Your startup's idle cash, at live market rates
Idle cash is a silent expense: checking earns next to nothing while T-bills pay real yield. Idle is treasury automation for startups — T-bill ladders, maker-checker transfer controls, and a to-the-cent ledger, priced from live U.S. Treasury rates.
From idle cash to a settled ladder in three moves
See live rates
Open the demo to the real rate environment — SOFR, fed funds, and the latest bill auctions, fetched live.
Build a T-bill ladder
Size a ladder against a sample balance and watch the blended yield and maturity schedule update instantly.
Approve and settle
Propose a transfer, approve it as a second party, and watch it settle to the cent in the audited ledger.
Treasury infrastructure, not a spreadsheet
T-bill ladders
Roll a laddered book of Treasury bills sized to your runway, so cash stays liquid as each rung matures.
Maker-checker controls
Every transfer is proposed by one person and approved by another — segregation of duties, enforced.
To-the-cent ledger
An append-only, audited ledger in exact integer cents. No floats, no drift, every entry accounted for.
Live market rates
Priced from live U.S. Treasury auctions and FRED policy rates — the same numbers scrolling above.