About us

Welcome to Cobase

Cobase is a leading technology provider that helps organizations take control of their banking, payments, and treasury operations. Our multi-bank Treasury platform was designed from the ground up to eliminate the inefficiencies of fragmented corporate banking infrastructures. By unifying essential financial processes into one platform.

Our purpose

To simplify and centralize banking and treasury operations—removing friction, increasing control, and enabling finance professionals to focus on strategic value.

Built for Modern Finance Teams

The Cobase platform was built from the ground up to overcome the inefficiencies of fragmented banking infrastructures. By consolidating key processes like payments, cash management, and FX into a single interface, Cobase gives CFOs, finance directors, and treasurers real-time visibility and control across all their financial activities.

From Banking Innovation to Independent Growth

Founded in 2017 and incubated within ING Bank, Cobase combines deep expertise in banking, treasury, and enterprise software. Our founding team recognized early on that legacy systems no longer met the needs of modern finance teams. Today, Cobase continues to lead the evolution of treasury technology, delivering solutions that reduce complexity and enhance operational resilience.

Global Reach, Sector-Wide Impact

Cobase supports clients in over 90 countries, serving more than 5,000 end-users across a wide range of sectors—from logistics and manufacturing to private equity and healthcare. Backed by strategic partners including Nordea and Crédit Agricole CIB, Cobase joined Alpha Group International in 2023, strengthening its global footprint as part of a London-listed financial services organization.

What makes us different

One platform for all your banks, accounts, payments, and liquidity.
Modular design that fits both centralized and decentralized finance functions.
Real-time visibility across banks and entities, globally.
Proven integrations with ERPs such as SAP, Microsoft Dynamics and Oracle.
Security and compliance embedded throughout every process.

Enterprise-grade security and compliance

Security is at the core of everything we do. Cobase is ISO/IEC 27001 certified and fully GDPR compliant. We are also SOC 2 Type II certified, ensuring that our internal controls meet rigorous standards for security, availability, and confidentiality. Our platform undergoes regular third-party penetration testing, security audits, and strict change management procedures. We follow industry best practices in data encryption, access control, and secure API communication to protect sensitive financial information.

We support secure communication protocols such as SWIFT FIN/FileAct, host-to-host (SFTP) EBICS and Premiums APIs. Role-based access control, full audit trails, and multi-factor authentication ensure your users operate within a tightly controlled environment. Security is continuously monitored and enhanced in line with evolving threats and compliance standards.

Our platform

Cobase combines the functionality of a payment hub, cash management tool, and service bureau into a secure and modular environment:

Multi-bank connectivity via SWIFT, host-to-host, EBICS, and premium APIs
Centralized payment initiation, approval, and tracking
Real-time cash visibility and forecasting
In-house banking and cash pooling
FX execution and integrated rate feeds
Seamless ERP integration and reconciliation

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Our journey

2017

Founded within ING Bank

Cobase begins as an innovation initiative to solve multi-bank complexity.

2018

Commercial launch

The first clients go live with core banking and payment modules.

2019

Spin-out and growth phase

Cobase becomes independent and scales commercial operations.

2020

Strategic investment from ING, Nordea, and Crédit Agricole CIB

Expansion to wide European market

2021

Platform expansion

Rolling out advanced treasury modules, including Foreign Exchange, Cash Flow Forecasting, In-House Banking, and Cash Pooling.

2022

Expansion in to new ecosystems

Rolling out bespoke integrations with leading cloud ERP systems like Oracle NetSuite, Microsoft Dynamics 365, and SAP S/4HANA.

2023

Acquired by Alpha Group International

Cobase joins Alpha Group, enhancing product capabilities and global access.

2025

Expansion of Treasury capabilities

New modules for advanced Cash Flow Forecasting, Debt Management, and Bank Account Management have been added to the Cobase platform.

A word from our CEO and founder

Jorge Schafraad

"At Cobase, we continue to evolve—expanding our bank connectivity, enhancing automation, and delivering intelligent tools that empower CFOs, finance teams, and treasury professionals with real-time control and insight. Our goal has always been to reduce complexity and give finance leaders the visibility and confidence they need to act decisively.

With a strong foundation in enterprise-grade security, trusted technology partners, and the ambition to challenge outdated banking structures, we are proud to support thousands of users globally in navigating their financial operations more efficiently. The road ahead is exciting, and we remain fully committed to simplifying treasury for every client we serve."

– Jorge Schafraad, CEO and founder of Cobase
We’re dedicated to making multi-bank treasury management simpler, smarter, and more scalable.

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