Founders & startup treasuries
Run your company's money without handing anyone the keys
You raised in USDC, you pay contractors in USDC, and your runway sits in USDC. A custodial platform asks you to trust them with all of it — and history is not kind to that trade. A bare wallet keeps you safe but gives you none of the operations: no yield, no recurring payouts, no books.
SpendTheBits gives the treasury a bank-like operating layer while the keys never leave the founder's phone. Every automated action is an allowance you signed, scoped and revocable — not custody.
How it plays out
A week on SpendTheBits
- 1
Idle runway earns, spending stays instant
Park idle USDC in vetted on-chain vaults (Aave v3, and ERC-4626 venues like Morpho and Sky) with a 0–100 Yield Safety Score guiding where it goes. When a payment needs more than your liquid balance, the app unwinds exactly the shortfall just-in-time — the treasury earns until the second each dollar leaves.
- 2
A circuit breaker watches the vaults
Treasury Auto-Defense monitors the safety score around the clock. On a breach it can exit the position back to liquid USDC in your own wallet and alert you — the automation is cryptographically limited to withdraw-to-you-only, so even a full server compromise could not send funds anywhere else.
- 3
Vendors and salaries pay themselves
Programmable Autopay turns retainers and subscriptions into one signature for the whole schedule, capped and revocable. Money Streams handle salary continuously — pay accrues per second and your team claims whenever they like, while the unclaimed float keeps earning.
- 4
Spend policy, enforced by the wallet
Guardrails give the treasury bank-grade controls: per-transaction and daily caps, recipient allowlists, quiet hours, and a cooldown on brand-new recipients. A compromised laptop can't drain what policy won't sign.
- 5
Board-ready books, without a bookkeeper
CFO Books turns the public ledger into FIFO/HIFO cost-basis lots, realized and unrealized P&L, a treasury statement, and a general-journal CSV that drops straight into QuickBooks or Xero. An automatic tax reserve ring-fences taxable inflows so quarter-end is never a surprise.
The features doing the work
Questions & answers
Founders & startup treasuries: common questions
Can my company earn yield on USDC without giving up custody?+
Yes. SpendTheBits deposits idle USDC into vetted on-chain vaults from your own wallet — the position is held by your keys, not by us. Withdrawals are signed on your device, automation is scoped to withdraw-to-you-only, and the fee is a small share of the yield earned, never your principal.
How do we handle bookkeeping and taxes for on-chain activity?+
CFO Books computes FIFO or HIFO cost-basis lots, realized and unrealized P&L, and exports a general-journal CSV for QuickBooks or Xero. An auto tax-reserve can set aside a share of taxable inflows into a savings goal automatically.
What stops an employee or attacker from draining the treasury?+
The keys live only on the owner's device behind biometrics, and Guardrails add per-transaction caps, daily limits, recipient allowlists, and quiet hours enforced before anything is signed. There is also a one-tap freeze that halts all outbound activity instantly.
Keep learning
Free on iOS and Android. Your keys from minute one.