Best Cash & Liquidity Management System for Real Estate Portfolios Managing Multi-Bank Account Networks
Published: November 20, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Trovata Automated Multi-Bank Cash Management Platform by Trovata scored highest.
Content Verification
Evaluation Criteria:
Side-by-Side Comparison
| Feature | #1 Trovata Automated Multi-Bank Cash Management Platform (Trovata) | #2 Kyriba for Real Estate (Kyriba) | #3 TIS Cloud Platform for Payments, Cash Visibility & Forecasting (Treasury Intelligence Solutions (TIS)) | #4 Nomentia Cash & Treasury Management (Nomentia) | #5 Cobase Payment Hub with Treasury Modules (Cobase) |
|---|---|---|---|---|---|
| Best For | Real estate investment managers, REITs, and diversified property groups in North America or Europe that hold hundreds of bank accounts across multiple banks and want real-time portfolio-level cash visibility with minimal IT overhead. | Large, globally diversified real estate groups, listed REITs, and private equity real estate platforms that need deep liquidity planning, multi-bank connectivity at scale, and tight ERP integration. | Large corporates and asset-heavy groups (including renewable and infrastructure investors, utilities, and real-asset funds) needing to bring thousands of accounts and many banks under one payments and liquidity platform. | European real estate holding companies, family offices, and regional REITs that want strong multi-bank cash visibility and liquidity management without the full complexity of a global mega-TMS. | European real estate and infrastructure groups with many SPVs and banking relationships that want to standardize payments and cash visibility across banks and ERPs like NetSuite, SAP, and Microsoft Dynamics 365. |
| Bank Connectivity Coverage | Connectivity to 2, 050+ enterprise/business banks; supports modern bank APIs plus host-to-host (sFTP; MT940/CAMT/BAI2) and SWIFT. (trovata.io[1]) Examples: Bank of America, Citi, Deutsche Bank, HSBC, J.P. Morgan, KeyBank, PNC, Silicon Valley Bank, U.S. Bank, Wells Fargo. (trovata.io[2]) Some feeds refresh hourly. (trovata.io[1]) | Connectivity-as-a-Service (BCaaS) to 9, 900+ banks globally; fully managed bank connectivity with support for real-time payments and bank reporting. (admin.main-bvxea6i-f4qo6e7ncusey.us-2.platformsh.site[3]) | 11, 000+ global bank connections via APIs, SWIFT (incl. Alliance Lite2), EBICS, and host‑to‑host/SFTP; regional clearinghouses and custom connections supported. Compatible with ISO 20022, SWIFT MT, and bank‑specific formats; maintains 140k+ payment profiles. (tispayments.com[6]) | Connects to 10, 000+ banks globally via SWIFT (Business Connect/Alliance Cloud) with 100+ direct host‑to‑host connections; also supports EBICS and APIs. Managed two‑way connectivity with SFTP/FTP/REST and format conversions between ERPs and banks. (nomentia.com[5]) | Coverage: 300+ banks across 90+ countries, with reach to 15, 000+ institutions via SWIFT. Connectivity via SWIFT FIN/FileAct (Cobase BIC CBSXNL2A or hosted corporate BIC), EBICS 2.4, 3.0, host-to-host/SFTP, and APIs. (cobase.com[4]) |
| Multi-Entity Consolidation | Multi-entity consolidation: Trovata provides Multi-Entity Reporting & Analysis; map accounts to legal entities, define hierarchies and functional currencies; then filter/group and roll up balances and transactions by entity, region, or division across banks, with FX impact for multi-currency consolidation and saved views/reports. (trovata.io[7]) | Consolidated cash, liquidity and risk views across all properties/projects with corporate-wide rollups and entity-level drilldowns. (admin.main-bvxea6i-f4qo6e7ncusey.us-2.platformsh.site[3]) Supports multi-entity cash positioning, cash pooling and in-house bank structures with multi-tier hierarchies, aiding intercompany liquidity movements and reporting. (admin.main-bvxea6i-f4qo6e7ncusey.us-2.platformsh.site[8]) | Multi-entity consolidation: Centralizes cash and payment data across all entities; global dashboards roll up and drill down by entity; Bank Account Management structures accounts and reporting by legal entity; Legal Entity API enables programmatic entity-level consolidation and reporting. (tispayments.com[14]) | Consolidates cash positions and flows across all banks and entities into group-wide dashboards, with reporting that rolls up to group level and drills down to subsidiaries or transactions. (nomentia.com[13]) Liquidity tools aggregate multi-entity cash flow data for group analyses. (nomentia.com[12]) In-house bank centralizes intercompany netting and POBO/COBO for multi-entity settlements. (nomentia.com[11]) | Consolidates group-wide cash across banks, legal entities and currencies, with entity-level filtering/reporting and multi-bank statement consolidation. (cobase.com[10]) Supports multi-entity forecasting plus in-house banking and multibank cash pooling to centralize intercompany liquidity for group consolidation. (cobase.com[9]) |
