TreasuryProof
Small and middle-market companies become more bankable by converting treasury operations into lender-readable evidence.
01 · Command Telemetry
Company DNA
- Founder
- Dan
- Co-Founder
- Grace
- Assigned To
- C.
- Sector
- Banking / Treasury
- Current Stage
- Pilot
- Next Milestone
- Treasury Dashboard
- Board
- Dan · Grace · C.
- Headcount
- —
- Cash
- —
- Burn
- —
- Receipts
- —
State Transitions
- ◉Milestone Created2024-11-20complete
- ◉Discovery Complete2025-03-04complete
- ◉MVP2025-06-11complete
- ◎Pilot2025-09-08active
- ○Revenue—pending
- ○Seed Ready—pending
- ○Series A—pending
Risks
- ▲Covenant review pending
- ▲Enterprise procurement cycles
Roadmap
- ›13-week cash forecast GA
- ›Liquidity report receipts
Capital Readiness
02 · Commercial Playbook
Core Value Proposition
Eliminates manual spreadsheet reconciliation during reporting intervals by cryptographically tying borrowing-base calculations and covenant status metrics to authorized bank API signatures.
Tone — Severe, secure, load-bearing, terse.
Target Audience
Commercial lenders, business owners and corporate controllers.
Target Buyer
Corporate controllers running continuous treasury monitoring.
Target Reviewer
Lenders requiring continuous compliance verification of borrower portfolios.
Developer Wedge
A secure webhook listener that intercepts banking API transfers, verifies payload schemas and issues signed receipts.
First Receipt Primitive
treasuryproof.liquidity — signed bank balance attestations, debt-service coverage ratios and covenant validation states.
03 · Venture Artifact Studio
MVP Use Case
A company produces a verified weekly liquidity and covenant packet containing cash position, receivables, payables, borrowing-base inputs, covenant status and management approval.
Small and middle-market companies become more bankable by converting treasury operations into lender-readable evidence.
Phase 1 Artifacts
- ·Treasury operating map
- ·Community-bank reporting map
- ·Borrowing-base evidence taxonomy
- ·Covenant evidence specification
- ·Treasury-risk register
- ·Lender design-partner interview guide
- ·Initial unit economics
MVP Artifacts
- ·Treasury dashboard
- ·Weekly liquidity workflow
- ·Cash-position receipt
- ·Covenant-status receipt
- ·Receivables evidence receipt
- ·Lender packet export
- ·Local verifier
- ·Simulated borrower and lender accounts
V1 Artifacts
- ·Bank account ingestion
- ·Receivables aging import
- ·Covenant configuration
- ·Borrowing-base calculation evidence
- ·Approval chains
- ·Exception receipts
- ·Multi-lender packet formats
- ·API for treasury and vertical-fintech developers
VC-Readiness Proof
- ·Time required to generate lender reporting
- ·Reduction in missing lender documentation
- ·Frequency of verified treasury packets
- ·Design-partner lender feedback
- ·Willingness to pay by facility size
- ·Expansion from one packet into recurring treasury monitoring
Investor Narrative
TreasuryProof makes cash, runway, covenants, receivables, borrowing bases and working-capital claims independently reconstructable.
Gate Path
- G1Gate 1 — Thesis ReadyThe specific workflow · The evidence failure · The developer user · The economic buyer · Why the founder is suited to solve it · Why the startup should exist independently
- G2Gate 2 — MVP ReadyOne Rails workflow · One Rust receipt family · One local verification path · One Evidence Room export · One developer quickstart · One design-partner use case
- G3Gate 3 — Pilot ReadyExternal acceptance criteria · Integration documentation · Measurable baseline · Commercial terms · Claims boundaries · An explicit end-of-pilot decision
- G4Gate 4 — V1 Venture ReadyProduct functionality · Developer adoption · External workflow completion · Verified artifacts · Willingness to pay · Repeatability and expansion potential · Capital requirements
Phase Timing
- Phase 0 — Founder-Market ThesisWorkshop kickoff9 artifacts
- Phase 1 — Pre-MVP Venture Thesis PackWeeks 1-210 artifacts
- Phase 2 — MVP Artifact PackWeeks 3-620 artifacts
- Phase 3 — Pilot-Ready Artifact PackWeeks 6-923 artifacts
- Phase 4 — V1 Venture-Readiness PackWeeks 9-1231 artifacts
04 · Artifact Pricing Studio
Artifact Pricing Studio
05 · MVP → V1 Transition
MVP Boundary
Manual CSV upload and parsing of bank ledger balances.
