Grow your business funds with Aspire Treasury*

Earn up to 4.02%^ yield with no minimums and next-business day access to your money whenever you need it.

Get Started
Treasury USD graph

*Treasury accounts are advised by AFT US Capital LLC, an SEC-registered investment adviser (“AFT US Capital”), and are custodied by Atomic Brokerage LLC, a registered broker dealer and member FINRA / SIPC. Treasury accounts are not FDIC insured. For additional information about advisory services provided by AFT US Capital, please refer to its ADV Wrap Fee Brochure.

^The return rates are based on 7-day performance as of Dec 2, 2025. Returns are not guaranteed and are projected based on how much your money could potentially grow over a year. Your capital may be at risk. Past performance is not an indicator of future performance. Annual fees range from 0.15% to 0.50%, based on the value of your Treasury account holdings. Please see details in the Wrap Fee Brochure.

Maximize your yield

Up to
4.02%*
After annual fees
United States Flag
*The return rates are based on 7-day performance as of Dec 2, 2025. Returns are not guaranteed and are projected based on how much your money could potentially grow over a year. Your capital may be at risk. Past performance is not an indicator of future performance. Annual fees range from 0.15% to 0.5%, based on the value of your Treasury account holdings. Please see details in the Wrap Fee Program Brochure.

Keep your money safe

At Aspire, we are committed to helping you maximize your money and minimize risk so you can focus on scaling your business.
Invest securely
Your money will be invested in money market funds managed by leading fund managers. You’ll also get updates on the net asset value of, and yield on, your investments.
Always accessible
We believe in giving you full control of your money. Aspire Treasury is fully integrated with your Aspire business account1, allowing you to seamlessly invest your funds anytime.

Start from your first dollar

No minimum amount required. Aspire Treasury gives you the flexibility to grow your capital on your terms.

illustration showing Processing transfer
illustration showing conversion from Treasury account to USD

Cash out anytime

Earn yield on spare cash with next-business day liquidity or move funds back to your Aspire business account1 for your business expenses whenever needed.

FAQs about Treasury

How does Aspire Treasury work?

You can seamlessly invest your idle funds from your Aspire business account1 anytime.

At the time of onboarding, you will be asked to complete an investor risk profiling questionnaire that will enable us to understand your investment objectives and risk tolerance. Our algorithm will then recommend a portfolio that is suited to your needs.

Our investment advisory is provided on a non-discretionary basis, meaning that we provide the investment recommendations. The decision to act on the recommendation rests solely with you.

If you choose to invest in the recommended portfolio, you can invest in the underlying mutual funds via your brokerage account with Atomic Brokerage LLC.

Underpinning the portfolios, Aspire Treasury currently offers two money market mutual funds that invest in lower-risk, short-term debt securities, such as Treasury bills, municipal debt, or corporate bonds. See the fund prospectuses for details on each fund’s holdings:

You’ll get updates on the net asset value of and yield on your investments, with next-business day access to your money whenever needed.

Can I speak to an Investment Adviser to discuss my needs and get advice?

We are a digital only platform and provide our algorithm driven investment advisory services solely via the web or mobile app. We do not have any representatives or advisors who can speak with you directly to provide financial advice.
‍

Who can use Aspire Treasury? Is my DDA eligible?

We currently serve businesses (corporations and LLCs) that are US entities only, and do not provide our services to individuals. To use Aspire Treasury you must first open an Aspire business account1.
‍

How much does Aspire Treasury cost?

There are no fees to open an account or transact with Aspire Treasury.

Clients are charged a small percentage of their total monthly Aspire Treasury holdings at a rate determined by the value of the total holdings in Aspire Treasury, ranging from 0.15% to 0.5%. This is charged to the Aspire business account1. Please see details on pricing in the Wrap Fee Program Brochure.
‍

Is there any lock-in period? Can I withdraw my funds immediately?

