> 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/treasury-vault.md).

# treasury vault

The Billz Pro Vault is an **optional treasury yield layer** designed for idle capital optimization.

## Why it exists

Treasury often sits idle between:

* invoice cycles
* vendor payments
* monthly burn windows
* operational deployments

Vault is designed to reduce opportunity cost while preserving an execution-first mindset.

## What it is (high-level)

* optional allocation layer for surplus treasury
* **market-driven** return profile
* potential yield of **up to 10% APY**
* integrated into treasury operations framing (not retail yield marketing)

## What it is not

* not a guaranteed return product
* not risk-free
* not a substitute for treasury policy

## Mini FAQ

<details>

<summary>Is 10% APY guaranteed?</summary>

No. “Up to 10% APY” is market-driven and non-guaranteed.

</details>

<details>

<summary>Is Vault mandatory to use Billz Pro?</summary>

No. Vault is optional.

</details>

<details>

<summary>Is Vault investment advice?</summary>

No. Billz does not provide investment advice.

</details>