V1 Expansion Strategy
Direct Plaid and bank API integrations, programmatically signing cash balances, AR/AP aging metrics and borrowing-base parameters.
Pricing Model Application
$1,500/month Team Workspace for continuous treasury monitoring. $25,000 annual Assurance Pack for lenders verifying borrower portfolios.
C = 2.5 — high consequence
06 · Receipts & Decision Queue
Recent Receipts
- 10:41Cash Position ReceiptVerified
- 13:29Covenant Review ReceiptVerified
Decision Queue — C.
- Covenant ReviewCovenant Receipt #6High Risk
- Cash ForecastCash Receipt #44Needs Approval
07 · Pre-Seed Data Room
Minimum investor-ready set — 18 items
- Incorporated entityPENDING
- EINPENDING
- Founder stock and vesting documentationPENDING
- Complete IP assignmentPENDING
- Clean cap tablePENDING
- Bankabil license agreementPENDING
- Investor deckPENDING
- One-page overviewPENDING
- Two-page investment memoPENDING
- 24-month financial modelPENDING
- Use-of-funds planPENDING
- Product requirements documentPENDING
- Workflow diagramPENDING
- First receipt schemaPENDING
- Demo Evidence RoomPENDING
- At least 15 customer interviewsPENDING
- At least three design-partner lettersPENDING
- Product-specific claims-limitation documentPENDING
Bankabil Technology License and Services Agreement
Establishes that TreasuryProof, Inc. is diligenceable on its own: investor rights here create no rights in any other cohort company.
- ›Bankabil owns or controls the shared Rails/Rust infrastructure.
- ›The startup receives a defined license to use it.
- ›The startup owns its customer relationships and domain-specific workflow.
- ›Domain-specific product improvements are clearly allocated.
- ›Shared-kernel improvements are clearly allocated.
- ›Hosting, security, maintenance, service levels and fees are defined.
- ›No startup automatically owns another startup’s product data or intellectual property.
- ›Investor rights in one startup do not create rights in the others.
01 · Company formation and ownership
Each independent legal entity needs its own EIN and corporate records. The IRS issues EINs directly and charges no application fee.
- Certificate of incorporationPENDING
- BylawsPENDING
- Initial board consentPENDING
- Founder stock purchase agreementPENDING
- Founder vesting schedulePENDING
- Intellectual-property assignment agreementPENDING
- Proprietary information and inventions agreementPENDING
- Founder roles and responsibilities memoPENDING
- Current capitalization tablePENDING
- Fully diluted capitalization tablePENDING
- Stock ledgerPENDING
- Option-pool plan or proposed option-pool memoPENDING
- EIN confirmationPENDING
- Business bank account confirmationPENDING
- State registrations and foreign qualifications, where applicablePENDING
- Beneficial ownership and corporate-record checklistPENDING
- Conflict-of-interest disclosurePENDING
- Related-party transaction disclosurePENDING
02 · Fundraising materials
For a SAFE financing, use a recognized form adapted by company counsel. A Regulation D offering generally requires a Form D notice filed through EDGAR after the first sale; counsel determines the correct federal and state process.
- 10–12 slide investor deckPENDING
- One-page company overviewPENDING
- Two-page investment memoPENDING
- Founder-market-fit narrativePENDING
- “Why now?” memoPENDING
- Market mapPENDING
- Competitive landscapePENDING
- Business-model summaryPENDING
- Go-to-market planPENDING
- Initial customer pipelinePENDING
- Fundraising target and use-of-funds planPENDING
- Milestone-based financing planPENDING
- Investor FAQPENDING
- Risk-factor memoPENDING
- Current fundraising-status trackerPENDING
- Investor outreach listPENDING
- Warm-introduction mapPENDING
- Follow-up and diligence trackerPENDING
- Financing instrument summaryPENDING
- Draft SAFE or other financing instrument reviewed by counselPENDING
- Pro forma post-financing cap tablePENDING
03 · Product definition
Every company answers the same eleven questions: company name, product name, founder-market fit, primary buyer, primary reviewer, repeatable workflow, first receipt primitive, Evidence Room contents, pricing wedge, MVP boundary, claims limitation.
