Lombard-Style Treasury Payments

Pay real-world expenses without selling your crypto.

Billz helps operators and teams unlock liquidity against crypto, stablecoins, and DeFi positions, then use that capital to pay invoices, suppliers, payroll, rent, and operating expenses — while idle treasury can still be deployed into yield-generating vaults.

Launch App
Solana-native · Liquidity against positions · Real-world payments · Idle treasury vaults
Collateral held
$2.41M
Core crypto, stablecoins, and DeFi positions kept in place
Unlocked liquidity
$184K
Capital available for invoices, suppliers, payroll, rent, and ops
Idle treasury
Up to 10%
Variable APY available through Billz vault strategies
Treasury Balance
$2,418,340
Solana mainnet · Now
USDC
$1,840,200
USDT
$412,800
SOL
$165,340
Collateral held
$2,41M
Stablecoins and DeFi positions used as collateral.
Unlocked liquidity
$184K
Capital unlocked from your holdings, ready to spend.
Idle treasury
Potential APY on idle treasury via variable yield strategies.
Up to 10%
Productive treasury without forcing asset sales.
Idle Treasury
$184,200 · Billz Vaults
Generating variable yield with up to 10% APY
01

Hold

Crypto, stablecoins, and DeFi positions stay on your side

02

Unlock

Mobilize liquidity against holdings without forcing a sale

03

Spend

Use that capital for invoices, suppliers, payroll, rent, and operating expenses

04

Optimize

Route idle treasury into vault strategies for variable APY

Liquidity-Powered Bill Pay

Unlock capital, then pay what matters.

Billz turns crypto treasury and DeFi exposure into usable payment power. Route invoices and vendor payouts from unlocked liquidity, keep oversight for teams, and move between Solana-native assets and fiat rails without reducing your core exposure more than necessary.

Spend from treasury

Upload, queue, and execute real-world payments from usable onchain capital.

Controls for teams

Internal approval layers, limits, and oversight when multiple operators are involved.

Fiat & crypto execution

Settle in the rails recipients need, from stablecoins to real-world payout flows.

Billz Pay

Queued Payments

NL
Node Labs
Supplier invoice
$18,200
Mar 25
SD
Solace Design
Contractor invoice
$9,800
Mar 28
Controls

Team Oversight

NL
Node Labs
Spend request · #2847
$18,200
ZK
ZK Ventures
Treasury check · #2839
$42,000
Treasury, Vaults & Capital Efficiency

See what you hold, what can be mobilized, and what can keep earning.

Billz gives you visibility across crypto holdings, stablecoins, and DeFi positions so you can separate collateral, usable liquidity, and idle treasury. That means clearer operating decisions, smarter capital deployment, and yield on funds that would otherwise sit dormant.

USDC
$1,840,200
76.1%
USDT
$412,800
17.1%
SOL
$165,340
6.8%
Collateral-aware visibility across wallets and positions
Usable liquidity separated from long-term exposure
Idle treasury allocation into vault strategies with variable APY
Onchain reporting and payment history exportable anytime
Vaults

Idle treasury allocation

Operating cash
Reserved for near-term payments
$184K
Ready to spend
Vault allocation
Unused treasury routed to productive strategies
$612K
Variable APY up to 10%
Exposure retained
Core positions remain held instead of sold
$1.61M
Collateral & long-term positions
Capital efficiency model
Spend what is needed, keep the rest productive
Vaults live
app.billz.io · Treasury

Treasury Overview

Collateral
$2.41M
Exposure preserved
Unlocked
$184K
Available to spend
In vaults
$612K
Variable APY live
Idle treasury allocated to Billz vault strategies
Up to 10% APY
Use CaseAmountStatus
P
Payroll
$24,500Paid
S
Suppliers
$18,200Queued
R
Rent
$9,800Scheduled
Liquidity-Powered Bill Pay

Pay without spending.
Collateral in. Real payments out.

Billz turns holdings into a capital stack: keep positions as collateral, unlock spending power for real expenses, and route unused treasury into Billz vaults targeting variable APY.

Idle treasury allocation
Collateral preserved $2.41M
Payment liquidity $184K
Exposure retained $612K
Hold

Keep core exposure in place

Billz starts from the fact that you already hold crypto, stablecoins, or DeFi positions you do not want to unwind just to cover operating spend.

Unlock

Lombard-style liquidity for expenses

Mobilize capital against holdings, then route that liquidity toward suppliers, payroll, rent, invoices, and day-to-day treasury needs.

Spend

Use that liquidity in the real world

Route invoices and vendor payouts from unlocked liquidity instead of reducing core exposure more than necessary.

Optimize

Put idle treasury to work

Unused funds can move into vault strategies to target variable APY instead of remaining dormant while the operating layer keeps moving.

Billz is designed to reduce unnecessary sales and preserve exposure. Tax treatment depends on jurisdiction, and yield / APY is variable by strategy and market conditions.
Why Billz

Built for operators who refuse unnecessary sales.

Billz sits between onchain treasury and real-world spending: preserve exposure, unlock usable liquidity, and keep idle capital productive.

01

Liquidity without forced liquidation.

Use a Lombard-style logic to mobilize capital against crypto and DeFi positions instead of selling core holdings every time an expense shows up.

02

Real-world execution from onchain treasury.

Invoices, suppliers, payroll, contractors, rent, and operating costs can be handled from one operational layer tied back to treasury reality.

03

Idle treasury that does more.

Funds not needed immediately can be allocated into vault strategies for variable APY, improving capital efficiency instead of sitting dormant.

04

Controls and visibility, when teams need them.

Approvals, permissions, reporting, and auditability support operators and finance teams without becoming the only story the product tells.

Operate from your crypto treasury.

Request early access to Billz and see the Lombard-style payment flow in action.

No commitment. We'll reach out when your access is ready.