Treasury
Put your idle
business cash to work
Decal Treasury earns interest on settled payments and prepaid customer balances while they wait to become rent, supplies, or payroll. No lockups to commit to and nothing to manage.*
Treasury overview
$8,214.60
Available balance · earning
Rewards coverage 100%
Package bonuses funded by yield · net cost $0.00
How it works
From idle cash to interest
in three steps
- 1
Get paid with Decal
Settled payments and prepaid customer balances land in your Decal balance.
- 2
Send idle cash to Treasury
Move funds in one step, starting at $1, or turn on automatic deposits.
- 3
Earn and withdraw
Watch your earnings in your dashboard and send money back to your balance when you need it.
Rates
Up to 8%*
on your idle balance. Rates vary with market conditions.
* 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. See disclosures
Access and automation
Earning without the upkeep
Instant access or a higher rate
Choose how quickly you want your money back. Either way, there are no extended lockups or minimum holding periods.
Basic
Funds move back to your balance instantly.
Pro
A higher rate, with about a 24-hour unlock before funds move back.
Bank payouts when you want them
Pay out from your balance to your bank account at any time.
Overview
$168,970.25
$157,142.35
$11,827.90
Automatic deposits
$6,214.60 sent to Treasury
System · Today
Turn it on once
Automatic deposits sweep idle cash into Treasury on a recurring schedule, so your balance keeps earning without you moving money by hand.*
Keep an operating buffer
Choose how much cash stays on hand. Only the to earn.
Pick your tier
Automatic deposits go to the tier you choose.
Always visible
Every automatic deposit shows in your activity, labeled as the system.
Features
A treasury account without the finance team
One number to watch
See what you've earned on the Finances overview section in your dashboard.
No extended lockups
Withdraw instantly on Basic, or after about 24 hours on Pro.
Automatic deposits
Idle cash above your buffer moves to Treasury on a schedule. Off until you turn it on.
An operating buffer
Keep enough cash on hand for immediate expenses and let the rest earn.
Rewards that pay for themselves
Interest on prepaid balances can cover the bonuses you give customers for topping up.*
Held in US dollars
Balances are held in US dollar stablecoins such as USDC and PYUSD.
Who it's for
Built for businesses that want more from every dollar
Studios and gyms
Prepaid class packs sit in your balance for weeks. Let them earn meanwhile.
Salons and spas
Prepaid services and gift balances earn until clients redeem them.
Cafes and restaurants
Put the week's takings to work until rent and suppliers are due.
Retail shops
Cash set aside for inventory keeps earning between orders.
Seasonal businesses
Busy-season cash keeps earning through the quiet months.
Solo owners
No finance team or spreadsheets. Turn it on and check one number.
FAQ
Frequently asked questions
What is Decal Treasury?
Decal Treasury is a business balance that automatically earns interest on the money you hold in Decal - settled payments and customers' prepaid balances - while it waits to be spent on rent, supplies, or payroll. There are no extended lockups and nothing to manage; you turn it on once and watch one number. 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.
How much interest does Decal Treasury earn?
Decal Treasury currently earns up to 8% on balances. Rates vary with market conditions. 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.
Where does the yield come from?
Balances are held in USD stablecoins and deployed into short-duration, dollar-denominated blockchain-based lending and treasury-backed strategies. 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.
Can I withdraw from Decal Treasury at any time?
Yes. There are no extended lockups or minimum holding periods. Payouts to your bank account arrive on normal banking timelines (typically 1-2 business days). 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.
Is my money safe in Decal Treasury?
Decal is a financial technology company, not a bank, and funds are not FDIC-insured. Balances are held in regulated, fully-reserved US dollar stablecoins such as USDC and PYUSD. Yield is produced through managed strategies and is not guaranteed.
Decal's blockchain wallet infrastructure partner features enterprise-grade security and the industry's best safety standards. Furthermore, merchant funds are segregated from Decal's operating funds. 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.
Grow your business. Get paid.
Earn on what you keep.
Built for people running lean businesses. And priced for them, too.