Treasury

Grow your business funds with Aspire Treasury*

Earn up to 3.70%^ yield with no minimums and next-business day access to your money whenever you need it.
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*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 Apr 1, 2026. 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% to 0.5%, based on the value of your Treasury account holdings. Please see details in the Wrap Fee Brochure.

Earn returns in USD

3.70%*
on USD

*The return rates are based on 7-day performance as of Apr 1, 2026. 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% to 0.5%, based on the value of your Treasury account holdings. Please see details in the Wrap Fee Program Brochure.

Keeping 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.

All-in-one business account

Put your earnings to work. Pay bills, employee salaries and more. No need for multiple accounts and logins.

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% 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.
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