Every rail, every balance, one treasury.
Card, ACH, wire, and USDC balances across every entity — in one ledger. Move money between rails, sweep to operating, and reconcile in real-time without leaving the screen.
Everything Unified Treasury needs to ship — in the box.
One ledger, every rail
Card, ACH, wire, and stablecoin balances unified in a single double-entry ledger. Every credit and debit is typed, traceable, and reconcilable.
Cross-entity sweep
Sweep funds between sub-merchants, entities, and operating accounts on a schedule or on demand. Approval rules per amount, per entity, per rail.
Same-day USD settlement
Batches submitted by 3pm Pacific settle to your linked bank the same day. Stablecoin receipts roll up to the same USD position automatically.
Automated reconciliation
Every receipt matched to its source — card auth, ACH credit, USDC deposit. Webhook + API surface for direct ERP write-back to NetSuite or QuickBooks.
Money movement across every rail
Move funds where they need to go — transfers, sweeps, and payouts across card, ACH, and stablecoin rails, all from one place.
Audit-ready by default
Immutable journal, full reversal history, and exportable audit trails. Built for finance teams that have to answer to a bank, an auditor, and a board.
Treasury operations, across every rail.
Every rail, every balance, every entity — surfaced in one place. The screens below are what your team works from.
ACH and bank rails, unified.
Pull every ACH credit and debit across entities into one ledger. Match incoming wires to invoices automatically; flag exceptions before they hit the close.
- Same-day ACH supported
- Cross-entity reconciliation
- Exception flags pre-close
Crypto wallets, accounted for.
USDC, USDT, ETH, BTC — held in custodial or self-custody wallets and reconciled into the same ledger as fiat. Sweep idle stablecoin to operating in one click.
- 8 chains supported
- Auto-sweep rules
- Fiat-pegged ledger entries
Transactions, traceable end-to-end.
Every transfer carries a full trail — counterparty, intent, approval chain, settlement. Drop into the raw ledger or roll up to a CFO-ready summary in two clicks.
- End-to-end trace per txn
- Approval-chain visibility
- Per-entity exports
# Sweep idle balance from a sub-entity to operating curl https://api.bighqs.com/v1/treasury/transfers \ -H "Authorization: Bearer $BIG_API_KEY" \ -d from_entity=ent_subA \ -d to_entity=ent_operating \ -d rail=ach \ -d amount_usd=125000.00 # → returns transfer_id + ledger entries
Connects to the tools you already run.
The technical questions worth answering up front.
Two weeks from sandbox to first transaction.
API keys in 24 hours. Reference implementations for the three most common integration shapes. Named integration engineer in your Slack.