| Cash Forecasting Accuracy | Client results: EVERSANA achieved single-digit cash-forecast variance after adopting Trovata, indicating improved accuracy. (trovata.io[16]) Product claim: Trovata’s forecasting leverages machine-learning models to analyze historical trends and increase forecast accuracy. (trovata.io[15]) | No real-estate-specific accuracy metric published. Kyriba reports customers achieving >90, 93% cash forecast accuracy using AI-driven forecasting and variance tracking. (admin.main-bvxea6i-f4qo6e7ncusey.us-2.platformsh.site[3]) (kyriba.com[17]) | Documented outcomes: Unilever increased forecast accuracy from ~50% to 80%+ globally; 30‑day forecasts achieved <10% variance. TIS also reports 1.6x higher accuracy at the 90‑day horizon for Unilever, using its CashOptix (formerly Cashforce) forecasting. (tispayments.com[19]) | AI-powered forecasting auto-selects optimal models and corrects outliers to minimize errors, delivering “highly accurate” insights. A client (KARL MAYER) reports a 3% improvement in forecasting accuracy for a complex subsidiary using Nomentia’s predictive analytics. (nomentia.com[18]) | No published % accuracy. Cobase aims to improve forecast accuracy via dual top‑down/bottom‑up forecasting, real‑time bank and ERP data integration, automated matching of actuals to forecasts, and variance tracking; centralized cash visibility further supports more accurate, multi-entity forecasting. (cobase.com[9]) |
Trovata Automated Multi-Bank Cash Management Platform
Summary
API-first cash and liquidity platform that centralizes bank data from hundreds of accounts into a single, real-time dashboard, used by commercial real estate groups like Caruso to manage cash across all properties and bank relationships without heavy IT projects.
Best For
Real estate investment managers, REITs, and diversified property groups in North America or Europe that hold hundreds of bank accounts across multiple banks and want real-time portfolio-level cash visibility with minimal IT overhead.
Key Features
- Direct-to-bank API connectivity to consolidate balances and transactions from many banks into one multi-bank data lake for real-time cash visibility.
- Automated cash reporting and portfolio-level dashboards so treasury can see liquidity across all properties, entities, and currencies in minutes instead of days.
- Machine-learning assisted cash forecasting to model inflows and outflows and support investment and debt decisions at portfolio, region, or entity level.
- Built-in payment initiation and approval workflows so treasury can move liquidity between banks and entities from the same platform used for visibility.
- Pre-built integrations (e.g., J.P. Morgan Treasury Workstation, NetSuite) for faster rollout in complex multi-entity structures.
Pricing Details
Pricing is typically annual SaaS based on number of entities, bank connections, and product modules (cash reporting, forecasting, payments, APIs); no public list pricing, positioned for mid-market and large enterprises.
Limitations
Most suitable for cloud-friendly finance teams; legacy or highly on-premise environments may need change management. Advanced capital-markets and derivatives management is thinner than in heavyweight legacy TMS platforms, and formal bank-relationship or fee-analytics tooling may require complementary systems.
Detailed Comparison
Bank Connectivity Coverage
Multi-Entity Consolidation
Cash Forecasting Accuracy
FAQs
Can Trovata handle hundreds of property-level bank accounts across multiple banks?
Yes. The platform was built as a multibank data platform and is used by real estate groups like Caruso to centralize data from hundreds of accounts and entities via direct bank APIs, giving near real-time views of liquidity across all holdings.
How does Trovata support real estate portfolio reporting?
