High-Yield Business Savings
High-yield savings for your startup's runway
Open US or EU account numbers, wire USD or USDC. We automatically place your idle funds into vetted yield strategies. Withdraw anytime with zero penalties or lock-ups.
| Wire from Chase •••• 1234 | +$500,000.00 |
| Daily yield earned | +$679.45 |
| ACH to vendor | -$12,500.00 |
- Routing
- 021000021
- Account
- 1234567890
Simple as any savings account
Connect → Sweep → Earn
Connect your bank
Link Mercury, Brex, or any bank via Plaid. Set your operating balance threshold.
Auto-sweep idle cash
Funds above your threshold automatically sweep to high-yield strategies. No manual transfers.
Spend & withdraw freely
Use your corporate card globally or withdraw anytime. No penalties, no lock-ups, instant liquidity.
Why Zero Finance
High-Yield Savings for Startups
Competitive Yield
Earn significantly more than traditional banks on your idle cash. Your funds are automatically allocated to vetted yield strategies with institutional-grade insurance coverage. Withdraw anytime with zero penalties or lock-ups.
No Minimums, Full Liquidity
Start earning from day one with no minimum balance requirements. Your funds remain fully liquid — withdraw any amount, any time. Perfect for managing runway while maximizing returns on idle capital.
Instant Global Banking
Open US and EU bank accounts in seconds. Get ACH routing numbers and SEPA IBANs instantly. Receive wire transfers, ACH payments, and SEPA transfers directly to your high-yield account.
Institutional-Grade Security
Bank-level security with self-custody benefits. Your funds are protected by multi-layer insurance coverage and battle-tested DeFi protocols securing $8B+ in assets. Email login for easy access.
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For Developers & Partners
Embed High-Yield Savings
in Your App
Integrate competitive high-yield savings directly into your fintech product. We handle the DeFi complexity, insurance, and compliance — you get a clean REST API.
What You Get
Use Cases
Corporate Banking
Offer high-yield treasury management to business customers
Neobanks
Add competitive savings rates to your product suite
Crypto Wallets
Enable idle balance yield for your users
Payment Apps
Let users earn while they save for upcoming payments
Request API Access
Join the waitlist and we'll reach out to discuss your needs.
Start Earning High Yield on Your Runway
Stop leaving money on the table. Get competitive high-yield savings with no minimums, no lock-ups, and full liquidity.
Trusted by leading startups securing over $2M+ in high-yield deposits.