Fonder AI Investments is a cash-flow-aware AI treasurer that identifies truly idle corporate cash, invests it into institutional on-chain yield, and brings it back before the business needs it.
82% of small and mid-market businesses fail because of cash-flow problems — and the ones that do have cash to spare usually leave it idle, or invest it manually through disconnected banks and funds. Last month, one Fonder customer moved 750 million pesos (~$500K) into a traditional fund by hand, through their bank, simply because there was no better option.
Fonder is already connected to each customer's banks, ERP, and accounting systems, so it always knows today's cash position and can predict tomorrow's. This weekend, we built the layer that acts on that intelligence: Fonder AI Investments. Our AI agent calculates the exact "GAP" — the cash that's genuinely idle between today and the next payment obligation — protects the operating buffer, and decides how long that capital can safely stay invested.
That capital moves from the client's own on-chain wallet into Arkonix's Sentinel Carry vault on Arbitrum, earning a blended 14–26% target APY from a real-world-asset base layer plus a delta-neutral carry strategy, and is automatically redeemed before the money is needed — no manual transfers, no cutoff windows. Fonder only instructs; it never holds the funds, and every limit is enforced on-chain and owned by the client.
In Argentina, this is already live through our banking partner BIND — the same bank that banks Binance and Coinbase — proving the on/off-ramp works today, not just in theory. The same architecture works in every country we operate in, including the US.
Fonder has been live for 8 months, operates in 7 countries, and is growing 40%+ month over month. This weekend's build turns our existing cash-flow intelligence into an autonomous, on-chain investment engine — the next step toward an AI treasurer that doesn't just report on a company's cash, but actively manages it.
We designed and shipped the full product flow, end to end: a GAP timeline that shows the customer exactly how many days and how much cash are free, a coverage bar that separates committed payments from the safety buffer from what's truly investible, risk-scenario selection with a live return simulation, and a one-tap confirmation that executes the investment. On-chain, we built the enforcement layer that makes that flow safe to automate: our AI allocation engine proposes the transaction, a delegated signer submits it, and a TreasuryRegistry + TreasuryGuard contract on Arbitrum One checks it against limits the customer set and owns — the contract can only pass or revert, never widen those bounds. Once it passes, a Crossmint smart wallet — funded by, and belonging to, the client, never Fonder — executes the deposit into Arkonix's ERC-7540 vault, and an auto-claim cron settles and redeems each epoch on schedule. And like every feature in Fonder, we connected it to our WhatsApp bot: customers get notified the moment an investment opportunity is detected, confirm it right there in the same WhatsApp thread they already use to run their treasury, and get notified again automatically when the money is redeemed. By the end of the weekend we had a working round trip: GAP detected → policy checked on-chain → deposited into Arkonix on Arbitrum → redeemed back to the client's wallet before the payment date — confirmed and reported over WhatsApp, with no new app or integration for the customer to adopt.
500k pre-seed round. 41% committed.
