Maximize yield on company cash without switching banks.

Active treasury cash management for startups, SMBs and enterprises. Manage risk and yield up to 5%⁺ all with SIPC Insurance up to $75M^*.

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Smarter Entity Cash Management

AI Advisor Insights

Select an investment strategy that matches your company’s risk tolerance and liquidity needs. Then, chat with your AI Advisor for insights about risk balance and hedging ideas where your business is over-concentrated. Whether you’re looking for stable returns in T-bills, higher yield, sector exposure or a calculated allocation to crypto, Waldo provides flexible, automated investment strategies that work for you.

Manage Balance Sheet Risk

Work to mitigate interest rate, currency, commodity, political or sector-specific risks with Waldo's intelligent portfolio strategies.

A screenshot showing the ability to hedge your portfolio to balance risk

Secure Custody

Client assets are held as securities via DTCC, never loaned or leveraged, with Extended SIPC coverage.

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Risk-Managed Controls

Smart balancing between traditional and digital assets.
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Enterprise-Grade Security

Keep your funds in a trusted platform. Waldo is SOCII certified with bank-level encryption and asset protection.

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Power Up Your Treasury

Equip your finance and operations teams with tools to optimize idle cash, manage risk, and execute payments—all in one seamless platform.
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Liquidity

Same-Day Withdrawals

Access cash immediately with same-day liquidity.

100+

Strategy Profiles

A diverse array of investment strategies to select from.

Managed

Active & Automated

Including automated rebalancing, gain harvesting, "micro-timing" and tax optimization.

$75M

SIPC Coverage

$75M of Excess SIPC insurance coverage on your account.

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Waldo.ai, Inc. ("Waldo") is registered with the U.S. Securities and Exchange Commission as an Internet-Only Investment Adviser. Registration does not imply a certain level of skill or training. This website is for informational purposes only, is intended solely for U.S. accredited investors, and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Past performance is not indicative of future results. Please see our Full Disclosures and Form ADV for more information.
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The material on this website is for informational purposes only. It should not be construed as investment, tax, legal, or other advice. Nothing contained herein constitutes an offer to sell or a solicitation of an offer to purchase any securities, or a recommendation regarding any investment strategy or product.

Any securities or investment opportunities will be offered only by means of formal offering materials, which describe the significant terms, risks, and conditions of such investments.

Past performance is not indicative of future results. There can be no assurance that any investment will achieve its objectives or avoid substantial losses. Any projections, estimates, or forward-looking statements are speculative in nature, are based on certain assumptions, and are subject to change without notice.

This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.  Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results. 

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* Excess SIPC insurance is provided by Waldo's custodian partner Alpaca Securities LLC ("Alpaca") via the purchase, by Alpaca, of an additional insurance policy through Lloyd's of London to supplement SIPC protection known as Excess SIPC Coverage. The terms, limitations and conditions of the excess SIPC program, offered by Alpaca can be found at https://www.alpaca.markets.

Additional information about the Firm, including its Form ADV filings, is available on the SEC’s Investment Adviser Public Disclosure (“IAPD”) website at https://adviserinfo.sec.gov

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