Banking that runs your business for you.
Initio Treasury is one account, one AI. It incorporates your company, tracks your deposits and spending, keeps your books clean, and surfaces financing options when you need them. One flat price. No back office.
Launching soon, opening in stages.
A living, thinking finance stack. On duty 24/7.
Initio Treasury reads every deposit and transaction the moment it happens. It keeps your records clean, tracks spending, and flags financing options — with your approval on anything material.
- Reads your live ledger
- Keeps books clean
- Tracks every deposit
- Surfaces financing options
The entire back office of a company. Run by one AI.
No shoebox of receipts. No scattered tools. One account, one AI, one bill.
Incorporates your company
No entity yet? Treasury AI forms your LLC or C-Corp, files state paperwork, gets your EIN, and opens your operating account in one flow.
Payroll for your team (roadmap)
W-2s, 1099s, contractors, multi-state — payroll is on the roadmap. Until then, Treasury AI keeps clean records your payroll provider can run from.
Tax filing (roadmap)
Federal and state filings are on the roadmap. Treasury AI keeps your books current and your records clean, so filing is painless when it lands.
Bill pay (roadmap)
Paying vendors from your account is on the roadmap. Today, deposits and spending live in one clean ledger.
Financing options
Treasury AI reviews your live cash flow and shows financing options you may be eligible for.
Keeps you compliant
KYB verification runs at account opening. Treasury AI keeps your records clean and organized from day one.
Your membership earns rewards. Treasury AI tells you what to spend them on.
Points accrue with your membership and redeem for the legal, finance, hiring, GTM and capital services that compound, recommended against your real cash flow.
Legal & formation
Incorporation, 83(b) filings, contract packs. Redeem points instead of paying counsel retail.
Finance & tax
Bookkeeping, R&D credit studies, tax prep. Points cover the back office you would otherwise hire for.
Hiring & GTM
Recruiting, sales tooling and go-to-market services from vetted partners.
Capital
Pitch reviews, data-room prep and warm investor introductions when you are ready to raise.
One product. One price.
Everything launching with the account — the AI, deposit tracking, clean books, and financing options — for a single flat fee.
Replaces your spreadsheets, expense trackers, and cash-flow guesswork — with one AI and one account.
- Operating account on Whop's payment rails
- Initio Treasury AI that tracks your deposits and spending
- Business formation (LLC / C-Corp) if you need one
- Deposit & spend tracking across your whole team
- Clean books your accountant can work from
- Payroll, tax filing & bill pay (on the roadmap)
- Financing options based on your cash flow
- Balances held by Whop
Launching soon, opening in stages.
No per-seat or per-transaction fees. Financing, if used, is priced separately.
Answers to the things founders ask first.
What is Initio Treasury?+
Initio Treasury is the AI-native business banking platform. It opens your operating account on Whop's payment rails, and from day one Treasury AI tracks your deposits and spending, keeps clean records your accountant can work from, and surfaces financing options based on your real cash flow.
What does the $250/month cover?+
Everything. The Treasury AI, the operating account, deposit and spend tracking, clean books your accountant can work from, business formation if you need it, and financing options based on your live ledger. One flat price. Payroll and tax filing are on the roadmap.
Does it really file my taxes and pay my team?+
Not today. Treasury AI tracks your deposits and spending in real time and keeps clean records your accountant can work from. Payroll and tax filing are on the roadmap.
When can I open an account?+
Initio Treasury is launching soon and opening in stages. Accounts are not open yet.
Who holds my money?+
Balances are held by Whop on regulated payment rails. SaaS Closer Corporation dba Initio Capital is a financial technology company, not a bank.
Banking, but it runs itself.
Initio Treasury is launching soon, opening in stages.