You can withdraw money from your Aspire Treasury account at any time—the proceeds of the sale of the fund units will be transferred to your Aspire business account1 by the next business day, if the redemption request is received before the cut-off time for the day of the relevant money market fund(s).
‍

Is there any minimum investment required?

No, you can invest any amount in Aspire Treasury and get access to your funds on the next business day (for redemption requests placed before cut-off time).
‍

How is Aspire Treasury insured?

Aspire Treasury accounts are not FDIC insured. Treasury investments are held at Atomic Brokerage LLC, which is insured by the Securities Investor Protection Corporation (SIPC). In the unlikely event that Aspire’s brokerage firm fails, the SIPC will insure customers up to USD $500,000 in securities and cash.

Open your Aspire business account1 today

Experience the future of business finance today.

Get Started
Products
Business AccountCorporate CardGlobal PaymentsExpense ManagementIntegrationsTreasury & Yield
APIs
Payment GatewayPayout APICard Issuance APIConnect API
Resources
BlogAspire for StartupsFAQ
Communities
CFOXchangeFoundersXchange
Company
About AspireProduct UpdatesContact UsCareersPartner with AspireNewsroom
© 2025 AFT US LLC. All rights reserved. 
United States
  1. AFT US LLC, d/b/a Aspire, is a financial technology company, not a bank. The Deposit Account and banking services are provided by Column N.A., Member FDIC. FDIC deposit insurance covers the failure of an insured depository institution. Deposits in the Deposit Account are FDIC-insured through Column N.A., Member FDIC and Column's Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply.
  2. The AFT Secured Commercial Charge Card is issued by Column, N.A., Member FDIC, pursuant to a license from Mastercard. Approval is subject to eligibility. Payment of the account balance is due in full daily.
  3. Aspire Treasury is provided to you by AFT US Capital LLC, an SEC-registered investment adviser. Aspire Treasury seeks to earn net returns up to 4.02% annually on invested cash. Net yield numbers are as of Dec 2, 2025, and assumes invested balance greater than $2,000,000.

    Treasury accounts are advised by AFT US Capital LLC, an SEC-registered investment adviser, and are custodied by Atomic Brokerage LLC, a registered broker dealer and member FINRA / SIPC. By opening an Aspire Treasury account, you agree to the AFT US Capital LLC Advisory Agreement, Atomic Brokerage Account Agreement and Atomic Brokerage General Disclosures, and acknowledge receipt of the Atomic Brokerage CRS and the Atomic Privacy Policy. Treasury accounts are not FDIC insured. For additional information about advisory services provided by AFT US Capital LLC, please refer to its ADV Wrap Fee Brochure.

    The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.

    Furthermore, the information set forth has been obtained from sources that the AFT US Capital LLC believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Aspire Treasury and to provide general background information on its algorithmic investment program.

    This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.

    Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.

    Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that Aspire Treasury is seeking to achieve over a particular period of time. Projected returns reflect the AFT US Capital LLC’s performance estimate – i.e., the returns that the AFT US Capital LLC believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about AFT US Capital LLC’s risk tolerances when managing the Aspire Treasury strategy and to provide information useful to a client or potential client when assessing how the AFT US Capital LLC’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.

    Aspire Treasury is not insured by the FDIC. Aspire Treasury is not a deposit or other obligations of Column N.A., and are not guaranteed by Column N.A.. Aspire Treasury products are subject to investment risks, including possible loss of the principal invested.

^1.5% cashback applies to all eligible spend made with the Corporate Card. Terms and conditions apply. See cashback policy here.

‍
*EUR, GBP, HKD, and CNY accounts are provided by AFT HK Limited ('Aspire HK'). AFT HK Limited is registered in Hong Kong (75317450-000) and licensed as a Money Service Operator by the Hong Kong Customs and Excise Department. Funds held in accounts provided by AFT HK Limited are not insured by the FDIC. The terms and conditions governing the multi-currency accounts and services can be found here.

Change country/region

Select the country your organisation is located in.
Singapore
United States
Hong Kong (EN)
Hong Kong (繁体中文)
Hong Kong (简体中文)