The Kona Diagnostic
Four weeks. One report. Every euro your treasury is bleeding — quantified.
A fixed-scope, fixed-price engagement for mid-market CFOs who want a clear-eyed look at their cross-border treasury operations. If we don’t find measurable losses that pay for the engagement, you get your money back.
€3,500 – €7,500Four weeksMoney-back guarantee
Price scales with the number of entities, currencies, and banking relationships. Most engagements land at €5,000. Fixed at the start. No hourly billing. No scope creep.
The Deliverable
What you get
By the end of week four, you have a written report on your desk covering four questions:
1 ·How much are you losing to FX?
Not just transaction FX — the visible fees. We quantify:
- Transaction exposure — the fees, spreads, and hidden margins your banks charge on every conversion.
- Translation exposure — how currency movements distort your consolidated financials, and what your P&L is understating.
- Economic exposure — the long-term competitive exposure to currency shifts that no bank and no TMS will ever tell you about. This is where the biggest silent losses live.
2 ·How wrong is your 13-week cash forecast?
Most mid-market forecasts are wrong by 30–40%. We back-test your existing forecast against actuals, identify where the error concentrates, and show what an AI-driven forecast would produce for the same period.
Target for the platform version: 88%+ accuracy or your retainer is refunded.
3 ·How much are your banks costing you?
We benchmark every cross-border wire, every currency conversion, every FX forward, and every account fee against the actual market rate — not the “reference rate” your banks quote. Typical finding: 20–40 basis points of avoidable annual leakage on cross-border payments alone.
4 ·What do you do about it?
A prioritized action list, ordered by euros recovered per week of effort. Every recommendation includes:
- Expected annual saving (with a confidence range)
- Implementation effort (in days or weeks)
- Who on your team should own it
- Which recommendations Kona can help you execute on retainer
Timeline
The four weeks
Week 1
Discovery
- Two 60-minute calls with your CFO or finance manager
- Read-only access to your bank statements, ERP export, and treasury spreadsheets
- Kickoff of a secure shared workspace (Notion + encrypted drive)
- Signed engagement letter and NDA before any data changes hands
Week 2
Diagnosis
- FX exposure model built for your specific corridor mix
- 13-week forecast back-test against your last 12 months of actuals
- Bank fee benchmarking across every corridor you operate in
- Mid-engagement checkpoint — we tell you what we’re finding before the report is written
Week 3
Modeling
- Recommendation modeling — what a 12-month savings profile looks like under each proposed change
- Scenario stress tests — what happens to your position under a 5%, 10%, or 15% adverse currency move
- Draft report circulated to you for factual review
Week 4
Delivery
- Final written report — typically 25–40 pages, board-ready
- Executive summary — one page for your board or investors
- 90-minute review call to walk through findings, action list, and next steps
- Optional retainer conversation, if you want us to help execute
If, at the end of the engagement, we have not identified measurable losses greater than the fee you paid — you get your money back.
No arguments, no partial refunds, no small print. This has never been claimed. It probably never will be. But the guarantee is real, in writing, in the engagement letter.
Two paths
What happens after the diagnostic
Two paths, both are honest:
Retainer
Kona Monthly
€1,500 – €3,500 / month
For companies that want ongoing support: monthly forecast refresh, quarterly bank fee review, FX exposure monitoring, ad-hoc decision support. Typical retainer relationships last 12–24 months. Convert to the Kona Platform when it launches.
DIY
Do it yourself
You take the report, hand it to your team, and execute. No obligation. No handshake sale. If we’ve done our job, the report contains everything you need to act. If you get value from it, tell one other CFO. That’s how we grow.
FAQ
Frequently asked questions
Do you sign an NDA?
Yes. Every engagement starts with a signed mutual NDA. We never share client names, data, or findings without written permission. Case studies are anonymized unless the client explicitly agrees to be named.
Do you take a percentage of savings?
No. We charge a fixed fee. Contingent fees create the wrong incentives — they push advisors to recommend the changes that look biggest on paper, not the changes that are right for your business.
Do you sell software?
Not today. The Kona Platform launches in 2027. Today we sell the diagnostic and the retainer. When the platform ships, current retainer clients migrate first, at a discount.
Are you regulated?
Kona does not move money, does not hold client funds, and does not provide investment advice. We are not required to hold a payment institution license or an investment services license. Full regulatory posture is available on request and detailed in every engagement letter.
What data do you need access to?
Read-only access to bank statements (12 months), ERP export or general ledger, existing treasury spreadsheets, and any FX or hedging contracts. Everything is handled under a signed DPA. Original data never leaves your environment where possible.
Ready to see what your treasury is actually costing you?
Book a 30-minute Treasury Clarity Call. If the diagnostic isn’t right for you, we’ll say so on the call.