Banking, wallets, yield, and payments — combined, with a co-pilot that handles the busywork.
Most SMBs leave operating cash idle. SYSTM keeps your treasury earning in the background while staying fully available for payroll, suppliers, and day-to-day spend.
Liquidity when you need it. Growth while you wait.
From deposit to earnings to everyday spend — your treasury runs quietly in the background.
Add money the same way you always do — directly from your bank or wallet.
Any surplus cash automatically earns — while keeping enough ready for day-to-day spending.
Use your business card anywhere. If you need funds, they're there instantly.
Work smarter, not longer.
SYSTM's built-in CFO can save you 8hrs/week and thousands in
avoidable costs each year.
When money is sitting still, SYSTM puts it to work. It keeps enough for bills — and moves the rest into earnings automatically.
Spots unused tools, duplicate software, and projects running over budget — before they hurt your margins.
Shows upcoming bills, payroll, and cash gaps early — so nothing catches you off guard.
Reads invoices, schedules payments, and keeps your books in sync — without spreadsheets.
Move, spend, and manage your money globally — with structure built in.
Fiat and stablecoins live side by side in one dashboard. Send, receive, and move funds globally — without switching tools.
One unified ledger. Full visibility at all times.Use your business debit card to spend directly from your balance — anywhere cards are accepted.
No manual conversions. No extra steps. Just spend.Every transaction — card, transfer, or swap — is logged automatically and synced to your accounting tools.
Clean books. Clear controls. No reconciliation headaches.SYSTM is currently onboarding agency founders and SMBs for early access. Be among the first to put your idle cash to work.
Request Early Access