- Product requirements documentPENDING
- Product thesisPENDING
- Target-customer profilePENDING
- Buyer-versus-reviewer mapPENDING
- Workflow specificationPENDING
- Receipt schema specificationPENDING
- Evidence Room specificationPENDING
- MVP scope documentPENDING
- Explicit non-goals documentPENDING
- Claims-limitation documentPENDING
- User-permission matrixPENDING
- Data-source inventoryPENDING
- Integration roadmapPENDING
- Product roadmap for the next 12 monthsPENDING
- Demo scriptPENDING
- Demo acceptance criteriaPENDING
04 · Customer discovery and commercial proof
A letter of intent should identify intended workflow, expected users, demo or pilot period, evidence to be generated, success criteria, proposed commercial price, data-access limitations, and a statement that the letter is nonbinding unless counsel specifies otherwise.
- Minimum of 15 documented customer interviewsPENDING
- Interview notesPENDING
- Interview consent and attribution statusPENDING
- Pain-point frequency matrixPENDING
- Current-workflow diagramPENDING
- Current-tool and substitute analysisPENDING
- Willingness-to-pay findingsPENDING
- Buyer-budget-owner analysisPENDING
- Procurement-path memoPENDING
- Reviewer-requirements summaryPENDING
- Design-partner target listPENDING
- At least three design-partner lettersPENDING
- At least one pilot letter of intentPENDING
- Customer pipeline spreadsheetPENDING
- Objection logPENDING
- Lost-customer or declined-pilot logPENDING
- Pricing-interview summaryPENDING
- Initial channel-partner listPENDING
05 · Demo dataset and Evidence Room
Each company needs a synthetic but realistic first demo company. Never copy private data from a real person or organization without authorization.
- Demo-company profilePENDING
- Demo user personasPENDING
- Demo workflow timelinePENDING
- Synthetic source documentsPENDING
- Data dictionaryPENDING
- Ground-truth answer keyPENDING
- Expected receipt hashesPENDING
- Expected signature outputsPENDING
- Invalid or tampered-document examplesPENDING
- Demo verification test casesPENDING
- Reviewer walkthroughPENDING
- Claims-limits filePENDING
- Demo READMEPENDING
- Sample ProofMail messagePENDING
- One-click or scripted verification instructionsPENDING
06 · Technical architecture and security
Boundary stays fixed — Rails: human workflow, state, permissions, intake and presentation. Rust: canonicalization, hashing, signing and deterministic receipt generation. Evidence Room: reviewable artifacts and source manifest. ProofMail: controlled external handoff.
- System architecture diagramPENDING
- Rails workflow architecturePENDING
- Rust trust-kernel architecturePENDING
- Rails-to-Rust API contractPENDING
- Canonicalization specificationPENDING
- SHA-256 hashing specificationPENDING
- Ed25519 signing specificationPENDING
- TLV schema specificationPENDING
- JSON receipt specificationPENDING
- Key-generation procedurePENDING
- Key-storage and rotation policyPENDING
- Signing-authority policyPENDING
- Verification procedurePENDING
- Evidence-retention policyPENDING
- Tenant-isolation architecturePENDING
- Role-based access-control matrixPENDING
- Audit-log specificationPENDING
- Incident-response planPENDING
- Data-backup and recovery planPENDING
- Threat modelPENDING
- Abuse-case analysisPENDING
- Software bill of materialsPENDING
- Open-source license inventoryPENDING
- Penetration-test roadmapPENDING
- Security and privacy FAQPENDING
07 · Financial model
The model must separate customer revenue, Bankabil license or service expense, cloud and verification costs, implementation labor, customer support, sales costs and company-specific legal/compliance costs.
- 24-month monthly operating modelPENDING
- Five-year annual summaryPENDING
- Headcount planPENDING
- Product-development budgetPENDING
- Hosting and infrastructure assumptionsPENDING
- Bankabil licensing or shared-services expensePENDING
- Sales and marketing budgetPENDING
- Legal and compliance budgetPENDING
- Insurance budgetPENDING
- Gross-margin modelPENDING
- Customer-acquisition-cost assumptionsPENDING
- Contract-value assumptionsPENDING
- Sales-cycle assumptionsPENDING
- Churn and renewal assumptionsPENDING
- Cash-burn schedulePENDING
- Runway calculationPENDING
- Financing requirementPENDING
- Base, downside, and upside scenariosPENDING
- Use-of-funds schedulePENDING
- Milestones unlocked by the roundPENDING
- Founder salary assumptionsPENDING
- Capitalization model before and after financingPENDING
08 · Legal, claims, privacy, and compliance
Conduct federal and common-law trademark clearance before committing to a company or product name. The USPTO recommends searching its trademark database before applying for registration.
