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Get up to a 1% match on initial deposits in a new account - for a limited time only! *

Maximize yield on company cash without switching banks.

High yield business accounts for startups, SMBs, funds and enterprises. Best in class yield with SIPC insurance coverage up to $75M.
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Issuer Rotation

Continuously evaluates comparable securities and rotates between issuers when yields, fees, or market conditions create a more attractive risk-adjusted opportunity.

Intelligent Drift Rebalancing

Automatically monitors and rebalances your portfolio to maintain target allocations, risk exposure, and liquidity objectives.

Policy-Aware Treasury Advisor

Understands your cash policies, investment guidelines, and business context to provide tailored treasury guidance and proactive recommendations.

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 yield, risk and hedging ideas where your business is over-concentrated. Whether you’re looking for stable returns in T-bills, higher yield, risk hedging or a calculated allocation to crypto, Waldo provides flexible, automated investment strategies that work for you.
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Manage Balance Sheet Risk

Work to mitigate interest rate, currency, commodity, political or sector-specific risks with Waldo's risk management strategies.
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Secure Custody

Client assets are held as securities via DTCC, never loaned or leveraged, with Extended SIPC coverage up to $75m*.
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Proactive Management

Including automated drift rebalancing, issuer rotation and a policy aware treasury advisor.
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Enterprise-Grade Security

Keep your funds in a trusted platform. Waldo is SOC II certified with bank-level encryption and data 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.

10+
Strategy Profiles

A diverse array of investment strategies to select from tailored to your business.

$75M
SIPC Coverage

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

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Put your money to work.

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Waldo.ai, Inc. ("Waldo") is registered with the U.S. Securities and Exchange Commission as an 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.
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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.


Unlike bank accounts and certificates of deposit (CDs), fixed-income investments are not FDIC insured, are not bank deposits, and are not guaranteed by any bank or government agency. All investment strategies have the potential for profit or loss; changes in investment strategies, contributions or withdrawals may materially alter the performance and results of a portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be suitable or profitable for a client's investment portfolio. By proceeding, you acknowledge that you understand these risks and that the value of your investment may fluctuate.

Your use of this site, or communication with the Firm through this site, does not create an advisory relationship between you and the Firm. Do not send confidential information via this website or through email, as such communications may not be secure.

* Promotional program offer details are subject to change. Program details are provided to potential clients prior to the signing of the Investment Management Agreement. Maximum promotional bonus is published in the disclosures and requires a minimum account balance  to be maintained for a disclosed period of time. For more information, please read our disclosures here.
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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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The Firm does not collect personal information from visitors to this website unless voluntarily provided. The Firm does not sell or share personal information with non-affiliated third parties, except as required by law.

This website is controlled and operated from the United States and is subject to applicable U.S. federal and state laws.

By using this website, you acknowledge that you have read and understand our Terms and Privacy Policy. You should consult with a qualified financial professional before making any investment decisions.If you have any questions, please contact us at support@waldo.ai

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