Right now
Your cash can earn, and it can move.
We’re done choosing between earning and moving. Qanvi is building the treasury platform for businesses that run 24/7.
The problem, plainly.
01Moving
Money keeps banking hours.
A week is 168 hours. Yet for many businesses, bank cutoffs, approval windows, and business-day processing still compress the usable treasury week into something close to office hours. Your business doesn’t work that way.
02Earning
Money earns only when it sits still.
Many business current accounts pay little or nothing. Put cash to work and it can earn a market-linked yield, but access can depend on fund cutoffs and settlement windows. The underlying opportunity exists either way. The question is who benefits from it.
Your business current account · typical
ECB deposit facility rate · EUR
EUR money market funds · 7-day net yield, typical
USD money market funds · 7-day net yield, typical
Reference rates as of July 2026: ECB deposit facility rate and typical EUR and USD money market fund 7-day net yields. Shown for context only. Qanvi offers no product and no rate today, and none is promised. Capital at risk.
03Scattered
Money scatters to fit the rails.
Some of it is at Bank A.
Some of it is at Bank B.
Some of it is in EUR.
Some of it is in USD.
Some of it is in stablecoin.
Some of it is invested on a platform.
Some of it sits in a guarantee account.
All of it yours. None of it together.
Not because anyone chose this. Treasury often ends up split across banks, currencies, entities, and products. So the cash spreads, and keeping up becomes its own job: reconciling what you have, and working out who gets paid when.
One balance, doing both jobs.
Move any hour.
Earn every hour you don’t.
All of it in one place.
Payroll stays liquid, suppliers get paid the day invoices clear, whatever’s left goes to work, and Monday’s reconciliation is already done. One balance, governed by rules you write.
A company of any size should be able to hold, move, and grow its treasury from one balance, at any hour, by rules it writes itself.
Cash should be able to earn every day it isn’t moving, and move when it’s needed. Weekends included.
Moving money the moment you need to shouldn’t depend on the day of the week, or the size of your balance sheet.
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The name
Qanvipronounced /ˈkan.vi/from Catalan canvi, “exchange”
The name recalls Barcelona’s Taula de Canvi (opens in a new tab), a public bank opened in 1401. It centralised municipal receipts and payments, accepted private deposits, and recorded transfers in its books.
We look back not because the future should resemble a bank from 1401, but because the way money works has been rewritten before.
The Taula was an answer for its time. Qanvi begins with a question for ours: what should business money be able to do now?
We believe this is one of those moments.