Bank data is normalized into a central data lake; treasury can build dashboards and reports sliced by entity, property, fund, or region and distribute standardized liquidity packs to asset managers, CFOs, and lenders.
Does Trovata replace a full treasury management system?
For many real-estate-focused treasuries it covers core needs, multi-bank visibility, cash reporting, forecasting, and basic payments, but highly complex derivative, debt-portfolio, or hedge-accounting use cases may still rely on a separate TMS.
Case Studies
- Caruso commercial real estate group centralizing cash from hundreds of bank accounts across all properties via Trovata’s APIs.
- Sealaska using Trovata to save significant treasury time and focus more on analysis and value-add cash decisions.
KyribaCompany Information
Kyriba is a global leader in cloud-based treasury and risk management solutions, providing a Liquidity Performance Platform that connects, protects, forecasts, and optimizes cash flow, data, and financial strategies for organizations.
Keywords
Summary
Industry-tailored version of Kyriba’s enterprise liquidity platform, delivering advanced treasury, cash and liquidity planning, and bank connectivity for developers, REITs, property managers, and real estate investment firms running complex multi-bank, multi-entity structures.
Best For
Large, globally diversified real estate groups, listed REITs, and private equity real estate platforms that need deep liquidity planning, multi-bank connectivity at scale, and tight ERP integration.
Key Features
- Real-time global cash and liquidity views across all banks, properties, funds, and SPVs, integrated with major ERPs such as SAP, Oracle, NetSuite, and Microsoft Dynamics.
- Connectivity-as-a-service to 9, 900+ banks worldwide, enabling standardized multi-bank connectivity for highly fragmented real estate banking networks.
- Advanced cash forecasting, scenario analysis, and liquidity planning to model rent inflows, capex programs, refinancing events, and acquisition pipelines.
- In-house banking, cash pooling, and payment factory capabilities to re-route liquidity between holdings and reduce idle cash.
- Embedded risk and compliance tools for FX, interest-rate risk, and payment fraud monitoring across global portfolios.
Pricing Details
Licensing is modular (treasury, payments, risk, connectivity, working capital) with implementation typically sold as a multi-year SaaS subscription; cost scales with entities, transaction volume, and connectivity footprint, with no public list prices.
Limitations
Implementation is heavier and can take months; requires strong internal project ownership. Licensing and consulting costs may be high for mid-sized or regionally-focused landlords, and configuration complexity can exceed what smaller teams want to manage.
Detailed Comparison
Bank Connectivity Coverage
Multi-Entity Consolidation
Cash Forecasting Accuracy
FAQs
How is Kyriba adapted specifically for real estate groups?
The real-estate solution bundles Kyriba’s treasury, cash, and connectivity modules with industry-focused configuration for developers, REITs, property managers, and investment firms, giving consolidated views across property SPVs and funds.
Can Kyriba support hundreds of banks and accounts across multiple jurisdictions?
Yes. Kyriba’s connectivity layer supports over 9, 900 banks and 66, 000+ pre-built format scenarios, making it suitable for multi-bank, multi-country account networks.
Is Kyriba mainly cloud-based or on-premise?
Kyriba is delivered as a cloud-based SaaS platform, with security certifications and managed connectivity; there is no traditional on-premise deployment.
Case Studies
- Global manufacturing group Bray International achieving 100% cash visibility and major productivity gains using Kyriba.
- Health Care Service Corporation (HCSC) freeing billions in investment capital and reducing working capital requirements through Kyriba-driven liquidity improvements.
TIS Cloud Platform for Payments, Cash Visibility & Forecasting
Summary
Cloud-based enterprise payments and liquidity platform that connects to 11, 000+ banks and centralizes global payments, bank accounts, and cash-flow data, giving treasurers a single control layer over multi-bank cash visibility and forecasting.
Best For
Large corporates and asset-heavy groups (including renewable and infrastructure investors, utilities, and real-asset funds) needing to bring thousands of accounts and many banks under one payments and liquidity platform.
Key Features
- Connectivity to 11, 000+ banks via SWIFT, EBICS, APIs, and other channels, consolidating bank reporting and payments into a single platform.
- Bank Account Management (BAM) with dynamic reporting on all accounts, signers, and structures, used by companies with portfolios of hundreds of accounts.
