Now with FedNow instant settlement

Your idle cash
should be working.

Atlas connects all your bank accounts and automatically sweeps excess cash into higher-yielding instruments — with same-day liquidity. AI-powered optimization for companies of every size.

Bank-grade security Same-day liquidity AI-powered insights
app.atlascash.com
Dashboard
Monday, March 16, 2026
SC
Consolidated Balance
$24,567,890.12
+0.4%from yield this month ($86K)
Transfer Funds
Auto-Sweep Rules
Link Account
Smart Alerts
Idle Cash Detected
$13.7M could be earning yield in Atlas Treasury
Create Sweep Rule
Higher Yield Available
Sweep more idle cash to increase yield
Optimize Sweep
Payroll Funding Due
Next payroll requires $445K
Fund Payroll
Cash Allocation
Total$24.6M
AI Insights
Optimize Cash Buffer+$704K/year
Payroll Timing Opportunity+$20K/year
Yield Ladder Strategy+$8.5K/year
Up to 3.96%
US3.25%
EU3.96%
Net APY
After fees · rates are variable*
<12s
Settlement Time
Via FedNow instant payment rails
$0
Minimum Balance
No account minimums to get started
100%
Same-Day Liquidity
Access your cash whenever you need it

Three steps to maximize yield

Get started in minutes. No enterprise sales cycle. No minimums.

01

Connect Your Accounts

Securely link your bank accounts via Plaid. Chase, BofA, Goldman, Mercury — all in one view with real-time balances.

02

Set Auto-Sweep Rules

Define thresholds and Atlas automatically moves excess cash into Atlas Treasury Yield — backed by US Treasuries, earning up to 3.96% net APY.

03

Watch Your Yield Grow

Track earnings in real-time. AI finds optimization opportunities. Same-day liquidity means your cash is always accessible.

Everything you need.
Nothing you don't.

AI Cash Optimization

Our engine analyzes your cash flow patterns and finds idle cash opportunities — computing real dollar impacts, not generic advice.

Bidirectional Auto-Sweep

Sweep excess cash into Treasury yield automatically, and pull it back for payroll or operations when balances dip.

Instant Settlement

Move money in seconds via FedNow and RTP rails. No more waiting days for wire transfers or ACH to settle.

Yield Portfolio Tracking

See your Treasury yield position, track net APY, monthly yield, and total earnings — all in one dashboard.

Reports & Tax Docs

Monthly statements, CSV exports, 1099 forms. Everything your finance team and accountants need, ready to download.

Team Permissions

Invite your team with Admin, Manager, or Viewer roles. Full audit trail on every action.

Multi-Bank Aggregation

Connect unlimited bank accounts. See all your cash positions in a single consolidated view.

Bank-Grade Security

SOC 2 compliant. 256-bit AES encryption. MFA. Your data is encrypted at rest and in transit.

No Minimums

Unlike legacy platforms that require billions in AUM, Atlas works for companies with $50K or $50M in idle cash.

Yield Portfolio

Track every basis point.

See exactly how much yield your idle cash is generating and redeem back to any linked bank account with one click. Real-time performance tracking on Atlas Treasury Yield — backed by US Treasuries.

Net APY tracking with fee transparency
One-click redemption to any linked bank account
Monthly and YTD yield performance tracking
Daily yield accrual visibility
TOTAL INVESTED
$8.3M
Current value: $8.3M (+$75K)
NET APY
3.96%
After Atlas management fee
YIELD THIS MONTH
$30,780
Today: +$1,012.33
YIELD YTD
$92,340
Since inception
Atlas Treasury Yield
US Treasury-backed
3.96% APYSame DayLow Risk
$8,325,148
+$75,148 earned
30 days agoToday
Active Sweep Rules
Treasury Reserve Builder
Chase ••4521Atlas Treasury Yield
$10.0M – $15.0M3.96% APYDaily
Operating Excess Sweep
BofA ••8837Atlas Treasury Yield
$3.0M – $8.0M3.96% APYWeekly
Payroll Auto-Fund
Atlas Treasury YieldSVB ••3344
When below $500KBi-weeklySweep Out
Auto-Sweep

Set it. Forget it.
Watch it earn.

Define your rules once and Atlas handles the rest. Sweep excess cash into Treasury yield when balances exceed your threshold, and automatically pull funds back when you need them for payroll, vendor payments, or operations.

Bidirectional sweep — in to yield, out to fund operations
Configurable thresholds and frequency
FedNow instant settlement on every sweep
AI recommendations for optimal sweep configuration
AI-Powered
Insights Engine

Your cash flow,
analyzed in real-time.

Atlas doesn't just hold your money — it thinks about it. Our AI engine continuously analyzes your account balances, sweep rules, yield positions, and cash flow patterns to surface actionable insights with real dollar-impact estimates.

Idle Cash Detection
Identifies cash sitting in checking accounts that could be earning yield
Concentration Risk
Warns when too much is concentrated in a single product or provider
Payroll Timing
Optimizes when payroll funding transfers to maximize yield days
Missing Sweep Rules
Finds accounts without coverage and estimates the lost yield

Bank-grade security, always.

Atlas is built from the ground up with security as a first principle. Your data and money are protected at every layer.

SOC 2 Type II
256-bit AES Encryption
Multi-Factor Auth
Role-Based Access

Stop leaving money
on the table.

Every day your idle cash sits in a checking account, it's losing value. Atlas puts it to work automatically.

Get Started Free

No credit card required. No minimums. Set up in under 5 minutes.

*Atlas Treasury Yield rates are net of the Atlas 0.35% annual management fee and are variable. US rate reflects SGOV (iShares 0–3 Month Treasury Bond ETF) yield; EU rate reflects USDY (Ondo US Dollar Yield) tokenized Treasury yield. For US customers, investments are held in a brokerage account at Alpaca Securities LLC, member FINRA/SIPC. For international customers, deposits are converted to USDC and invested in tokenized Treasury instruments. Capital is not FDIC-insured. Past performance does not guarantee future results.