise Use Cases#

10. Summary — What Cobre Delivers in ERP Integrations#