Corporate Treasury

Protect Operating Cash.
Unlock 0% Credit.

As a CFO, your #1 job is protecting cash while keeping operations running. Grain & Vault gives you 100% protected reserves with a 1:1 credit line for payroll, AP, and working capital - at 0% interest.

100% protected operating cash - always withdrawable
0% interest credit line for payroll & AP
Native ERP integration (NetSuite, SAP, Dynamics)
The Three-Layer Model

How Corporate Treasury
Actually Works

Layer 1

Protected Deposit

Your operating cash is 100% protected. No exposure to lending risk. Full withdrawal available anytime. This is YOUR money.

  • 100% principal protection
  • Same-day withdrawal
  • Full audit trail
Layer 2

GRAIN Credit Line

Get 1:1 credit in GRAIN at your deposit price. 0% interest. Use for payroll, AP, vendor payments - all settled instantly.

  • 0% interest, always
  • Pay suppliers instantly
  • Run payroll in GRAIN
Layer 3

Appreciation

As the network grows, you receive bonus GRAIN. Your purchasing power increases without taking on additional risk.

  • Network growth rewards
  • No additional risk
  • Compound purchasing power
Built for CFOs

Corporate Treasury,
Reimagined

Everything a CFO needs to protect cash, manage liquidity, and eliminate the friction of traditional banking.

Protect Operating Cash

Keep 100% of your operating reserves protected while still accessing credit. No more choosing between safety and liquidity.

0% Interest Credit Lines

Eliminate interest expense on working capital. Your 1:1 GRAIN credit line has 0% interest forever - not 0% for 12 months.

Instant AP Settlement

Pay suppliers in seconds, not days. No more payment failures, no more late fees, no more strained vendor relationships.

Payroll Without Risk

Run payroll through GRAIN credit. Your deposit stays protected while employees get paid on time, every time.

Native ERP Integration

Connect NetSuite, SAP, Dynamics 365, or QuickBooks. Push payables directly to Grain & Vault for instant settlement.

Real-Time Treasury View

See your complete treasury position in one dashboard. Protected reserves, credit usage, appreciation, and forecasts.

Traditional Banking vs Grain & Vault

Traditional
Bank Credit Line
Grain & Vault
Protected Treasury
Interest Rate
8-12% APR
0% Forever
Principal Protection
None (lending risk)
100% Protected
Settlement Speed
1-3 business days
Instant (<1 sec)
Transaction Fees
2-3% card fees
0% Fees
Credit Approval
Weeks + covenants
Instant, 1:1 ratio
Withdrawal Access
Limited by terms
Anytime, any amount

Ready to Transform
Your Treasury?

Join CFOs using Grain & Vault for protected operating cash, zero-interest credit, and instant settlement.

No minimum deposit. No credit check. Get started in minutes.

Grain & Vault | Protected Treasury. Zero Friction Payments.