Treasury
We design and build the treasury and banking layer your business runs on, so you can store funds, move money, issue cards, and even offer accounts to your own customers, all from one platform you own.
Moving and managing money is no longer just a bank's job. More businesses want to hold funds, pay out, issue cards, and give their own customers accounts, without stitching together a dozen providers or waiting on legacy banking systems.
Off-the-shelf tools rarely fit how your business actually moves money. We build you a money-management platform designed around your flows, which you own and run, in the cloud or on your own infrastructure.
Give your business a single account to store, move, and manage funds. Keep a working balance separate from your incoming payments, and put idle money to work instead of leaving it scattered across systems.
Hold your balance in a dedicated financial account, with payment proceeds able to settle straight into it.
Pay vendors, partners, or anyone else directly from your balance, through the platform or programmatically by API.
Issue virtual or physical cards to spend directly from your balance and keep expenses under control.
Build loan origination and financing features into your platform, connected to your own capital or lending partners.
Sync activity with the accounting tools your finance team already uses, so the books stay current without manual entry.
Fund your account and move money the way that fits each situation, with clear timing and full visibility.
Funds arrive on a clear schedule, from same-day options to a few business days depending on the method, with cutoff times and expected arrival dates shown up front.
Go beyond managing your own money. If your product needs it, we build the ability to open and manage accounts on behalf of your customers, so you can embed banking directly into what you offer.
Spin up accounts for your customers programmatically, with the permissions and controls your product needs.
Issue multiple account numbers that map to a single account, each with its own permissions and limits, instead of being stuck with one static number.
Everyday accounts with easy access to funds for deposits and withdrawals.
Extend deposit protection well beyond standard limits through sweep arrangements across partner banks, for customers who need extra peace of mind.
Hold and manage funds on behalf of others using virtual sub-accounts, for maximum flexibility in what you build.
Move money over the rails your business needs, all through one platform.
From modest balances to very high volumes, the platform is built to handle your growth without re-architecting.
Every transaction records automatically to a clear system of record, so you get full visibility and a reliable audit trail.
We build on FDIC-insured accounts through your bank partner, so funds held in the platform carry the deposit protection your customers expect.
Set permissions, limits, and approvals across accounts and account numbers, so money only moves the way you intend.
Grit Treasury shares a foundation with the rest of the Grit platform, including Grit Payments and Grit Billing, so the money you collect, bill, and hold stays connected instead of sitting in separate systems.
Balances, payouts, and transactions flow together with the rest of your Grit data, so finance always has a single, current picture.
Because treasury, payments, and billing share the same core, you skip the work of wiring separate providers together.
Add more Grit products over time and your money management extends naturally across them, so your systems get more connected as you scale rather than more fragmented.
Grit Treasury isn't a bank or a service we run for you. It's a money-management and banking platform we build and tailor to your business, which you then own and operate yourself, in the cloud or on your own infrastructure. It lets you store funds, move money, issue cards, and, if your product needs it, open and manage accounts for your own customers. Funds are held with FDIC-insured bank partners, and the platform connects to the systems you already use.
We build the money-movement logic around how your business operates. Your team funds accounts, sends and receives money, and manages transfers and payouts through the platform we deliver, across rails like ACH, wire, real-time payments, and checks.
Pricing is custom. Because we build each platform to fit your business, we scope the work to what you need and typically include ongoing support and maintenance. Tell us about your business and we'll put together a plan, timeline, and cost.
Tell us how your business holds and moves money, and we'll show you how we'd build a treasury platform around it, with a plan, timeline, and custom pricing.