Launch faster. Cover more.
Go live without bespoke integrations for every issuer, identity system, chain, wallet, or venue.
Every customer. The right issuer.
Treaty gives digital banks one integration to determine eligibility, connect customers to financial-product issuers, and manage approved transactions from onboarding through reconciliation.
Global customerNon-U.S. eligible$50
Qualified purchaserU.S. verified$200k
Retail investorU.S. individual$500
NeobankGlobal experience
01 / The problem
Global customer base. Many different realities.
A neobank may serve customers across countries, investor classifications, ticket sizes, and product requirements. Every combination changes what can be offered—and under which conditions.
- Jurisdiction
- Eligibility
- Ticket size
87 tracked Treasury products
Investor accessWho can subscribeEligibility · KYC
Legal structureWhere and how issuedDomicile · framework
Commercial termsWhat it costsMinimum · fees
Fund operationsWhen cash movesSubscribe · redeem
DistributionWhere it settlesNetwork · custodian
Tokenized exposureSimilar underlying assets
02 / The problem
Similar exposure. Different rulebooks.
Tokenized asset products can offer similar underlying exposure while differing across investor eligibility, domicile, regulatory framework, minimums, fees, subscription and redemption terms, platform, network, and custody.
- Investor eligibility
- Legal structure
- Fund operations
NeobankCustomers
01
IdentityKYC and investor type
02
PolicyDomicile, framework, minimum
03
RoutingProduct, platform, network
04
ReconciliationBalances and issuer records
01
Issuer 01Jurisdiction mismatch
02
Issuer 02Eligible · best route
✓03
Issuer 03Higher route cost
+84 more products
Best eligible route selected Issuer records aligned
03 / The solution
Treaty turns fragmentation into one controlled flow.
Treaty evaluates each customer against product rules, routes approved orders through the right platform and network, and reconciles balances with issuer records—so neobanks can stay focused on customer relationships.
- One integration
- Policy-aware
- Always reconciled
04 / For neobanks
Keep the customer relationship. Lose the integration burden.
Neobanks own the customer experience and compliance perimeter. Treaty handles the fragmented infrastructure behind it, so every new product does not become another integration project.
Keep providers portable.
Swap providers behind one Treaty integration—reducing maintenance cost and avoiding infrastructure lock-in.
Run with fewer breaks.
Policy-aware routing prevents failed transactions while every decision and balance lands in a consistent audit record.
05 / Agentic execution
From prompt to reconciled position.
Define the objective and constraints. Treaty turns them into an approval-ready plan, executes through the right rails, and leaves a complete record behind.
Maintain $120,000 in USDC as operating liquidity. Allocate excess cash across eligible tokenized Treasury products. Require redemption within 24 hours, cap each issuer at 40%, exclude synthetic products, and avoid bridging when estimated cost exceeds 10 basis points.
Ready for a treasury mandate.
01Identify entity and mandate
02Inspect accounts and compliance
03Discover and compare eligible products
04Prepare and simulate allocation plans
05Request approval
06Execute through APIs or contracts
07Monitor settlement
08Reconcile and issue audit receipt
Audit receiptPreparing…
Liquidity retained$120,000 USDCProduct constraintsValidatedSettlementReconciled
06 / FAQs
Frequently asked questions
Treaty is issuer connectivity and financial action infrastructure for neobanks. One API handles product eligibility, issuer onboarding, transaction preparation, approval, settlement monitoring, and reconciliation—starting with tokenized U.S. Treasury products.
Ready when you are
Offer more products.Build fewer integrations.
Give your customers compliant access to tokenized asset products through one integration—from eligibility and approval to settlement and reconciliation.