Idle euros, at work.

The lightweight, compliant way to add stablecoin yield to your treasury.

Request accessSee how the policy works
day 00·100.00·— todayillustrative · indexed to 100
0.60%
Euro-area corporates, overnight
ECB · Jul 2026
~3%
EURe lending, indicative
Indicative · Sep 2026
0
Keys held by Tesoro
By design
<10s
Back in your account
SEPA Instant · 24/7

ECB euro-area corporate overnight deposit rate, July 2026. Onchain rate is indicative, variable and not guaranteed; the venue you choose publishes its own.

Why

Nothing to wait for. Nothing to reconcile.

  • No lock-up

    Available the day you need it

    There is no term to commit to and no penalty for taking it back early. Nothing is scheduled; nothing is gated.

    No term · no notice period

  • Instant liquidity

    Back in your account in seconds

    Redemption runs on SEPA Instant, which does not close. Friday evening, bank holiday, the week of year-end — it settles the same way.

    SEPA Instant · 24/7/365

  • Simple reporting

    One ledger your accountant can read

    Every movement, policy check and rejection lands in a single timestamped record. Export it and hand it over — there is nothing to reconcile by hand.

    CSV · PDF · timestamped

How it works

Four steps. You sign each one.

OFFCHAINONCHAINYour operating accountFloor stays for payablesRead-only connectionEuro tokens02 · Minted 1:1held in your nameDeployedAllow-listed venueearning01 Move03 Deploy04 Redeem on demand · under 10 secondsOFFCHAINYour operating accountFloor stays for payablesONCHAINEuro tokens02 · Minted 1:1, in your nameDeployedAllow-listed venue · earning01 Move03 Deploy04 Redeem on demand
Everything above the floor you set moves out, is minted one-for-one and deployed to a venue you allow-listed. You sign each step. Ask for it back and it lands in your account in seconds, any day of the week.

The mandate

You write the policy. The chain enforces it.

Two kinds of rule — when to act, and where money is allowed to go. You set both, once.

OffchainCodified treasury management

When to act

Thresholds, the floor and the calendar. Tesoro watches your balance and tells you when it crosses a line you drew. You decide whether to act, and sign if you do.

  • alert when balance > 1,000,000 EUR
  • hold floor 120,000 EUR for payables
  • no alerts within 3 days of payroll
  • remind to return on the 28th
  • you sign, or nothing moves
OnchainEnforced by your wallet

Where it can go

Venues, concentration and payout addresses. These are not settings Tesoro promises to respect — they are a transaction guard on your wallet, and they hold against every signer, including you.

  • venues: Aave V3 EURe market only
  • max 70% in any single protocol
  • withdraw only to your own IBAN
  • no LP or leveraged positions
  • anything else reverts
CustodyIn bounds

Your funds sit in a wallet only you can sign for

Tesoro is not a signer. It prepares a transaction that satisfies your onchain rules and hands it to you; you sign it, or you don’t. A transaction guard on your wallet checks every movement against the venue and address allowlist — including the ones you sign yourself. Anything outside it is not queued for review by anyone. It reverts.

Stop using Tesoro tomorrow and your position is still yours, still where you left it. There is nothing to revoke.

Your walletExample · 09 Oct 2026
WALLET   eth:0x7a3f…c210SIGNERS  2 of 3 · none are TesoroGUARD    venue + address allowlist PROPOSE  Curve EURe/EURC LP   180,000.00GUARD    venue not in allowlistREVERT   OUT OF BOUNDS — no funds moved

Proof

It ran by itself. Here's the ledger.

Every movement, every policy check, every rejection — written down, timestamped, and exportable. Your auditor gets the same view you do.

tesoro · mandate log · account EU-0417Example account; figures illustrative
Example mandate log showing a sweep, a policy rejection and a redemption
TimestampOperationDetailAmount EUR 
2026-10-07 08:14:02BALANCEQonto EUR412,880.00
2026-10-07 08:14:02POLICYfloor 120,000 · cap 300,000 · max share 70%
2026-10-07 08:14:03ELIGIBLE292,880.00IN BOUNDS
2026-10-07 08:31:47SIGNEDfinance director · 2 of 3you
2026-10-07 08:31:53SEPA-INST→ Monerium IBAN292,880.006.4s
2026-10-07 08:31:55MINTEURe 1:1292,880.00€0.00
2026-10-07 08:31:58DEPLOYAave V3 · EURe292,880.00supplied
2026-10-09 11:02:41PROPOSECurve EURe/EURC LP180,000.00
2026-10-09 11:02:41GUARDvenue not in allowlist
2026-10-09 11:02:41REVERTOUT OF BOUNDS — no funds moved
2026-10-09 16:40:04SIGNEDfinance director · 2 of 3you
2026-10-09 16:40:12REDEEMEURe → EUR84,200.00
2026-10-09 16:40:19SEPA-INST→ Qonto84,200.007.1s
Deployed
208,680.00
Accrued
412.18
Floor held
120,000.00

One line in that log is amber. It is the line where your policy refused a trade — and that is the line worth reading twice. Two lines say SIGNED, and both are you. The software did not decide. It enforced.

The gap

Euro-area companies earn 0.60% overnight. The ECB pays their banks 2.50%.

That difference has been the bank’s to keep. Tesoro puts the decision back where it belongs: your wallet, your venue, your signature.

Request accessSee the ledger

ECB euro-area corporate overnight deposit rate, Jul 2026 · ECB, effective 16 Sep 2026