- Cash forecasting and working-capital analytics (CashOptix, former Cashforce) to aggregate global cash, banking, AP/AR, and P&L data for short- and long-term forecasts.
- Global payments hub to standardize and automate outbound payments across banks, formats, and regions from one workflow.
- Partnerships with banks like Citi and Treasury Strategies for integrated liquidity, cashflow, and bank fee analytics solutions.
Pricing Details
TIS is priced as a modular SaaS platform (Payments Hub, Cash Visibility, Bank Account Management, Cash Forecasting, etc.), with cost linked to modules, entities, payment volumes, and banks; aimed at mid-to-large multinational organizations.
Limitations
TIS is oriented around enterprise-scale payments and liquidity; smaller real estate portfolios may find the initial scope more than they need. Deep, ERP-embedded workflows may be better served by SAP-centric solutions.
Detailed Comparison
Bank Connectivity Coverage
Multi-Entity Consolidation
Cash Forecasting Accuracy
FAQs
How many bank accounts can TIS realistically support?
TIS references clients with 85, 000+ connected bank accounts and 11, 000+ global banking options, so it is designed for very large, complex multi-bank landscapes.
Does TIS include forecasting or is it only a payments hub?
In addition to the Payments Hub, TIS offers Cash Visibility and Cash Forecasting modules that pull global cash, banking, and working-capital data into a single forecasting and analytics layer.
Is TIS suitable for real-estate-style multi-entity portfolios?
Yes. The platform is used by organizations with many entities and complex bank structures; its BAM and cash-forecasting tools are specifically designed to cope with large, distributed account networks.
Case Studies
- Encavis using TIS to centrally manage a large portfolio of globally distributed bank accounts and improve transparency.
- Unilever leveraging TIS cash forecasting to reduce time spent on forecasting by 70% and improve global working-capital efficiency.
- Archroma and Siemens Gamesa replacing dozens of e-banking tools with TIS to harmonize global bank connectivity and bank-account management.
Nomentia Cash & Treasury Management
Summary
Modular European cash and treasury management platform focused on centralized cash visibility, liquidity management, and multi-bank connectivity, giving real estate and holding companies a single dashboard for all cash positions across banks, entities, and currencies.
Best For
European real estate holding companies, family offices, and regional REITs that want strong multi-bank cash visibility and liquidity management without the full complexity of a global mega-TMS.
Key Features
- Centralized group-wide cash visibility with dashboards that consolidate balances, cash flows, loans, deposits, and intercompany positions across all banks and entities.
- Connectivity to thousands of banks via SWIFT, EBICS, host-to-host, and APIs to build a multi-bank dashboard instead of separate portals.
- Liquidity management and forecasting modules to plan short- and medium-term liquidity for complex, multi-asset portfolios.
- Bank account management, bank fee analysis, and payment hub capabilities to centralize operational treasury while keeping local banks.
- European-focused product and bank network, with strong coverage for Nordic and broader European corporates.
Pricing Details
Pricing depends on modules (cash visibility, payments, bank connectivity, liquidity management, in-house bank, etc.), transaction volumes, and bank connections; targeted at mid-market and large enterprises rather than micro-businesses.
Limitations
While capable globally, Nomentia’s footprint and go-to-market are strongest in Europe; very large, highly global portfolios might prefer a vendor with broader non-European presence. Deep capital markets and derivatives functionality is less extensive than in the heaviest enterprise TMS platforms.
Detailed Comparison
Bank Connectivity Coverage
Multi-Entity Consolidation
Cash Forecasting Accuracy
FAQs
Can Nomentia show cash across all my banks in one dashboard?
Yes. Nomentia’s cash visibility module aggregates balances and statements from all connected banks and internal systems into a centralized multi-bank dashboard with drill-down reporting.
Is Nomentia more of a full TMS or a focused cash solution?
It is a modular cash and treasury platform; many clients start with cash visibility and payments and later add liquidity, in-house bank, and risk modules as needs grow.
Does Nomentia integrate with our existing ERP and bank connectivity setup?
Yes. The platform connects to major ERPs and to banks via SWIFT, host-to-host, EBICS, and APIs, often layering over existing connectivity rather than replacing it outright.
