Accounts that know their job.
An operating account, a yield reserve, and a tax vault — each with its role written on its face, its instructions one tap away.
The operating model.
Most banks give you a list of accounts and let you remember which one is for what. Lorvia does the remembering: every account carries a role, a note, and its own rails — so the question “can I pay from this?” is answered by looking, not recalling.
Balances sit beside the money that is actually free, held, or pending. The number you see is the number you can act on.
Account types.
Three purpose-built account types ship with every workspace. Wire settings, limits, and routing stay attached to each.
| Capability | Operating checking | Treasury reserve | Tax vault |
|---|---|---|---|
| Primary role | Daily operations | Cash yield | Quarterly set-aside |
| ACH | Enabled | Internal only | Disabled |
| Domestic / international wire | Both enabled | Internal only | Disabled |
| Daily limit | $250,000 | $100,000 | $50,000 |
| Projected yield | — | Yes | — |
| Account & routing details | On the account | On the account | On the account |
A day at the desk.
Available balance, held funds, and pending items open the day. The attention queue tells you the three things that actually need you.
Approve the wire from the queue, check its settlement speed, and confirm the payee rails before it leaves. One screen, no context switching.
Bills show what is due and which account pays. Card spend lands in the ledger with its trace, category, and state attached.
The ledger is already reconciled to the day: every entry has a direction, a trace, and a status you can read tomorrow.
Opening in three steps.
Formation details, entity type, and address — exactly as they appear on your documents.
Representative details plus identity, formation, and address documents. Files are stored privately, for review only.
Confirm the summary, submit, and hear back within one to three business days for most complete applications.
Give your accounts a job description.
Open a Lorvia business account and see the difference structure makes.