01Vault / Accounts
Accounts
Unlimited operating and sub-accounts per entity, each with its own routing details and statements.
- Currencies
- 11
- Sub-accounts
- Unlimited
- Opening time
- 1 business day
New Treasury sweeps into T-bills, daily
Money thatholds itsline.
Operating accounts, corporate cards, global payments and treasury — one ledger, eleven currencies, zero spreadsheets. Built for companies from seed to IPO.
Approved in 1 business day · FDIC pass-through to $125M per entity
Operating · USD Live
$4,812,390.22
- Atlas RoboticsInvoice 4470 · Wire+$120,000.00
- Ramp Lease Co.Rent · ACH−$28,500.00
- Parcel & CoInvoice 4468 · RTP+$7,310.50
- $38.2B
- settled, trailing 12 months
- 41,000+
- companies banking
- 99.998%
- platform uptime
- 11
- settlement currencies
Finance teams that moved their operating cash to Vault
- Northwind
- HALCYON
- lumen bio
- Kestrel
- PARCEL&CO
- Atlas Robotics
- ouro
02 — Platform
One screen for
every dollar.
- 01
Every balance, one number.
Operating, payroll, tax and reserve accounts roll up across 11 currencies — converted at the mid-market rate, refreshed on every settlement.
- 02
Cash flow you can read.
Inflows and outflows by week, with runway projected from the last 90 days of actuals — not last quarter’s board deck.
- 03
Cards with a conscience.
Issue virtual cards in seconds. Lock each one to a vendor, a category or a monthly ceiling, and freeze it from Slack.
- 04
Payments that wait for two.
Every wire over $50,000 routes for dual approval with a hardware key. Everything else clears same-day on ACH, RTP or SWIFT.
app.vault.co/overview
Kestrel AerospaceOverviewAccountsCardsPaymentsTreasuryLedger
Total cash · 11 currencies$12,904,118.40▲ 2.4% vs. 30 days
Operating 54%Treasury 21%Payroll 15%Reserve 10%
Cash flow · last 12 weeksRunway 31 mo · at current burn
Virtual
•••• •••• •••• 3391Cloud infra$18,240 / $25,000
Recent activity
Oct 29Halcyon HealthWire in+$62,250.00
Oct 29AWSCard ••3391−$2,316.48
Oct 28Gusto PayrollACH out−$41,880.12
Oct 28Northwind FreightRTP in+$18,400.00
Awaiting approval2 wires$184,000 · SWIFT · EUR
ReviewApprove with key
03 — Capabilities
Six instruments. One ledger.
02Vault / Corporate cards
Corporate cards
Physical and virtual cards with limits per merchant, category, team or geography — enforced at authorization.
- Issue time
- < 4 seconds
- Cashback
- 1.75% flat
- Networks
- Visa Signature
03Vault / Global payments
Global payments
ACH, RTP, FedNow, SEPA, Faster Payments and SWIFT from one form. FX at mid-market plus 0.25%.
- Rails
- 6
- Same-day wires
- 94%
- FX spread
- 0.25%
04Vault / Treasury
Treasury
Sweep idle cash into US T-bills and government money-market funds daily, with same-day liquidity back to operating.
- Yield, 7-day
- 4.12%
- Liquidity
- Same day
- Minimum
- $0
05Vault / Spend controls
Spend controls
Policies written once, enforced everywhere: approval chains by amount, receipts required over $75, auto-freeze on anomalies.
- Policy rules
- Unlimited
- Receipt match
- Auto · 96%
- Freeze
- From Slack
06Vault / Ledger & sync
Ledger & sync
A double-entry ledger your auditor can read. Pushes coded transactions to NetSuite, Xero or QuickBooks every hour.
- Sync
- Hourly
- Close time
- −62%
- Exports
- CSV · API · SFTP
04 — In numbers
Measured, not marketed.
(a)$38.2B
Settled through Vault in the last twelve months.
(b)41,000+
Companies run payroll, payables and cards on Vault.
(c)99.998%
Platform uptime across all payment rails, trailing year.
(d)19 hrs
Median time from term-sheet wire to cash in T-bills.
Figures as of September 30, 2026. Treasury yield is variable and shown net of fees.
05 — Security
Paranoid by
default.
01
Dual control
Wires above a threshold you set require two approvers and a FIDO2 hardware key. No exceptions for admins.
02
Partner banks
Deposits are held at Harbor State Bank and Meridian Trust, Members FDIC, and swept across 14 program banks.
03
Audit trail
Every login, permission change and payment is signed, timestamped and retained for seven years.
- SOC 1 Type II
- SOC 2 Type II
- PCI DSS Level 1
- ISO/IEC 27001
- ISO/IEC 27701
- GDPR
- CCPA
- FDIC pass-through
- AES-256 at rest
- TLS 1.3
- FIDO2 keys
- Annual pen-test
06 — Customer
“We closed our Series B on a Tuesday. By Wednesday morning the wire had cleared, payroll was funded for 24 months and the rest was earning in T-bills. Nobody opened a spreadsheet.”
Maren OkaforCFO, Kestrel Aerospace · 212 employees- 19 hrs
- wire to treasury
- 100%
- card spend auto-coded
- 62 hrs
- saved every month-end
07 — Pricing
Priced like a utility.
Billing period
Launch
For pre-seed and bootstrapped teams.
$0/ mo
Free forever
Open account- 1 operating account
- 5 corporate cards
- ACH, RTP and domestic wires
- FDIC pass-through to $5M
Scale
Most chosenFor Series A through C.
$239/ mo
Billed annually
Start 30-day trial- Unlimited accounts and sub-ledgers
- Unlimited cards with policy engine
- SWIFT, SEPA, FedNow, Faster Payments
- Daily treasury sweeps to T-bills
- NetSuite, Xero and QuickBooks sync
Enterprise
For public companies and regulated entities.
$1,440/ mo
Billed annually
Talk to sales- Dedicated banking partner
- Custom approval chains and SSO/SCIM
- Quarterly compliance review
- 99.99% uptime SLA
08 — FAQ
Fine print, in large print.
No. Vault is a financial technology company. Banking services are provided by Harbor State Bank and Meridian Trust, Members FDIC. Deposits are eligible for FDIC pass-through insurance up to $125M per entity through our program-bank network.
Most companies are approved within one business day. You’ll need your EIN, formation documents and ID for each beneficial owner with 25% or more. Account and routing numbers are issued the moment you’re approved.
Yes. Many customers start by moving payables and cards, then migrate payroll once their first close on Vault is done. You can link external accounts for transfers and view their balances alongside Vault.
Set a target operating balance. Each night, cash above it sweeps into a portfolio of US Treasury bills and government money-market funds. Need it back? Redemptions settle to operating the same business day.
NetSuite, Xero, QuickBooks Online and Sage Intacct, with hourly sync of coded transactions, receipts and memos. Everything is also available through our REST API and daily SFTP exports.
Your funds are held at our partner banks in accounts titled for your benefit, not on Vault’s balance sheet. In a wind-down, partner banks return deposits directly to you.
09 — Begin
Start operating.
Ten minutes to apply. One business day to approval. No minimums, no monthly fees on Launch.