> 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/readme.md).

# README

## Billz Pro Hybrid Execution Infrastructure for Crypto Treasury

Billz provides **hybrid crypto-to-fiat execution infrastructure** for businesses and individuals.

**Primary focus:** **Billz Pro** (business-first)\
**Secondary:** Billz (personal use, intentionally lighter documentation)

{% hint style="info" %}
**Positioning**\
Crypto-native in capital logic.\
Fintech-aligned in execution
{% endhint %}

```mermaid
flowchart LR
    A[On-chain Treasury] --> B[Billz Pro Orchestration]
    B --> C[Compliance & Risk Controls]
    C --> D[SEPA EUR]
    C --> E[ACH USD]
    B --> F[Proof & Reconciliation]
    A -. Optional .-> G[Vault]
    A -. Optional .-> H[Collateralized Liquidity]
```

## What Billz Pro is built for

Billz Pro is designed for operators who:

* hold treasury in crypto
* need to pay real-world obligations in fiat
* require **execution clarity** (not just a cash-out path)
* want a **compliance-aware** route into regulated rails

### Supported execution rails (high-level)

* **EUR via SEPA**
* **USD via ACH**

### Core product themes

* **Execution-first** payment workflows
* **Proof-oriented** documentation and reconciliation artifacts
* **Collateralized liquidity** workflows (lending/borrowing-based, where applicable)
* **Optional Treasury Vault** (market-driven, up to 10% APY)
* **Enterprise posture** (KYB, controls, documentation)

***

## Recommended reading order

### Billz Pro (business-first)

1. [Overview](/billz-pro/overview.md)
2. [Why Billz Pro](/billz-pro/why-billz-pro.md)
3. [Why Billz Pro vs Traditional Off-Ramps](/billz-pro/why-vs-offramps.md)
4. [Why Non-Custodial Matters](/billz-pro/why-non-custodial-matters.md)
5. [How It Works](/billz-pro/how-it-works.md)
6. [Capital Efficiency, Collateral & Lending/Borrowing](/capital-efficiency-lombard.md)
7. [Fees & Pricing Principles (Billz Pro)](/billz-pro/fees-old-version.md)
8. [Security & Compliance](/security-compliance.md)
9. [Regulatory Positioning (EU / US)](/regulatory-positioning.md)
10. [For Investors](/for-investors.md)
11. [Enterprise Onboarding & Contact](/enterprise-onboarding-contact.md)

### $BILLZ (teaser)

* [$BILLZ - Coming Soon](/usdbillz-token-overview.md)

### Billz (personal use)

* [Overview](/billz/overview.md)
* [How It Works](/billz/how-it-works.md)
* [Fees](/billz/fees.md)
* [FAQ](/faq.md)

***

{% hint style="info" %}
**Documentation boundaries**\
This documentation is intentionally high-level and strategic:

* enough detail to explain product scope and operating model
* without exposing sensitive implementation details, execution routing logic, or partner configuration

This documentation does not constitute legal, tax, or investment advice.
{% endhint %}