Rho Treasury

Extend your runway, earn up to 4.55%*

Safely invest cash in treasury bills, putting your money to work as you build your business.

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Rho is a fintech company, not a bank. Rho partners with FDIC-insured banks to offer banking products and services. Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser. RBB Treasury LLC facilitates investments in securities: investments are not deposits and are not FDIC Insured. Investments are not bank guaranteed, and may lose value. Investment products involve risk and past performance does not guarantee future results. Registration with the SEC does not imply a certain level of skill or training. Treasury and custodial services provided through Apex Clearing Corp. Treasury and custodial services provided through Interactive Brokers LLC for clients with accounts opened prior to July 2024; IBKR rates may vary from Apex rate shown above.
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*This reflects expected net yield based on 90-day T-bill rates as of [DATE] and an annual fee which ranges from 0.15% for deposits of $20M or more to 0.6% (the maximum annual fee) for deposits under $2M. Individual results may vary depending on the actual investment date and investment products selected. Past performance is no guarantee of future performance. Treasury and custodial services provided through Apex Clearing Corp. Treasury and custodial services provided through Interactive Brokers LLC for clients with accounts opened prior to July 2024; IBKR rates may vary from Apex rate shown above.

1Images are provided for illustrative purposes only; performance figures should not be considered to be representative of actual performance.

Put your funds to work

Spend less time chasing yield and more time building your business.
1.

Invest safely

Invest in government-backed treasury bills with 2-3 business day liquidity.
2.

Generate [autofill] yield

Access competitive yield on balances
3.

Monitor balances

See your Rho Treasury balance, holdings, and yield in real-time.

Optimize your excess cash with Rho today

Rho gives founders confidence their cash is earning competitive rates.

See balances and holdings any time

Easily move funds between Rho Checking, Savings, and Treasury visual

Easily move funds between Rho Checking, Savings, and Treasury

Get customer support 24/7

Explore Rho Treasury today
Apply Now
1Images are provided for illustrative purposes only; performance figures should not be considered to be representative of actual performance.

We make it easy to switch to Rho

Enjoy a smooth account opening experience and get back to building.
1.

Apply for Rho in minutes

Help us learn more about your business needs by uploading identification and disclosure documentation.
2.

Fund your account

Once open, account holders can begin sending payments, receiving incoming wires, and managing monthly transactions.
3.

Set up Rho Treasury

Apply for a Rho Treasury account in minutes. Eligible businesses can get started in as fast as 2 business days.

Reject the legacy way of finances.

Rho enhances every finance process, unlocking time and value.

From manual finance

Your bank lets your idle cash sit still, offering no assistance until your revenue hits tens of millions.

To frictionless finance

Companies get automated treasury management that actively puts their idle cash to work.1
1Images are provided for illustrative purposes only; performance figures should not be considered to be representative of actual performance.

Pricing

Here is a breakdown of the Net Yield2 you can potentially earn with Rho Treasury based on your total deposits.
Total Deposits in Treasury
Net Yield2

> $20M

–––%

$10–20M

–––%

$5–10M

–––%

$2–5M

–––%

$500K-$2M

–––%

2This reflects expected net yield based on 90-day T-bill rates as of [DATE] and an annual fee which ranges from 0.15% for deposits of $20M or more to 0.6% (the maximum annual fee) for deposits under $2M for Apex Clearing Corp. (post-July 2024). For accounts opened prior to July 2024 through Interactive Brokers LLC, the rates may vary from the Apex rates shown above.. Individual results may vary depending on the actual investment date and investment products selected. Past performance is no guarantee of future performance.

FAQs

See answers to common questions we get from customers about Rho Treasury.

Is my business eligible for Rho Treasury?

Rho Treasury generally is available for all eligible Rho clients that invest $500K or more (subject to application approval). Reach out to your Client Service representatitve to learn more.

What yield can I expect with Rho Treasury?

Rho Treasury gives you market rates of return. Best way to see possible APY is viewing the table above.

How much does Rho Treasury cost? How do you make money?

Rho Treasury is an RIA (registered investment advisor) and charges a management fee.

We cover all transaction costs to build and manage your portfolio. Plus, we cover any wire fees to move money out of Rho Treasury account.

How fast can I access my funds?

If you sell your treasury bills, you should be able to access the funds within 2-3 business days. Treasury bills sold before maturity are sold at market prices, which can fluctuate.

That means that any treasury bills sold before maturity may lose value compared to your principal investment amount due to factors including, but not limited to, fluctuations in interest rates.

Where are my cash and investments held?

When you use Rho Treasury at one of our custodial partners, your cash and investments are held in your company's name at our custodial partner, Apex Clearing Corp. (after July 2024) or Interactive Brokers LLC (pre-July 2024).

Is Rho Treasury FDIC insured?

No, securities-based portfolios do not have FDIC insurance.


If you are more interested in FDIC deposit insurance, explore the Rho Business Savings Account because it can provide up to $75M in FDIC deposit insurance coverage per depositor via savings account services provider, American Deposit Management Co. and its partner banks.

Apply Now
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Checking and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management, LLC and its partner banks. Rho is a fintech company, not a bank. All rights reserved. (c) 2019-2024 Under Technologies, Inc. DBA Rho Technologies. Rho is a trademark of Under Technologies, Inc.
International and foreign currency payments services provided by Wise US., Inc.

*Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser. RBB Treasury LLC facilitates investments in securities: investments are not deposits and are not FDIC Insured. Investments are not bank guaranteed, and may lose value. Investment products involve risk and past performance does not guarantee future results. Registration with the SEC does not imply a certain level of skill or training. Treasury and custodial services provided through Apex Clearing Corp. Treasury and custodial services provided through Interactive Brokers LLC for clients with accounts opened prior to July 2024; IBKR rates may vary from Apex rate shown above. Please see the ADV-2A Wrap Fee Brochure for further information regarding fees and Rho Treasury.