AI-POWERED TREASURY OPERATING SYSTEM

Make your
treasury work.

See your cash. Protect what you need. Put the rest to work.

Built for modern finance teams managing company treasury across accounts, currencies and digital assets. Billz brings visibility, AI-powered analysis, payments and capital workflows into one operating system — helping teams understand what is safe, what is deployable and what to do next.

See how Billz works
01SEEONE TREASURY VIEW
02UNDERSTANDAI ANALYSIS + RECOMMENDATIONS
03MOVEPAYMENTS · WORKING
04GROWDEPLOY CAPITAL · WORKING
BILLZ CAPITAL ENGINE / INTERACTIVE MODEL
BILLZ CAPITAL ENGINE
DEPLOYOPERATELIQUIDITYOPTIMIZEFORECAST
BALANCED POLICYILLUSTRATIVE CAPITAL DEPLOYED€312kSTARTING CAPITAL
+€22.5k est. gain · 7.2% p.a.
EST. VALUE AFTER 12 MONTHS€334.5k
TOTAL TREASURY€1.24m
AI ANALYSIS · LIVE · EARLY
Starting capital€312k
Illustrative yield*7.2%
Est. 12m gain+€22.5k
Est. after 12m€334.5k

Balanced policy · €312k illustrative deployment → +€22.5k estimated 12m gain → €334.5k estimated value · 8.5 mo liquidity buffer.

*Illustrative annualised scenario only. Estimated gain assumes the displayed rate over 12 months; actual yield varies and is not guaranteed.

SEEKnow where the money is.
UNDERSTANDKnow what can move.
MOVEMove money with treasury context.
GROWPut eligible capital to work.
THE BILLZ SYSTEM

One treasury.
One operating layer.

Traditional treasury is fragmented across banks, spreadsheets, payment tools and investment platforms. Billz brings the decision layer together.

SEE

Know where your money is.

Bring balances, currencies and treasury positions into one clear operating view.

ONE TREASURY VIEW
UNDERSTAND

Know what you can actually use.

Analyse liquidity, protect operating reserves and identify potentially deployable capital.

AI ANALYSIS · LIVE · EARLY
MOVE

Move money with context.

Connect treasury decisions to payment workflows across supported rails.

SEPA + ACH · WORKING
GROW

Put idle capital to work.

Deploy eligible treasury capital while keeping liquidity requirements visible.

DEPLOYABLE · WORKING / YIELD · INCOMPLETE
INTELLIGENCE

From fragmented cash
to a decision-ready treasury.

Billz analyses treasury positions, liquidity requirements and available capital to surface the decisions that matter.

EUR€684kBalance
USD$406kBalance
USDC€132kBalance
BILLZAnalyseTreasury mapped
Deployable range€280k–€330k
Illustrative scenarioModelled range
Operating reserve€760kProtected
Est. yield5.9%Illustrative
Liquidity buffer8.5 moPolicy target
ILLUSTRATIVE TREASURY SCENARIO · NOT CUSTOMER PERFORMANCE
PAYMENTS

Insight is only useful
if you can act on it.

Move money from the same treasury context used to understand it. Billz connects treasury intelligence to payment workflows, so a decision can move from insight to a reviewable action without losing context.

ILLUSTRATIVE SEPA FLOWMove €120k without losing treasury context.

Billz keeps the source position, operating reserve and payment amount visible together before the route is reviewed.

PAYMENT INFRASTRUCTUREBridge
CONFIRMED PARTNER
ILLUSTRATIVE PAYMENT FLOWSEPA / EUR
WORKING
SOURCE TREASURY€684kOperating · EUR
BILLZ PAY€120kPrepared for review
BENEFICIARY€120kVendor · EUR
Before payment€684kSource position
Payment−€120kSEPA route
After payment€564kIllustrative position
Liquidity buffer8.5 moContext preserved
ROUTE READY FOR REVIEW
Treasury context attached

ILLUSTRATIVE WORKFLOW · VALUES ARE EXAMPLES, NOT CUSTOMER ACTIVITY · CURRENT SEPA / ACH CAPABILITIES ARE WORKING BUT EARLY

TREASURY GROWTH

Idle cash is a decision.
Decide what should work harder.

Model how much treasury capital could be put to work without losing sight of operating liquidity. Adjust the policy, allocation and horizon — Billz keeps the trade-off visible.

TREASURY ALLOCATION
ILLUSTRATIVE MODEL · INTERACTIVE CONTROLS
TREASURY POLICY MAP

Protect liquidity.
Allocate the rest deliberately.