Case Studies
- Nordic and European corporates using Nomentia as a centralized liquidity and cash visibility layer across multi-bank environments.
Cobase Payment Hub with Treasury Modules
CobaseCompany Information
Cobase is a multibank platform that combines the services of Payment Hubs, Service Bureaus, and Treasury Management Systems in one solution. It streamlines financial operations by providing seamless integration between cloud-based ERP systems and banks, enabling secure connections, and offering customizable financial dashboards for managing payments across multiple banks.
"Single point of access for all your payments, cash & treasury needs"
Keywords
Description
Cobase is a single point of access to all your banks and accounts for payments, cash and treasury management. Streamline operations, use a single portal and integrate your accounting or ERP systems with Cobase to connect all banks and accounts around the world. Expand capabilities with modules for in-house banking, cash pooling, cash flow and liquidity forecasting, foreign exchange and risk management, debt management, and money markets.
What They Do
Cobase provides a platform for payments, cash management, and treasury management, integrating with various banks and ERP systems.
Who They Serve
Corporates, private markets, and institutions.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Multibank payment hub and cash management platform that centralizes payments, cash visibility, and treasury modules in one system, giving corporates a single point of access to all bank accounts and financial services across 300+ banks in 90+ countries.
Best For
European real estate and infrastructure groups with many SPVs and banking relationships that want to standardize payments and cash visibility across banks and ERPs like NetSuite, SAP, and Microsoft Dynamics 365.
Key Features
- Single multibank platform combining payment hub, cash management, and treasury modules (cash pooling, forecasting, FX, money markets).
- Centralized bank connectivity-as-a-service with more than 15, 000 connected banks via SWIFT, EBICS, APIs, SFTP, and other channels, reducing IT overhead.
- Multi-bank cash visibility dashboards, including group-wide views by entity, bank, region, or currency, with reporting and sharing features for treasury and controllers.
- Cash pooling and in-house banking rules to optimize balances across accounts held with different banks, fitting structures with many property SPVs and lenders.
- Integrated payment workflows, sanction screening, fraud prevention, and full audit trails across all banks from one platform.
Pricing Details
Cobase typically prices based on selected modules (Bank Connector, Payment Hub, Treasury modules), number of banks and entities, and connectivity scope; it is sold as SaaS with implementation and connectivity services rather than off-the-shelf tiers.
Limitations
Best suited to organizations willing to centralize payments and cash management; very small property owners with a handful of accounts may find the platform oversized. Some advanced risk functions (e.g., complex derivatives) are more limited than in full-scale legacy TMS suites.
Detailed Comparison
Bank Connectivity Coverage
Multi-Entity Consolidation
Cash Forecasting Accuracy
FAQs
Can Cobase manage all bank accounts for my real estate SPVs centrally?
Yes. Cobase is designed as a multibank platform where all bank accounts can be managed centrally, with standardized payments, cash visibility, and user access across subsidiaries and entities.
Does Cobase support treasury features like cash pooling for multi-bank structures?
Optional Treasury modules extend the Payment Hub into a full treasury solution, including in-house banking and cash pooling rules that work across accounts held at different banks.
How heavy is the IT effort to onboard banks?
Cobase offers bank connectivity-as-a-service; its implementation team handles most technical setup and format mappings, so finance and treasury teams can adopt the platform with minimal internal IT involvement.
Case Studies
- European corporates such as Ten Brinke and VGP using Cobase to streamline multibank cash management and payments across property-heavy portfolios.
- Partnership deployments where Cobase acts as a multibank hub for ERP users needing centralized payments and real-time cash visibility.
Our Ranking Methodology
How we rank these offerings
We ranked software platforms for real-estate portfolio owners based on three key factors: Bank Connectivity Coverage (40% weight), Multi-Entity Consolidation (35% weight), and Cash Forecasting Accuracy (25% weight). Trovata scored highest due to its robust bank connectivity, effective multi-entity consolidation and reliable cash forecasting results that meet the needs of real-estate owners who manage multiple bank accounts and require accurate cash flow insights.
Ranking Criteria Weights:
Frequently Asked Questions
- What do these platforms typically cost for a multi-entity real-estate portfolio, and how are they priced?
