Cash Management

Cash Management is Oceangate's treasury service for individuals, family offices and operating businesses. It turns the cash sitting in checking, savings and brokerage sweep accounts into a productive, fully liquid asset — earning yields that track short-term US Treasuries while remaining accessible on a same-day basis.

Idle cash is one of the most under-appreciated destroyers of real purchasing power. A $500,000 balance earning 0.1% at a legacy bank instead of a market-rate 4–5% is losing more than $20,000 of annual income to inflation and inertia. This service is designed to close that gap without introducing meaningful risk.

For businesses we structure treasury programs that ladder short-duration Treasury bills across 4-, 8-, 13-, 17- and 26-week maturities. Weekly maturities roll off automatically so you always have working capital available, and the ladder captures a materially higher yield than an overnight sweep or business savings account.

For individuals we combine multi-bank FDIC-swept programs (up to roughly $5 million in effective coverage across partner banks), laddered Treasuries and prime money-market funds. The blend is engineered to your specific liquidity profile — a family with a pending home purchase is structured differently than an executive holding a bonus reserve.

Everything is held in your own name at Charles Schwab or Fidelity brokerage, with same-day ACH and outgoing wires. There are no lock-ups, no early-withdrawal penalties, no notice periods and no gates — every dollar remains yours to move at any time.

This service is ideal for businesses with $100,000 or more of operating cash, individuals holding emergency reserves or pending large purchases, and anyone currently earning less than 4% on a checking or savings balance who wants safe, liquid, market-rate yield without opening yet another online bank account.