TOTAL TREASURY€1.48m
CAPITAL STACK€890k protected · €420k max deployable
PROTECTED
COMMITTED
PUT TO WORK
AVAILABLE
Protected reserveCommitted / unavailableSelected allocationRemaining deployable
SELECTED ALLOCATION
€340k
81% of capital available under current policy
81%OF MAX DEPLOYABLE
Max under policy€420k
MODELLED OUTCOMEAFTER 12 MONTHS
€365.8k
+€25.8killustrative gain on selected capital
START€340k
EST. YIELD P.A.7.6%
BUFFER9 mo
MODEL HORIZON
ALLOCATION MODEL ACTIVE · VALUES UPDATE AS YOU CHANGE THE CONTROLS

ILLUSTRATIVE MODEL ONLY · ESTIMATED YIELD IS VARIABLE AND NOT GUARANTEED · DOES NOT REPRESENT CLIENT PERFORMANCE · TREASURY YIELD WORKFLOWS ARE WORKING BUT INCOMPLETE

CAPITAL EFFICIENCY

Keep the treasury.
Unlock the liquidity.

Billz can help companies access capital against eligible treasury assets and connect treasury-backed liquidity to operating needs — without requiring an immediate sale of the underlying position.

CAPITAL EFFICIENCY
UNLOCK LIQUIDITY
TREASURY ASSETS€420kIllustrative eligible collateral
100% underlying position retained
ILLUSTRATIVE LTV65%POLICY GATE
LIQUIDITY UNLOCKED€273kIllustrative facility capacity
ASSETS SOLD€0in this illustrative route
TREASURY ASSETS MODELLED€420k
€200k€700k
ILLUSTRATIVE LTV65%
UNDERLYING TREASURY€420kposition retained
LIQUIDITY UNLOCKED€273killustrative capacity
TREASURY SOLD€0no immediate sale modelled
AI AUTONOMY

From intelligence
to execution.

Billz starts by analysing and recommending. Over time, the same decision layer can prepare, execute and optimise treasury actions under company-defined controls.

TODAYAnalyse + Recommend · LIVE · EARLY
AUTONOMY MODELProgressive treasury autonomy
LIVE · EARLY
HUMAN-LEDPOLICY-CONTROLLED AUTONOMY
LIVE · EARLY

Understand what is happening.

Billz analyses treasury positions, liquidity requirements and available capital to build a decision-ready view.

Reads treasury signalsMaps liquidity requirementsSurfaces deployable capital
WHO DECIDES?HUMANBillz provides analysis
Human approval remains in control
CONTROL MODEL
Billz roleAnalyse
Company roleDecide
ExecutionHuman-led
Stage statusLIVE · EARLY
LIVE TODAYAnalyse → RecommendPRODUCT DIRECTIONPrepare → Execute → Optimise
INFRASTRUCTURE

One operating layer.
Specialist rails underneath.

Billz brings specialist payment and onchain infrastructure behind one treasury experience — keeping the complexity underneath while the operating layer stays coherent.

Specialist rails, orchestrated through one Billz layer
INFRASTRUCTURE MAPBillz orchestration layer
SELECTEDBRIDGE
B
BILLZORCHESTRATEOne treasury layer
SELECT A NODE TO INSPECT THE LAYER
STATUS KEY
Confirmed / working
Working · incomplete
Not live
Click a node — the map reflects current Billz product status.
DECISION WORKFLOW

Turn treasury signals
into a clear next move.

Billz is designed to reduce decision friction: surface what matters, explain the recommendation, keep the control context visible and make the next step reviewable.

TREASURY SIGNALDECISION INPUT

A meaningful treasury change should not disappear inside a dashboard.

Billz brings the signal forward and connects it to the treasury context needed to understand what it means.

TREASURY SIGNAL
Potential deployable capital has moved into a range worth reviewing.
Deployable range€280k–€330k
Operating reserve€760k
Liquidity context8.5 mo
Illustrative treasury scenario · values are not customer results.

Illustrative website workflow. AI analysis and recommendations are live in early form; more advanced preparation and autonomous execution remain on the product path / long-term vision.

PRODUCT AVAILABILITY

Built progressively.
Clearly labelled.

See which Billz capabilities are available today, which are working but still expanding, which rely on confirmed infrastructure, and which remain future product direction.

PRODUCT AVAILABILITY
CURRENT CAPABILITY VIEW · UPDATED 31 AUG 2026
LIVE · EARLY CAPABILITIES
LIVE · EARLY

AI Treasury Analysis

Analyse treasury data and surface decision context.

01
LIVE · EARLY

AI Recommendations

Generate treasury recommendations and decision support.

02
LIVE · EARLY

Borrow Against Treasury Assets

Access liquidity against eligible treasury assets.

03
LIVE · EARLY

Spend Without Selling

Use treasury-backed liquidity for operating spend.

04
BILLZ / TREASURY OPERATING SYSTEM

Make your treasury
work.

Bring visibility, intelligence, payments and capital workflows into one operating layer — and make better treasury decisions from the same system.

Review how Billz works
Built progressively. Product states are shown transparently across the site.
BILLZ OSSEEOne treasury viewTREASURY VISIBILITY
Visibility across treasury positions
SEEUNDERSTANDMOVEGROW