Real-time cash visibility for micro-businesses

Know your cash
30 days ahead.
Before it hits.

You shouldn't find out about a big payment when it bounces. Vaultex connects your bank accounts and shows you exactly what's coming in and going out — so you're never blindsided by your own cash flow.

40%
of manual cash forecasts are wrong
80%
of SMBs still run treasury on spreadsheets
$14M
avg revenue lost to payment issues per US firm
Join the waitlist Start for $49/mo See live demo →
Vaultex cash dashboard
Live — synced 2 min ago
The gap

The CFO uses QuickBooks.
The founder uses a spreadsheet.
The treasurer doesn't exist.

Micro-businesses ($1M–$10M revenue) have complex enough cash to need real treasury management — multiple accounts, FX exposure, recurring obligations, invoice timing. But they're too small for enterprise TMS (starts at $200K/year) and too sophisticated for basic accounting software.

So founders wing it. They open five browser tabs every morning. They discover they're short on payroll three days before payday. They miss early-payment discounts because no one tracked the payable window.

"We had $2M in the bank and still couldn't tell you how long we'd survive a slow month."
AI agents working
How it works

Autonomous agents.
Always-on treasury.

Vaultex runs background agents that monitor your cash position 24/7. They don't show you a dashboard and leave — they act. Flagging anomalies, sweeping idle funds, alerting you before a crunch hits.

Invoice Watcher
Flags discrepancies, monitors aging AR, triggers collection reminders autonomously.
Cash Sweeper
Moves excess operating cash into high-yield accounts when thresholds are met.
Runway Forecaster
Predicts cash position 30/60/90 days out with confidence intervals and scenario modeling.
FX Sentinel
Monitors cross-border exposure and alerts when hedging makes sense.
Capabilities

Everything a real CFO would do.
Autonomous. Always-on. $49/mo.

01
Real-time cash visibility
Aggregate all accounts — checking, savings, credit — into a single live view. Refresh every 2 minutes from your connected banks via Plaid or Open Finance.
02
Predictive BI dashboards
ML-powered forecasts that learn your revenue patterns, recurring obligations, and seasonal dips. Know your runway 30/60/90 days out — with confidence bands, not point estimates.
03
Autonomous invoice processing
Match AP invoices to POs, flag discrepancies before payment, track early-pay discounts. The agent works while you sleep.
04
Idle cash optimization
When operating cash exceeds your threshold, funds automatically sweep to a linked high-yield account. Earn yield without lifting a finger.
05
FX exposure analysis
For businesses with cross-border transactions — track currency exposure by vendor, customer, and contract. Alerts when hedges are warranted.
06
Bank-agnostic integration
Connect any bank in the US, EU, Brazil (via BACEN Open Finance), or UK. Single API layer means your treasury view never breaks when you switch banks.
Insight
$49/mo
Real-time cash visibility + predictive dashboards for single-business founders
Autonomous
$199/mo
Everything in Insight + AI agents, idle cash sweeps, and FX monitoring
Founder working with clarity

Stop guessing.
Start knowing.

The difference between a business that survives a slow quarter and one that doesn't is usually just earlier visibility. Vaultex gives you that visibility — and the autonomous tools to act on it.

The vision

In 1,000 days, every micro-business owner should be able to answer "how long can we survive without revenue?" in under five seconds — and trust the answer.

Start for $49/mo Join the waitlist
Early access

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