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Welcome to the paradox of company cash management. For every company, cash is both a lifeline and a liability. It pays salaries, secures suppliers, and anchors confidence - yet it quietly loses value every single day.

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The problem

Most treasurers are stuck choosing between underwhelming options:
  • Bank deposits: Safe, but earning next to nothing. In a world of persistent inflation, parked cash is shrinking cash.
  • T-Bills and money market funds: Marginally better, yielding 1–4% in recent years. But these products were designed for a slower era. Redemption delays, rigid structures, and underwhelming returns make them a poor fit for businesses that need both safety and agility.
  • Equities and broader markets: Averaging ~9% a year over the long run. Great on paper, disastrous in practice. What looks like yield one month can turn into a loss the next - unacceptable for funds meant to safeguard a business.
So company cash ends up exactly where it has always been: safe, stagnant, and silently eroded by inflation.

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Byzantine Prime

Byzantine Prime is a digital credit product designed to help companies and investors earn safe, predictable returns on their cash or digital assets. Assets are deployed only into blue-chip, overcollateralised credit opportunities - lending markets where every loan is backed by more collateral than the loan itself. Byzantine Prime permits instant deposits and withdrawals, making it both a safe choice for corporate treasuries and a preferred option for short-term capital allocations. Think of it as a high-quality savings account or money market fund, built on transparent blockchain technology, with roughly double the returns.
Byzantine Prime is built to deliver money-market-fund-level safety, returns comparable to investment-grade credit, and modern 24/7 liquidity - without forcing treasurers to compromise between performance and trust.

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What Byzantine Prime offers

  • Predictable returns: Target yield of the Federal Funds Rate (for USD products) or European Central Bank rate (for EUR products) plus 400 basis points - approximately 8% per year. Returns are daily and driven by lending activity, not speculation.
  • Overcollateralised lending: Assets are deployed only into credit markets where every borrower has posted more collateral than they borrow, dramatically reducing counterparty risk. See Overcollateralisation & liquidation.
  • 24/7 liquidity: Assets are always accessible. Withdrawals settle in under a minute with no lock-up periods, no notice requirements, and no withdrawal fees.
  • Institutional-grade compliance: Strategy managed by Keyrock, a regulated Digital Asset Service Provider (DASP) registered with the French Autorité des Marchés Financiers (AMF), operating under full Anti-Money Laundering (AML), Know Your Customer (KYC), and Markets in Crypto-Assets Regulation (MiCA) frameworks.
  • Custody and insurance: Institutional-grade custody and optional insurance covering 100% of invested capital.
  • Active risk monitoring: Continuous rebalancing and real-time threat detection by Hypernative to preserve capital.
  • Transparent reporting: Real-time portfolio and performance visibility, with tax reporting available via API.

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How it works in brief

Your funds are deposited into a smart contract vault - transparent, audited code on the blockchain. This vault automatically routes capital into established lending markets (Morpho, Aave, Maker/Sky), where institutional borrowers pay interest in exchange for collateralised loans. That interest flows directly back to you. At no point does Byzantine hold your funds. Your assets are in your own wallet and in the lending markets - governed by audited code, not by anyone’s discretion. For a full walkthrough of how funds flow, see How it works.

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Our company

Byzantine Finance was founded to give companies and investors access to digital credit markets - with the compliance, custody, and reporting infrastructure that institutional use requires.