Idle cash is a silent expense
A startup raises money and parks it in checking, where it earns roughly nothing — while 13-week Treasury bills pay real yield. At published rates, a few million dollars of idle cash forgoes tens of thousands of dollars a year. Most founders never see that number, because nobody shows it to them.
The thesis
Startup treasuries hold idle cash losing real yield. Idle quantifies it — and will automate it. Quantifying is live today: the yield-lost math runs at live FRED and U.S. Treasury rates, in the interactive demo and, for signed-in workspaces, against real balances connected read-only through Plaid. Automating — actually moving cash into T-bill ladders — requires a licensed partner (a partner bank, a broker-dealer), and Idle will not ship it before that footing exists. That ordering is the strategy, not a limitation: read-only insight is the wedge because it needs no custody and earns trust first.
The product is built like the treasury tool it wants to be: integer-cents money math that reconciles to the cent, transfer controls modeled as a pure state machine with dual approval, an append-only audit log, and the Treasury's own bond-equivalent-yield formulas rather than approximations. Read how it's built.
Where the product stands
We keep one version of the truth, everywhere: live today — the full interactive demo on a sample company, live market data, real workspaces with organizations, roles, and an audit log, and read-only bank connections (Plaid sandbox, labeled as such) feeding yield-lost analytics on actual balances. Roadmap — custody and money movement through licensed partners, and everything the pricing page marks “coming soon.” The precise line between the two is public on the product status & disclosures page and changes only when the product does.
Team
Idle is deliberately early and deliberately honest about it — investors and early customers get the same disclosures page everyone else does. If that's the kind of treasury company you want to exist, we'd like to talk.