Yield & Investment
Earn 5× the revenue per customer — by passing yield through to your customers', marketplace participants', and tenants' idle balances.
How it works
Theorem sweeps idle balances from your sub-accounts into FDIC- insured high-yield programs and government money market funds. Real-time balance accrual, daily yield reports, cash-equivalent classification on the books.
Pass through a portion of yield to your customers, or keep the full spread. Same-day liquidity preserved; T-bill ladder strategies optimize on balances you won't need immediately.
Value
Three pillars
Maximize every idle dollar.
Automated yield optimization that puts your cash to work without sacrificing liquidity.
Automated Sweep Strategies
Define target operating balances and Theorem automatically sweeps excess cash into yield-generating positions. Strategies adjust dynamically based on your cash flow patterns and upcoming obligations.
Money Market Access
Access institutional money market funds with competitive yields and same-day liquidity. Theorem aggregates across multiple providers to find the best risk-adjusted returns for your cash profile.
Treasury Bill Laddering
Build automated T-bill ladders with customizable maturities and reinvestment rules. Optimize the balance between yield and liquidity based on your forecast cash needs across the planning horizon.
Agents in action
Yield as infrastructure.
Agents that handle the full yield lifecycle — from cash analysis to allocation and reporting — with complete auditability.
Agents optimize your cash
A daily sweep trigger activates analysis, allocation, and laddering agents that work in parallel and resolve autonomously.
Yields improve over time
Every sweep, allocation, and redemption feeds back into the model. Your yield strategy gets smarter with every cycle.
Encode your cash flow patterns, liquidity requirements, and risk preferences into structured training data.
Fine-tune allocation models on your historical balances, seasonal patterns, and yield targets.
Agents auto-execute sweeps, T-bill purchases, and MMF allocations with full audit trails.
Every cycle improves threshold optimization, timing precision, and risk-adjusted returns.
Earn more on your cash.
See how Theorem automates yield optimization with institutional-grade investment tools.