MEOW

Brandon Arvanaghi was a former Bitcoin Core developer and security engineer who noticed that companies were sitting on billions in idle cash earning virtually nothing. With interest rates near zero for years, nobody cared.

But when rates spiked in 2022, suddenly earning 4-5% on cash reserves became meaningful. Arvanaghi built Meow to make it trivially easy for companies to move cash into Treasury bills and money market funds.

The platform connects to a company's existing bank account and automates the process.

SaaS with fee-based pricing. Meow charges a small annual management fee on assets placed through its platform.

The fee is a fraction of the yield earned, making it a no-brainer for companies. Revenue scales with total assets under management on the platform.

Meow Cash Management (automated Treasury bill purchases). Money Market Fund Access.

High-Yield Savings Optimization. Single Dashboard (view all cash positions).

Automated Sweeps (move cash to highest-yield options automatically).

Timing the rate cycle. Meow launched just as interest rates rose from near-zero to 4-5%, making cash management suddenly relevant.

The company marketed directly to CFOs and finance teams through LinkedIn, Twitter, and fintech communities. The value proposition is mathematical — if you have $10M in cash earning 0.01% and Meow helps you earn 4.5%, the value is obvious.

Interest rate sensitivity. Meow's value proposition is directly tied to interest rates.

If rates drop back to near-zero, earning yield on idle cash becomes less compelling. Competition from banks adding similar features and from larger treasury management platforms.

Backed by QED Investors, Ribbit Capital, and various fintech angels. QED Investors led the seed round.