- Pricing is usually SaaS-based with a platform subscription plus modules (payments, forecasting, bank connectivity) and scaling factors such as entities, bank connections, and transaction volumes. Enterprise suites like Kyriba for Real Estate and the TIS Cloud Platform often command higher tiers due to advanced planning and global connectivity (TIS connects to 11, 000+ banks), while modular options like Nomentia and Cobase may price more granularly by module and bank connection (Cobase aggregates 300+ banks in 90+ countries). API-first offerings like Trovata can shorten time-to-value by avoiding heavy IT projects, which can reduce implementation cost relative to host-to-host projects. For context, mid-market portfolios (50, 150 accounts across several entities) often see annual subscriptions in the ~$75k, $250k range, while large REITs or pan-regional developers (300+ accounts, complex structures) may range from ~$250k, $750k+; implementation typically adds 15, 40% of first-year subscription, and bank network fees (e.g., SWIFT/host-to-host) can be incremental.
- What key selection criteria should real-estate portfolio owners use when choosing cash and liquidity software?
- Match bank footprint and connectivity model to needs: TIS offers broad global reach (11, 000+ banks), Cobase provides a single access point to 300+ banks in 90+ countries, Nomentia is strong in European multi-bank connectivity, and Trovata’s API-first approach can deliver real-time data where banks expose APIs. Consider treasury depth: Kyriba for Real Estate offers advanced cash and liquidity planning tailored to multi-entity structures, while Cobase and TIS provide enterprise payment hubs when payment centralization is a priority. Ensure property- and entity-level control via tagging, hierarchical structures, and role-based entitlements to handle escrow/lockbox accounts, lender-restricted reserves, and waterfall distributions common in real estate. Finally, assess forecasting capabilities (scenario planning, debt service schedules, capex curves) and whether the platform supports both cash visibility and payments in a single control layer.
- Which compliance, control, and industry standards matter most, and how do the listed platforms align?
- Real-estate owners, especially REITs, should prioritize segregation of duties, multi-level approvals, and audit trails to support SOX-aligned controls; payment hubs like Cobase and the TIS Cloud Platform provide centralized approval workflows and control layers over payments. Bank connectivity should rely on recognized standards (SWIFT, host-to-host, APIs; EBICS is common in parts of Europe), which vendors like TIS, Cobase, Nomentia, and Kyriba support via their multi-bank connectivity frameworks. For European operations, data handling and connectivity patterns supported by Nomentia’s European focus can help with local protocol alignment. Across vendors, centralized bank access and consistent user entitlements (e.g., by entity/property) reduce portal sprawl and improve auditability relative to direct bank portals.
- What implementation challenges are common for large portfolios, and how do these vendors mitigate them?
- Onboarding many banks and accounts is the largest hurdle; platforms with extensive prebuilt connections, TIS (11, 000+ banks), Cobase (300+ banks), and Nomentia’s multi-bank network, shorten connectivity timelines compared to custom host-to-host builds. Data harmonization across entities and properties is another challenge; API-first ingestion and real-time dashboards from Trovata reduce manual file handling, while Kyriba’s planning modules leverage standardized data structures for multi-entity consolidation. A proven approach is phased rollout: start with read-only cash visibility for top banks, then add payments, forecasting, and long tail banks; this aligns with the modular delivery seen at Nomentia and the payment factory models in Cobase and TIS. Vendors also provide bank onboarding playbooks and managed connectivity services to minimize internal IT lift, consistent with Trovata’s positioning of avoiding heavy IT projects.
- How do these platforms deliver ROI for real-estate owners, and what outcomes are realistic?
- Centralizing cash positions across hundreds of accounts reduces manual portal work and accelerates liquidity decisions; API-first consolidation from Trovata (used by CRE groups like Caruso) and broad connectivity from TIS/Cobase commonly translate to faster daily cash positioning and fewer spreadsheet processes. Advanced planning in Kyriba for Real Estate and liquidity management in Nomentia help improve forecast accuracy and align cash against debt service and capex, which can lower idle balances or overdraft reliance. Payment control layers in TIS and Cobase reduce fraud exposure and bank fees by standardizing formats and approvals. Many treasury teams report material efficiency gains (e.g., cutting manual bank data collection and reconciliation time) and improved working capital utilization; payback often occurs within 6, 18 months depending on scope and bank footprint.
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