01UNDERSTAND
See all company money in one place.
Bank accounts, wallets, assets, debt, invoices and payroll — combined into one current view.
ILLUSTRATIVE€2.84mtotal observed treasury
Open Understand ↓
SEE · KEEP · GROW · ACTOne place to understand company money and decide what to do next.
FINANCIAL OPERATING SYSTEM FOR COMPANY TREASURY
Know where company money is.
Know what you can do with it.
Billz brings together cash, wallets, assets and bills. It shows what the business needs to keep available, what can be put to work to earn a return, and helps compare the next moves — pay, hold, sell, borrow or invest.
SEE EVERYTHINGKEEP ENOUGHGROW THE RESTACT WITH CONTROL
BILLZ INTELLIGENCEINTELLIGENCE ORB V3.1
ASK BILLZ.
Ask Billz
in plain language.
How much money can I put to work?
Should I pay this bill with cash or borrow?
Where can available money earn a return?
What happens after I approve?
BILLZ IN 20 SECONDS
See all company money. Keep what the business needs. Put the rest to work.
Billz combines company cash, wallets, assets and bills. It shows what must stay available, what can earn a return, and helps choose the next move.
02PROTECT
Know what must stay available.
Billz accounts for bills, payroll and the cash buffer the business needs before money is put to work.
ILLUSTRATIVE€1.64mkeep available for the business
Open Protect ↓
03GROW
See what can earn a return.
After bills and the company cash buffer are covered, Billz shows what is left and compares where it could earn a return.
ILLUSTRATIVE€620kavailable to grow
Open Grow ↓
04ACT
Choose how to pay, borrow or invest.
Billz compares the routes, prepares the action, keeps approval explicit and records what happened.
ILLUSTRATIVE€180ksupplier bill to fund
Open Act ↓
THE BILLZ QUESTION
What can the company safely do with its money next?
HOW BILLZ WORKS
The same four steps, now shown as INPUT → BILLZ → RESULT.
01UNDERSTANDONE VIEW OF COMPANY MONEY
See all company money
in one place.
Connect the places where company money sits and the bills the company has to pay. Billz turns them into one current view.
Money + bills from different places
BILLZ SEES THE FULL POSITION €2.84m observed. €1.64m protected. €620k deployable.
Bring everything into one view
Billz works out what the business needs to keep, what is already promised, and what is left to put to work.
€620k
Available to grow
From €2.84m total company money, €1.64m should stay available and €418k is already committed to bills and other needs.
ILLUSTRATIVE COMPANYOne company view instead of disconnected accounts and wallets.
See the full company-money example+
ACME HOLDINGS · ILLUSTRATIVE● MONEY VIEW READY
TOTAL COMPANY MONEY€2.84m
Keep available€1.64m
Bills & commitments€418k
Available to grow€620k
Other assets€162k
CASH BUFFER9.2 mo
BILLS & COMMITMENTS€418k
AVAILABLE TO GROW€620k
02PROTECTKEEP ENOUGH FOR THE BUSINESS
Know what money
the business must keep.
A bill arrives. Before paying it, Billz checks how much cash the company needs to keep and compares the ways to fund the payment.
€180k
Supplier bill due in 6 days
The company also wants to keep at least 8 months of operating cash available.
€180K DUE IN 6 DAYS. Cash can pay it — but cash may be the wrong capital to use.
Compare 4 ways to fund the bill
Use cash, sell assets, borrow against treasury, or combine sources.
7.9 mo
Paying only with cash leaves too little buffer
The payment would leave 7.9 months of cash buffer — below the illustrative 8-month target.
ILLUSTRATIVE DECISION€180k has to be paid. Billz compares where that €180k should come from.
Compare the 4 ways to fund the €180k bill+
NEXT OBLIGATION
Supplier settlement
DUE IN 6 DAYS€180,000
IF PAID FROM CASH
Fastest option, but it leaves too little cash buffer.
Paying the full €180k from cash would leave 7.9 months of cash buffer, below the illustrative 8-month target.
- Cash buffer after payment
- 7.9 mo
- Assets sold
- €0
- Company approval
- Required
03GROWPUT AVAILABLE MONEY TO WORK
Put genuinely available treasury
to work.
After the business cash buffer and known bills are covered, Billz shows exactly how much money is available to put to work and compares where it could earn a return.
€620k
Money available to grow
This €620k is the part of the example treasury left after the company buffer and known commitments are covered.
€620K DEPLOYABLE. Current illustrative best fit: stablecoin lending · 5.9% net estimate.
Compare where the €620k can earn
Billz compares expected net return with liquidity, fees and risk instead of simply picking the highest rate.
5.9%
Example: 5.9% net estimate ranks first
In this example, stablecoin lending ranks ahead of higher-return alternatives because it keeps better liquidity with lower concentration risk.
ILLUSTRATIVE OPPORTUNITY SET€620k is the money Billz is evaluating for return in this example.
Compare the example return opportunities+
ROUTEEST. NET RETURNLIQUIDITYRISKBILLZ FIT
Stablecoin lending5.9%HighLow–Med
Onchain lending7.1%Med–HighMedium
Liquidity strategy8.4%MediumMed–High
Cash equivalent4.1%Very highLow
04ACTCHOOSE THE MOVE · KEEP CONTROL
Turn the decision
into a controlled action.
