# Idle balances can earn a return
> Put idle balances to work, structured as profit-sharing, not interest. The 4.1% shown is an illustrative assumption, not a quoted or guaranteed rate.
Canonical: https://fasset.com/business/product/treasury/

Money you are not spending this month does not have to sit flat. Allocate part of a balance to treasury for a return structured as profit-sharing, not interest.

- Open an account
- See the demo

Client funds are held separately from Fasset’s own.

Treasury allocation 4.1% illustrative

$4,100.00 a year on $100,000 allocated

Allocated from the USD balance$100,000.00

StructureProfit-sharing

RedemptionTypically quick

Minimum termNone

The figures shown are an illustrative assumption, not a quoted or guaranteed rate. Returns are not guaranteed and are not deposits.

## How treasury works

You choose how much to allocate. It stays visible in the dashboard, and redemption is typically quick.

- **Illustrative rate:** 4.1% a year, used here as an illustrative assumption. Any real rate moves, and nothing about it is promised.
- **Structure:** Profit-sharing, not interest. Your allocation takes a share of what the underlying assets earn.
- **Allocation and redemption:** Redemption is typically quick, with no minimum term and no notice period.
- **Visibility:** Allocated balances stay in the dashboard beside your USD, EUR and GBP accounts, allocation and return shown separately.
- **What it is not:** Not deposits, not guaranteed. Fasset Business is a technology platform, not a bank.

## What 4.1% would come to

A balance left allocated for a full year. The figures shown are an illustrative assumption, not a quoted or guaranteed rate.

| Balance allocated | At an illustrative 4.1%, one year | Access |
| --- | --- | --- |
| $50,000 | $2,050 | Typically quick |
| $100,000 | $4,100 | Typically quick |
| $250,000 | $10,250 | Typically quick |

Returns may change, are not guaranteed and are not deposits. Balances are held as USDT, a stablecoin designed to track the US dollar. USDT is issued by a third party, and how closely it tracks the dollar depends on that issuer.

The 4.1% is an illustrative assumption, not a promise, and treasury terms, including any fees, are confirmed before you allocate. Account pricing is on the pricing page.

## Common questions

#### Is the return interest?

No. The return is structured as profit-sharing, not interest. Your allocated balance takes a share of what the underlying assets earn, so the rate follows performance instead of being promised in advance as a fixed charge on a loan. The 4.1% shown is an illustrative assumption, not a quoted or guaranteed rate, and treasury balances are not deposits.

#### What is the rate, and is it guaranteed?

This page uses 4.1% a year so the arithmetic is easy to follow. The figures shown are an illustrative assumption, not a quoted or guaranteed rate. Returns are not guaranteed and treasury balances are not deposits. Fasset Business is a technology platform, not a bank.

#### How quickly can I get the money back?

Redemption is typically quick, so a payroll run or a supplier payment does not have to wait on a notice period or a lock-up. There is no minimum term.

#### What are the dollars actually held as?

Balances are held as USDT, a stablecoin designed to track the US dollar, which Fasset also uses as a payment rail. USDT is issued by a third party, and how closely it tracks the dollar depends on that issuer. You see dollars in the dashboard, and the rail is handled inside the platform.

#### How do I open an account?

The application runs entirely online. You enter your company details, verify the people who own the business, and the account opens once those checks clear. Availability is confirmed at signup, country by country.

## Open your account

The application runs entirely online. Or walk through the product first, with sample data and no signup.

- Open an account
- See the demo

Client funds are held separately from Fasset’s own.