AI Agents: The Future of Bookkeeping Starts Here.

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.

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.

Withdraw anytime

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

Get started with any balance

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

Managed with top-tier partners

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

One dashboard for all your finances

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

FAQs

Treasury

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.