Ora
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Treasury visibility without a treasury team

Reserves, idle cash, yield, and liquidity planning connected to banking, spend, and upcoming obligations.

Reserve target met90-day buffer
Exposure within limitEUR −12%
Yield rate updated4.82% APY
Payroll reserved$186K · 4 days
Sweep scheduledToday · $85,000
Liquidity outlookStrong · 14.2 mo
OraTreasury

Cash Allocation

Runway 14.2 mo

Available liquidity

$1,622,400

  • Operating cash$1.84M
  • Reserve$412K
  • Yield-ready cash$94K
  • Payroll reserve$186K

Suggested Action

Sweep to yield

Move $85,000 to yield-ready balance

Recommended

Strategic cash shouldn't live in spreadsheets

Most teams guess at reserves and discover liquidity gaps too late. Ora treasury is built for operators who need clarity before they commit.

Idle cash earns nothing

Surplus sits in checking while yield and reserve strategy live in a spreadsheet—or not at all.

Idle in checking

$412,800

Yield · 0.01%

Earning almost nothing

Operating and reserves blur together

Without clear pools, payroll, runway, and strategic cash all look like one number.

Single balance view

$2,254,900

Operating + reserve + payroll unclear

Liquidity surprises before commitments

Big outflows surface late. Teams find out what's actually available days before money needs to move.

Payroll due Friday

$186,000 · Not reserved

Available · unknown until spreadsheet
A calm terrace workspace overlooking golden hills at sunset

Put every idle dollar to work—calmly.

Operating cash, reserves, and yield-ready balances, clearly separated and always in view.

Liquidity you can act on

Ora separates operating, reserve, and yield-ready cash—so available liquidity is always clear before the next commitment.

Operating and reserve pools with live balances

Operating, reserve, and yield-ready cash sit in distinct pools with balances that update as money moves.

Automated sweeps within policy guardrails

Idle cash moves to reserve and back automatically—always within the thresholds and guardrails you set.

Reserve plan
On track
  • 90-day buffer$450K
  • Tax set-aside$142K
  • Operating min$200K

Availability that accounts for payroll and tax

Available liquidity nets out upcoming payroll and tax, so what's free to deploy is never an overstatement.

Available

$1,622,400

  • Payroll · 4d$186K
  • Tax payment · 12d$47K
  • Vendor batch · 8dUnreserved

Treasury discipline, without the overhead

Every capability is outcome-driven—for founders and finance leads who need strategic cash control without a dedicated desk.

Reserve planning

Segment operating cash from strategic reserves—with targets that match how you actually run the business.

Reserve plan
On track
  • 90-day buffer$450K
  • Tax set-aside$142K
  • Operating min$200K

Yield-ready idle cash

Put surplus to work within policy guardrails, with visibility into what is earning and what is earmarked.

Yield-ready

$94,200

4.82% APY

+$378 est. monthly · Policy guardrails on

Liquidity snapshots

See what is available before payroll, tax, and vendor commitments hit—not after someone rebuilds the model.

Available

$1,622,400

  • Payroll · 4d$186K
  • Tax payment · 12d$47K
  • Vendor batch · 8dUnreserved

Sweep policies

Automate movement between operating and reserve accounts when balances cross the thresholds you define.

Sweep policies

  • Ops → Reserve

    Active

    Balance > $2M

  • Reserve → Yield

    Active

    Idle > $50K

  • Yield → Ops

    Paused

    Below $200K min

Exposure limits

Cap concentration and currency risk by policy—so treasury discipline scales with headcount.

Exposure
  • USD concentration76% / 80%
  • EUR position12% / 15%

Explore business banking →

From targets to daily liquidity

A calm workflow—three steps, no exports between banking portals and treasury models.

1

90-day buffer

$450K

Set reserve targets

Define operating, reserve, and buffer amounts by entity—aligned to runway and obligations.

2
Auto-sweepOn
Threshold$2M

Configure sweeps and limits

Encode when cash moves, who approves exceptions, and how much FX or concentration is allowed.

3

Available

$1.62M

Covered

Monitor liquidity in real time

Act on live availability before commitments land—inside the same OS as banking and spend.

Policies you can stand behind

Premium treasury means sweeps and limits that run automatically—with a complete record when finance or advisors need proof.

Sweep policies

  • Ops → Reserve

    Active

    Balance > $2M

  • Reserve → Yield

    Active

    Idle > $50K

  • Yield → Ops

    Paused

    Below $200K min

Run treasury with the confidence of an operator

Join the waitlist for early access to reserves, sweeps, and liquidity clarity—on the same premium OS as banking, spend, and intelligence.