Introducing Decal Treasury: Put Your Idle Cash to Work

Every merchant has it: cash sitting in an account, waiting to be spent on payroll, inventory, or rent. It might be the float from yesterday's sales. It might be customer balances preloaded into your loyalty program. Either way, it's just … sitting there.

Many companies have large corporate finance teams whose job is to make sure that money never sits idle. Most merchants don't have that luxury. Until now.

Meet Decal Treasury, a built-in product that automatically earns rewards on the stablecoin balances you already hold with Decal: your Stored Value float, your payments balances, anything that would otherwise be earning nothing.

No finance team, no spreadsheets. No need to monitor stablecoin yields – or even know what that phrase means.

A new revenue stream, hiding in plain sight

Every balance you hold in Decal is digital cash on stablecoin rails. That's already an upgrade over a traditional bank account: faster settlement, immediate payouts, no middlemen taking a cut.

Decal Treasury takes it a step further. The moment funds land in your Decal account, they start generating rewards, automatically.

For most merchants, this becomes a brand new line on the P&L – a real, recurring revenue stream that grows in lockstep with the cash you were already holding.

The fuel behind a loyalty program that pays for itself

Treasury rewards are also what makes Stored Value so powerful.

Traditional loyalty programs come out of your margin. Every $10 bonus credit, every points giveaway, every discount: that's money straight off your bottom line. The math gets ugly fast, which is why so many programs feel like a tax on the business rather than a growth engine.

Decal flips that math. When customers preload their Stored Value balance with you, that float starts earning Treasury rewards immediately. Those rewards are real revenue you wouldn't have had otherwise, and they're more than enough to fund the bonus credits and incentives you offer customers in return.

In other words: the yield on your customers' balances pays for the perks you give them for holding those balances. Your loyalty program funds itself, and your margin stays intact.

Why it works

We built Treasury so merchants of any size can access the same kind of yield strategies that, until recently, were reserved for institutions with full-time finance teams.

1. Yield on balances you already hold

Your payments float, your Stored Value pool, idle cash between settlements. All of it earns. You don't have to move funds to a new account or commit to a lockup. The money stays liquid and ready to spend.

2. Set it and forget it

Decal abstracts the complexity away and presents you with one simple number: how much you're earning.

3. Easily fund customer rewards

Use the yield however you want, or do what most merchants do: pour it back into richer Stored Value bonuses to keep customers coming back. Treasury turns yield into the cheapest, most reliable loyalty budget you'll ever have.

Money should work as hard as you do

Running a business is hard enough without leaving money on the table. Decal Treasury makes sure every dollar in your account is pulling its weight, quietly and continuously, without asking anything of you.

Turn it on once. Earn forever.

Decal is a financial technology company, not a bank. Yield generated through Decal Treasury is produced through managed strategies and is not guaranteed. Funds are not FDIC-insured.