- Master claims-limitation policyPENDING
- Product-specific claims matrixPENDING
- Approved product languagePENDING
- Prohibited product languagePENDING
- Terms of servicePENDING
- Privacy policyPENDING
- Data-processing addendumPENDING
- Customer agreementPENDING
- Pilot agreementPENDING
- Design-partner agreementPENDING
- Confidentiality agreementPENDING
- Subprocessor listPENDING
- Data-retention schedulePENDING
- Data-deletion policyPENDING
- Security addendumPENDING
- Customer-content ownership clausePENDING
- AI-use disclosurePENDING
- Synthetic-data disclosurePENDING
- No-professional-advice disclaimerPENDING
- Insurance requirements memoPENDING
- Trademark clearance reportPENDING
- Patent/trade-secret strategy memoPENDING
Demo Evidence Room — file manifest
Canonical
- README.mdPENDING
- claims_limits.mdPENDING
- receipt.jsonPENDING
- receipt.tlvPENDING
- verification_result.txtPENDING
- source_evidence_manifest.csvPENDING
- reviewer_packet.pdfPENDING
- developer_quickstart.mdPENDING
Required additions
- demo_data_license.mdPENDING
- synthetic_data_disclosure.mdPENDING
- expected_results.jsonPENDING
- tamper_test_results.txtPENDING
- receipt_schema.jsonPENDING
- public_key.pem (or documented public-key format)PENDING
Product & market documents
- TreasuryProof_Product_Thesis.pdfPENDING
- cash_snapshot_to_authorized_payment_Workflow.pdfPENDING
- TreasuryProof_Buyer_Profile.pdfPENDING
- TreasuryProof_Reviewer_Profile.pdfPENDING
- TreasuryProof_Competitive_Map.pdfPENDING
- TreasuryProof_Pricing_Memo.pdfPENDING
Workflow documents
- Workflow specification — cash_snapshot_to_authorized_payment.v1PENDING
- Buyer intake form — Corporate controllers running continuous treasury monitoring.PENDING
- Reviewer requirements summary — Lenders requiring continuous compliance verification of borrower portfolios.PENDING
- Authorization and closing-authority matrixPENDING
- Reviewer packet templatePENDING
First receipt schemas
- treasuryproof_liquidity_receipt.schema.jsonPENDING
Evidence Room contents
- README.mdPENDING
- claims_limits.mdPENDING
- receipt.jsonPENDING
- receipt.tlvPENDING
- verification_result.txtPENDING
- source_evidence_manifest.csvPENDING
- reviewer_packet.pdfPENDING
- developer_quickstart.mdPENDING
Commercial documents
- Order form — $1,500/month Team Workspace for continuous treasury monitoring. $25,000 annual Assurance Pack for lenders verifying borrower portfolios.PENDING
- Design-partner agreementPENDING
- Pilot statement of workPENDING
- Channel-partner referral memoPENDING
MVP and demo dataset
- MVP boundary — Manual CSV upload and parsing of bank ledger balances.PENDING
- V1 expansion — Direct Plaid and bank API integrations, programmatically signing cash balances, AR/AP aging metrics and borrowing-base parameters.PENDING
- Developer wedge — A secure webhook listener that intercepts banking API transfers, verifies payload schemas and issues signed receipts.PENDING
- Synthetic demo company profile (not yet drafted)PENDING
- Tamper-test case set (not yet drafted)PENDING
Claims limitation
- ✕Scope limited to the MVP boundary: Manual CSV upload and parsing of bank ledger balances.
- ✕Does not provide legal, tax, audit or investment advice
- ✕Does not guarantee outcomes, funding or revenue
- ✕Verifies integrity, sequence, authorization and identified source relationships only
Recommended creation order
Weeks 1–2
Legal and thesis
- ·Incorporate each entity.
- ·Execute founder and IP documents.
- ·Finalize the Bankabil license structure.
- ·Write the one-page thesis for each startup.
- ·Confirm buyer, reviewer, workflow, receipt, MVP and claims boundary.
Weeks 3–4
Customer evidence
- ·Conduct 15–20 interviews per company.
- ·Obtain three design-partner letters.
- ·Validate pricing.
- ·Record reviewer requirements.
- ·Refine the workflow and MVP.
Weeks 5–6
Demo Evidence Rooms
- ·Build each synthetic demo dataset.
- ·Generate first receipts.
- ·Create tamper-test cases.
- ·Produce reviewer packets.
- ·Record concise product demos.
Weeks 7–8
Fundraise room
- ·Finish decks and investment memos.
- ·Complete financial models.
- ·Prepare use-of-funds schedules.
- ·Finalize draft financing documents with counsel.
- ·Open separate investor data rooms.
- ·Begin targeted introductions.