Cash that works. Payments that land.
Idle balances earn in a structured reserve; outgoing money moves on rails you can compare at a glance.
The reserve.
The treasury reserve holds cash you do not need this week in a structured, redeemable strategy. Allocation, composition, projected yield, and redemption terms are shown together — because a yield number without its structure is marketing, not information.
Payment rails compared.
Choose the rail that fits the moment — cost against speed against urgency — with the differences written down instead of memorized.
| Consideration | ACH | Domestic wire | International wire |
|---|---|---|---|
| Best for | Batch, recurring, low urgency | Large, same-day domestic | Cross-border settlement |
| Speed | Standard 1–3 business days, same-day options | Same day | Typically 1–2 business days |
| Cost posture | Lowest | Higher | Highest |
| Traceability | Trace ID in the ledger | Wire reference in the ledger | Reference in the ledger |
| Approval flow | Single approval, allowlist-aware | Second approval for large wires | Second approval + enhanced review |
Settlement, honestly.
The movement appears in your desk with its source, purpose, amount, and the rail you chose — visible the moment it exists.
Status reads “pending approval”, “processing”, or “awaiting second approval”. The speed profile stays attached so expectations stay honest.
The entry lands in the ledger with its trace, category, and final state. Nothing to reconcile manually.
Guardrails.
- Withdrawal allowlists keep destinations verified before money moves
- Large wires require a second approval, by design
- Daily limits attach to each account, not to memory
- Every movement keeps a trace you can read in the ledger
Put your cash to work — and watch it move.
Applications are reviewed within one to three business days.