Grow smarter with AI Treasury

Zeni Treasury^I puts your idle cash to work, earning up to 3.90% APY^II with zero friction, no minimum and full access anytime.

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Your cash deserves better

With Zeni Treasury^I, every dollar earns more, maximizing your yield, without sacrificing flexibility.

Competitive
high yield

Earn up to 3.90% APY^II — a smarter way to grow your funds

Always
accessible

Move funds in and out instantly, with zero lockups or penalties.

No
barriers

No hidden costs. No minimums. No high-balance requirements.

Treasury, upgraded

Your business needs more than just a checking account. Zeni Treasury gives you higher yields and full flexibility, no compromises.

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Built for modern businesses

Zeni Treasury^I is designed to maximize your returns while keeping your funds accessible and secure.

Yield that leads

Earn more than competitors

With up to 3.90% APY^II, Zeni Treasury helps your cash work harder than traditional options.

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No strings

Withdraw anytime

Your funds stay flexible, easy to move, easy to manage, and never locked away.

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No minimums

Get started with any balance

Whether you have $1 or $1M, Treasury is open to every Zeni customer.

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Backed by experts

Managed with top-tier partners

Invest confidently with money market funds designed for safety and liquidity.

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Seamless with Zeni

One dashboard for all your finances

Track Treasury, checking, cards, and bookkeeping in a single view—powered by your AI finance team.

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FAQs

What is Zeni Treasury?

Zeni Treasury is a high-yield cash management account that helps businesses earn more on their idle funds. Your cash is invested in secure money market funds—earning up to 3.90% APY—with no minimums, no lockups, and full liquidity.

How does Zeni Treasury earn yield?

Your funds are invested in diversified money market funds through our SEC-registered partner, Atomic Invest LLC. These funds typically invest in short-term, low-risk instruments such as U.S. Treasuries and high-quality commercial paper.

Can I access my money anytime?

Absolutely. There are no lockups or withdrawal penalties. You can move funds in or out of your Treasury account through your Zeni dashboard.

Do I need a minimum balance to open a Treasury account?

No minimums required. Whether you have $1 or $1 million, you can start earning yield immediately.

Are there any fees?

There are no account minimums, hidden fees, or transaction costs. Zeni may receive a small portion of assets under management (up to 0.85%) from our partner Atomic Invest—see our full disclosures for details.

How is Zeni Treasury different from a business checking or savings account?

Unlike traditional bank accounts, Zeni Treasury is an investment account that earns a higher yield by allocating idle cash into money market funds, while still allowing full access and liquidity.

How do I open a Treasury account?

If you’re already a Zeni customer, you can open your Treasury account directly from your dashboard. New customers can sign up in minutes—no paperwork or minimum deposit required.

Will opening a Treasury account affect my bookkeeping or tax reporting?

No. Your Zeni AI finance team automatically tracks your Treasury transactions alongside your checking, credit, and bookkeeping data for seamless reporting and reconciliation.

Who manages my Treasury investments?

Zeni partners with Atomic Invest LLC, an SEC-registered Investment Adviser, to manage Treasury accounts. You retain full control and visibility through your Zeni dashboard.

Treasury

What types of companies does Zeni work with?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

Is the Zeni Dashboard available to all customers?

What does the Zeni onboarding process entail?

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What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

What integrations does Zeni support?

What types of companies does Zeni work with?

Is the Zeni Dashboard available to all customers?

What does the Zeni onboarding process entail?

What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

What integrations does Zeni support?

What types of companies does Zeni work with?

Is the Zeni Dashboard available to all customers?

What does the Zeni onboarding process entail?

What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

What integrations does Zeni support?

I. Zeni Inc. has an engagement with Atomic Brokerage Atomic Brokerage, a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of Zeni Inc. are provided by Atomic Brokerage. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background of Atomic Brokerage on FINRA’s BrokerCheck. Fees such as regulatory fees, transaction fees, fund expenses, brokerage commissions and services fees may apply to your brokerage account. None of Zeni Inc., Atomic Brokerage, or any of their affiliates, are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Advisory services are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of their Zeni Treasury account. Custodial and clearing services for Zeni Treasury accounts are provided by Thread Bank, Member FDIC.. Technology services may be provided by AtomicVest, Inc.

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II. Annual percentage yields on your account are subject to change based on market conditions.

Made with ❤️ in California

Grow smarter with AI Treasury

Your cash deserves better

Competitive high yield

Alwaysaccessible

Nobarriers

Treasury, upgraded

Built for modern businesses

Earn more than competitors

Withdraw anytime

Get started with any balance

Managed with top-tier partners

One dashboard for all your finances

FAQs

Competitive
high yield

Always
accessible

No
barriers