# AI Agents: The Future of Bookkeeping Starts Here.

## Grow smarter with AI Treasury

Zeni Treasury [I](/content/product/treasury#disclosure/index.html) puts your idle cash to work, earning up to 3.90% APY [II](/content/product/treasury#disclosure/index.html) with zero friction, no minimum and full access anytime.

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## Your cash deserves better

With Zeni Treasury [I](/content/product/treasury#disclosure/index.html), every dollar earns more, maximizing your yield, without sacrificing flexibility.

##### Competitive high yield

Earn up to 3.90% APY [II](/content/product/treasury#disclosure/index.html) — 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](/content/product/treasury#disclosure/index.html) 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](/content/product/treasury#disclosure/index.html), 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.