The Silo Tax: Why We Built the Intelligent Banking Mesh

In the last decade, we have seen a massive shift in enterprise software. Companies have moved their ledgers to the cloud (Dynamics 365, Xero) and their banking to sophisticated portals (CommBiz, HSBCnet).

But there is a dangerous gap in the middle. We call it The Silo Tax.

It’s the hidden cost of having "Best of Breed" systems that refuse to talk to each other. It looks like a Finance Manager downloading an ABA file to their desktop, editing a line item in Notepad, and manually uploading it to the bank.

It looks like "Alt-Tab Treasury Management." And it is the single biggest fraud vector in modern finance teams.

Today, we are announcing the solution: The Demiton Financial Gateway.

The Problem: The "Last Mile" Gap

When you strip away the buzzwords, most finance teams are still acting as manual data couriers.

The Outbound Risk: When a payment file leaves the ERP, it becomes a static file on a human's laptop. That file can be edited. BSBs can be swapped. This is how internal fraud happens.
The Inbound Lag: You don't know your cash position until 9:00 AM the next day, after someone has manually downloaded the BAI2 statement and wrestled it into a reconciliation journal.

We realized that building another "connector" wasn't enough. You don't need a pipe; you need a Digital Treasurer.

Introducing the Intelligent Mesh

Demiton is no longer just a document automation tool. We have evolved into a Business Orchestration Platform.

Our new Banking Gateway is a managed service that secures the "Last Mile" between Dynamics 365 and the Australian Banking Network.

1. Zero-Touch Pay Runs

We believe that humans should approve payments, not handle files.

With Demiton, the moment a Payment Journal is posted in Dynamics 365, our gateway picks it up. We validate the hash, encrypt the payload, and transmit it directly to the bank via a secure SFTP tunnel.

No downloads.
No desktop storage.
No opportunity for tampering.

2. The Daily Revenue Sweep

Reconciliation shouldn't wait for your morning coffee.

Our gateway wakes up at 6:00 AM. It fetches your daily statements (BAI2 or CSV) from multiple banks, parses the complex mainframe data into clean JSON, and matches transactions against your open invoices using our deterministic policy engine.

3. Sovereign Security

We know that trust is the currency of finance. That is why we didn't just build a script; we built a fortress.

Key Vaulting: We manage the RSA-4096 keys. Your developers never see them.
Static IP Egress: We route all traffic through a dedicated, allow-listed IP address that your bank trusts.
Australian Sovereignty: All data resides in australia-southeast1. It never leaves the jurisdiction.

The Playground: Try Before You Buy

Enterprise software shouldn't be a black box. You shouldn't have to sign a contract to see if it works.

That is why we are launching the Banking Console—an interactive environment where your implementation team can browse your bank's file system, validate statement parsing, and simulate pay runs using your real configuration.

We are rolling this out immediately to our strategic partners for the Dynamics 365 ecosystem.

The era of the "Manual Glue" is over. It’s time to let your systems act as one.

Launch the Gateway Pilot →