Once a route is chosen, Billz prepares the action, checks the company rules, asks for approval and records what actually happened.
Chosen move + company rules
READY FOR APPROVAL. The route is prepared. The company approves. Evidence comes back into Billz.
Prepare the action and check the rules
Billz does not silently move money: company approval stays explicit before execution.
READY FOR APPROVAL
The company knows what will happen before it happens
After execution, Billz checks the result and updates the company money view so the next decision starts from reality.
CONTROLLED LOOPChoose → approve → execute → confirm the result → update the company view.
See the approval and confirmation flow+
OBSERVE
The Financial State moves first.
Billz re-evaluates the decision context as balances, obligations and evidence arrive.
ASK BILLZ
ORB / BILLZ INTELLIGENCE
Ask the Orb what Billz does —
or why a treasury decision makes sense.
The Orb is the shortest path into Billz. Ask about protected liquidity, deployable capital, payments, borrowing, growth, Financial Policy, execution or current product scope. On this website the answers are curated and deterministic — no generative model call.
I NEED YOU. Billz can prepare the next move. Company approval stays explicit.
PRODUCTWhat Billz is
TREASURYWhat is protected
GROWTHWhat can be deployed
CONTROLHow actions are governed
● BILLZ AGENTFINANCIAL STATE CONTEXT
YOU
Why can’t I deploy €900k?
BILLZ
Because €1.64m is currently protected and €418k is committed to captured obligations. Deploying €900k would push the illustrative liquidity buffer below the modelled company floor. Current deployable capital is €620k.
Evidence: Financial State · obligations · policyHuman approval boundary
THE BOUNDARY
CONTROL
More intelligence.
Same company control.
Company policy, permissions, approvals, hard gates, revalidation and evidence stay explicit as Billz becomes more capable.
POLICY
Define the financial mandate.
Minimum liquidity8 months
Max single-route allocation25%
Approval threshold€50k
Autonomous executionOFF
APPROVALS
Keep humans at the right boundary.
✓
AnalysisBillz prepares context
✓
RecommendationAdmissible action surfaced
3
Company approvalRequired before execution
4
Execution + proofGoverned workflow
EVIDENCE
Every important decision leaves proof.
Financial State recomputedEvidence current
Funding recommendation preparedHuman review required
Policy check passedDeterministic controls
HOW BILLZ CONNECTSDATA IN · ACTIONS OUT
Banks and wallets in.
Payments, borrowing and markets out.
Billz connects to where company money and bills are recorded, then uses payment, borrowing and market providers when the company approves an action.
01UnderstandAccounts, wallets, bills
02Protect + GrowKeep enough + compare returns
03ActApprove + execute + confirm
See the technical infrastructure map+
LIVE FINANCIAL SYSTEM
INPUTS → BILLZ DECISION LAYER → EXECUTION
FINANCIAL INPUTS
BILLZ OPERATING CORE
POLICY-AWARE
BILLZ
Financial OS
One state. One decision layer. Many rails.
01UNDERSTANDOne company money viewLIVE
02PROTECTCash buffer + company rulesPASS
03GROWCompare return opportunitiesRANKED
04ACTPrepare + approve + confirmHUMAN
THE COMPANY APPROVES BEFORE MONEY MOVES
EXECUTION RAILS
INPUT
Banks feed the Financial State.
INGESTING
Balances and operating liquidity become context for the next company decision.
FINANCIAL STATE LIVE
POLICY WITHIN MANDATE
APPROVAL COMPANY CONTROLLED
WHO BILLZ IS FOREARLY ACCESS FOCUS
For companies managing
cash, stablecoins and real obligations.
Early access is focused on companies and organisations managing cash plus stablecoins or digital assets, with real bills, payroll or other obligations across disconnected tools.
Cash + treasury assetsMoney spread across different places
Wallets + stablecoinsDigital treasury alongside company cash
Real bills to paySuppliers, payroll, tax and commitments
Company controlsCash buffer, approvals and risk limits
EARLY ACCESSVALIDATION
Bring us a real treasury workflow.
See what Billz can make clearer.
Billz is in early access. We want to test one simple promise against real company situations: see all company money, keep enough for the business, put available money to work, and make the next move with control.
EARLY ACCESS
Test Billz on a real treasury situation.
Show us where the money is, what the company has to pay, and what decisions you are trying to make.
- One view of company money
- What must stay available
- What can earn a return
- Ways to pay, borrow or invest
WORKFLOWS
Operate
Funding decisions, approvals and prepared financial workflows as capabilities become available.
- Funding analysis
- Company approvals
- Evidence & reconciliation
ADVANCED
Company controls
Organisation-specific policy, permissions and governance for more complex treasury operations.
- Policy framework
- Permissions & approvals
- DAO / complex governance support
BILLZ
See all company money.
Know what to keep, grow and do next.
Billz brings the company financial picture together, shows what can safely be put to work, compares the next options, and keeps approval with the company.