Business Banking
An integrated banking platform that combines high-yield accounts, instant payments, and automated cash management — purpose-built for modern businesses.
How it works
Theorem's banking platform opens FDIC-insured business accounts in minutes, connects natively to your accounting and payment workflows, and automatically sweeps excess cash into high-yield positions.
Every transaction is categorized and reconciled in real time. Consolidated dashboards show positions across all accounts and entities, eliminating the need to log into separate bank portals or download CSVs.
Performance
Three pillars
Banking, reimagined.
A banking experience designed for finance teams, not consumers.
Integrated Business Accounts
Open FDIC-insured checking and savings accounts that connect natively to your accounting, AP, and AR workflows. Every transaction is automatically categorized and reconciled in real time.
Smart Cash Management
Automated sweep rules move excess cash into high-yield positions while maintaining your target operating balance. Real-time dashboards show consolidated positions across all accounts and entities.
Unified Financial View
Banking, accounting, payments, and treasury in a single platform. No more logging into separate bank portals, downloading CSVs, or manually reconciling across disconnected systems.
Agents in action
Your always-on banking team.
Agents that handle account opening, cash management, and payment orchestration — with complete auditability.
Agents coordinate account opening
A single account opening event triggers KYB verification, account provisioning, and initial deposit agents that work in parallel and resolve autonomously.
Banking that gets smarter over time
Every transaction, sweep decision, and reconciliation feeds back into the model. Your banking operations become more efficient with every cycle.
Encode your account structures, sweep rules, and payment preferences into structured training data.
Fine-tune models on your cash flow patterns, vendor relationships, and entity structures for optimal performance.
Agents execute real banking tasks with full audit trails and human-in-the-loop review controls.
Every transaction cycle improves sweep optimization, reconciliation accuracy, and payment routing.
Open your account today.
See how Theorem combines banking and finance operations into one integrated platform.