Zuvo
For your operating cash

Earn 3.52% on your operating cash.1 Without changing your bank.

Increase your profit today. Zuvo connects to your accounting software, maintains a daily cash forecast, and sweeps excess into WisdomTree’s Treasury money market fund (WTGXX).

Get started
Built by engineers from Google, Reddit and Paxos Backed by Solana Labs · Foundation Capital · Oak HC/FT · QED · The Venture Dept
01 / Overview

Zuvo is the treasurer you’ve been missing

Treasury teams at large companies optimize cash every day because it boosts the bottom line. Now you get the same benefit, with no process changes.

Zuvo reads data from your accounting software, bank and money market fund. Money moves directly between your bank and your fund. Zuvo DATA MONEY Accounting & ERP QuickBooks Xero NetSuite Sage Intacct DIRECT FUNDS MOVEMENT 0.07% 3.52% Your bank WisdomTree WTGXX

Scroll sideways to see the full diagram →

Zuvo maximizes yield on your cash no matter where you bank.3

02 / How it works

Set it up once. It runs every day.

  1. 01

    Connect

    Connect your bank and your accounting software.

  2. 02

    Forecast

    We build a cash outflow forecast from your AP ledger, payroll, expense management and card spend.

  3. 03

    Sweep

    We sweep excess funds into WTGXX, in your name.

  4. 04

    Covered

    We make sure you end the day with cash on hand for your upcoming bills.

You’re always in control

  • Set a minimum bank balance
  • Modify your cash forecast
  • Move funds back to your bank any time
The Forecast screen: 13 weeks of projected end-of-day bank and treasury balances in two panels, with a $250,000 bank minimum, and the cash flows table grouped by day, with totals for each account (sample data)
03 / Liquidity

Your money is always available

  • Funds are held in WisdomTree’s WTGXX fund, which offers 24x7 liquidity.4
  • Shares can be converted to cash at any time, as part of your plan or for one-off needs.
  • Funds can be sent to your bank any time via real-time payment.2
Two phone screens: moving $25,000 from WTGXX to the operating account on a Saturday night, and the confirmation that it arrived two minutes later by real-time payment (sample data)
04 / Safety

We take your safety seriously

Money moves only between your bank and WisdomTree WTGXX. Excess cash buys fund shares; when you need it back, shares are sold and cash is sent to your bank. Zuvo sends instructions only. Zuvo INSTRUCTIONS ONLY SWEEP Excess cash buys fund shares, per your plan Your bank Operating account WisdomTree WTGXX Shares in your name RETURN Shares sold; cash sent to your bank by real-time payment
Two phones: in approve mode, today's $41,800 sweep waits for Approve or Deny; in auto mode, a notification says the sweep ran (sample data)
Zuvo runs in auto mode or approve mode.
  • Cash availability Cash is available at any time, even after banking hours. Unlike typical yield products, you can withdraw from WTGXX to your bank in minutes.2
  • Stable value Your funds are held in WTGXX, a Rule 2a-7 money market fund that invests in short-term US government securities and seeks a stable $1.00 share price.
  • Institutional grade Funds move directly between your bank and your WTGXX shares, held in your name at a regulated custodian. Zuvo never takes possession of your cash.
  • 24x7 reliability Built by engineers from Google, Reddit and Paxos.
  • Operational guardrails Set minimum cash balances, control the cash flow forecast, withdraw any time.
05 / Before and after

Same bank. Better use of your cash.

TopicTodayBank savings accountWith Zuvo
Idle cashSits in your operating accountMoved by hand into a separate account at your bankExcess moves into WisdomTree’s WTGXX fund, in your name
What it earns0.07%30.38%33.52%1
Who moves itNo oneYou, by hand, when you rememberZuvo, every day, within limits you set
Process changes—Manual transfers between accountsNone: same bank, payroll, A/P and A/R
What you seeA balanceTwo balances to keep track ofA daily cash forecast and an alert for every move

Bank rates as of Oct 19, 2026. Zuvo yield as of Nov 3, 2026, net of the 0.20% fee.

06 / Calculator

How much could your business earn?

Use this simple calculator to see what Zuvo is worth to you.

What usually sits in your operating account.
Estimated annual yield $0
Typical cash balance$0
Yield, net of fees, as of Nov 3, 20263.52%1
Typical cash balance × 3.52%, before the minimum you keep at your bank. An estimate, not a promise: it assumes your balance and today’s yield hold for a year. Get started
Graphic: monthly yield estimate

Estimated yield by month, from your industry’s typical cash flow pattern applied to your revenue and cash balance.

07 / FAQ

Questions, answered

Is this a bank account?

No. Zuvo works alongside your existing bank account. Excess cash is held in WisdomTree’s WTGXX money market fund, in an account in your name at a regulated custodian.

Are my funds FDIC insured?

No. Your funds are held in WTGXX, a money market fund that seeks to maintain a stable $1.00 share price, at a regulated custodian. Money market funds can lose value.

Do I need to change my payroll, A/R, or A/P processes?

No. Your bank, payroll, receivables and payables stay as they are. Zuvo reads from your systems and moves only cash above the minimum you set.

What service fees will I be charged?

You do not pay any fees directly. We are compensated by a 0.20% charge on your balance. Rates are quoted net of all fees.

How fast can I get money back?

Any time. WTGXX shares can be sold around the clock,4 and cash reaches your bank in minutes when your bank supports real-time payments.2 [TBD: timing when it doesn’t]

What happens if the forecast is wrong?

[TBD]

Which fund holds my money?

The WisdomTree Treasury Money Market Digital Fund (WTGXX). It invests in short-term US government securities and has a 0.25% expense ratio, which is already reflected in the yield we quote.1

Who is the custodian?

[TBD: partner name]

Who sends my tax forms?

Money market fund income is reported as dividends on Form 1099-DIV, issued by the broker-dealer or the fund’s transfer agent. You’ll also find it in Zuvo.

Which accounting systems are supported?

QuickBooks, Xero, NetSuite and Sage Intacct.

08 / Get started

Get started

Signup takes 5 minutes.

  1. 01Provide your business details
  2. 02Authorize access to your bank and systems
  3. 03We open your WTGXX account, in your name, at a regulated custodian
  4. 04You review the sweep plan before the first dollar moves
Option A

Book a call

Thirty minutes with the founders. Bring your questions and a rough cash balance.

Pick a time [TBD: scheduling link]
Option B

Start onboarding

Accounting system
Thanks. We’ll be in touch within one business day. [Draft: this form isn’t connected yet]
Notes
  1. Zuvo yield: the seven-day yield of the WisdomTree Treasury Money Market Digital Fund (WTGXX), 3.72% as of Nov 3, 2026 (WisdomTree), less our 0.20% fee. The seven-day yield is already net of the fund’s 0.25% expense ratio. Yields change daily and are not guaranteed.
  2. Withdrawals in minutes require support for real-time payments by your bank.
  3. FDIC national rates for interest checking (0.07%) and savings (0.38%) accounts, as of Oct 19, 2026 (FDIC).
  4. WTGXX’s 24/7 liquidity is offered through WisdomTree Connect’s Instant Liquidity service, with WisdomTree Securities providing the liquidity, and is subject to network and operational conditions (WisdomTree).