01
Accounts that behave like ledgers
Every sub-account has its own balance, its own rules, and its own audit trail. No spreadsheets pretending to be infrastructure.
One ledger
Cash you can actually see
Live balance, categorised spend and the last five movements — the same view your board gets, without a monthly export.
Net cash position
Thousands of USD · rolling 12 months · Jul 2026
19 moRunway at current burn
$186kNet burn, July
+9.1%Position vs June
Where it went
July · thousands of USD
Last movements
Payroll — 34 people−128,400.00Today, 09:02
Stripe payout+341,982.15Today, 06:41
AWS — eu-west-1−18,204.66Yesterday
Hoyt & Marsh LLP−9,500.00Yesterday
Interest, treasury+4,118.7326 Jul
Illustrative figures for a demonstration account. Yield shown net of fees and is not a forecast; Keel is a template, not a licensed institution, and nothing here is financial advice.
Why Keel
Built for the person who signs
Three decisions that make the difference between a bank account and a treasury function.
02
Treasury that moves at 04:00
Idle balance sweeps into T-bills nightly and comes back before your first payment run. You set the floor; we do not touch it.
03
Approvals with actual teeth
Policies are enforced at the rail, not in an inbox. A payment outside policy cannot be sent, not even by a founder.
Operating rhythm
From Monday cash check to Friday close
Keel connects the work around the balance: knowing what is safe to spend, approving what leaves, and giving the board a ledger that reconciles.
Know the floor before the first payment
Runway, upcoming payroll, committed bills and the treasury floor resolve into one available-to-spend figure. The answer is visible without rebuilding a spreadsheet.
Route approvals by policy, not memory
Amount, entity, counterparty and payment rail determine the path. Reviewers see the evidence with the request, and a missing approval cannot be bypassed.
Close with the ledger already reconciled
Receipts, owners and account codes travel with every movement. Exceptions remain explicit; cleared items export cleanly to the accounting system.
4 min median support reply
Same day entity verification review
CSV + API ledger export
Security
Boring on purpose, everywhere it counts.
- SOC 2 Type IIAudited annually by a Big Four firm; report available under NDA.
- Swept FDIC coverBalances distributed across partner banks for $5M of coverage.
- Hardware keys onlyNo SMS fallback, no recovery questions, no exceptions for founders.
- Payment policy at the railLimits enforced before the instruction leaves your tenancy.
Move it once.
Onboarding takes about 20 minutes · No minimum balance