Kale — Treasury, but not boring.
Kale is the room above the storefront where the day's cash goes to work. It pulls real positions from every connected bank, brokerage, and on-chain account; computes a unified treasury view in your reporting currency; and runs your policy: minimum operating buffer, max single-counterparty exposure, target FX hedge ratio, MMF or T-bill ladder allocations, and idle-balance sweeps. Kale forecasts cash through Cabbage's billing schedule and Chard's payments queue, so you see runway as a number that updates by the hour, not the quarter.
POLICY kale.policy.v3 Effective 2026-04-01 buffer.minimum $1,200,000 (90 days payroll) fx.target.eur 40% hedged via 3M forward yield.allocation 60% T-Bills · 30% MMF · 10% USDC pool exposure.max $2.5M / counterparty sweep.daily balances >$300k → MMF tier
What it does.
8 capabilities, summarized.
- 01Multi-bank, multi-broker, multi-chain position view
- 02FX hedging with limit and stop policies
- 03MMF, T-bill, and stablecoin yield ladders
- 04Idle-balance sweeps and target-balance maintenance
- 05Counterparty exposure limits
- 06Cash-flow forecasting from Cabbage + Chard signals
- 07Investment allocation engine with policy-as-code
- 08Treasury attestations for board reporting
The technical surface.
- Audience
- both
- APIs
- REST · GraphQL · MCP
- Standards
- FBO · Reg D · Reg J · ISDA
- Partners
- Modern Treasury · Brex · Mercury · Coinbase Prime · Anchorage
What it works with.
Chard — Payment routing without lock-in.
A provider-agnostic payment router. Cards, ACH, SEPA, wires, RTP, FedNow, and on-chain settlement — orchestrated through a single contract with smart fallback, dispute mediation, and refund logic.
Cabbage — Billing for businesses with weather.
Subscription, usage, hybrid, prepaid, postpaid, milestone, contract, and one-off billing — with proration, dunning, revenue recognition, and an invoice engine that produces documents you'd actually mail.
Branches — Bank connectivity that doesn't break on Mondays.
Plaid, MX, Teller, Finicity, and direct ISO 20022 connectivity to banks. Branches gives you authoritative balances, statement reconciliation, ACH origination, and wire instructions.