> For the complete documentation index, see [llms.txt](https://docs.bill-z.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bill-z.com/billz-pro/product-overview.md).

# product overview

Billz Pro combines **execution infrastructure** and **treasury-oriented capital logic**.

## Core product pillars

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#### Payments (Crypto -> Fiat Execution)

Billz Pro supports:

* **SEPA (EUR)**
* **ACH (USD)**

Use cases include vendor invoices, rent, utilities, and recurring operating expenses.
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{% step %}

#### Proof & Reconciliation

Billz Pro standardizes execution artifacts for finance workflows:

* recipient snapshot
* amount / currency
* reference / memo (when supported)
* timestamps
* identifiers for reconciliation
* confirmation summary
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#### Capital Efficiency (Collateral + Lending/Borrowing)

Billz Pro can support workflows where operators:

* post crypto as collateral,
* access liquidity via lending/borrowing,
* and route liquidity toward fiat execution.
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#### Treasury Vault (Optional Yield Layer)

An optional treasury optimization layer:

* **market-driven**
* **up to 10% APY**
* **not guaranteed**
* risk-bearing
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***

{% hint style="info" %}

### Public documentation boundary

This documentation explains the **operating model** and **positioning**.\
It does not disclose:

* partner stack details,
* execution routing logic,
* protocol configuration,
* policy thresholds.
  {% endhint %}