Idle cash quietly loses to inflation while your bank lends it onward and keeps the spread. Headwater walks you upstream — to value lent directly to the U.S. Treasury, held in your own name. We're the guide, not the bank.
Move the number to your own idle cash. This is what slips away each year, two ways at once.
Five steps from idle cash to value at its source — and a clear view of what you get back.
Watch what idle cash loses to inflation and the spread a bank quietly keeps.
Lend directly to the U.S. Treasury — bills, notes, bonds — issued in your own name.
Decide how far forward to send value. Short stays liquid; longer tends to return more.
Set aside an emergency cushion first. Only the surplus is ever deployed.
See your return measured in the only currency that doesn't inflate — hours of life.
Headwater is built non-custodial on purpose. We never hold your money — so we can never misuse it.
Your cash and securities live in your own account at a regulated brokerage partner. Headwater never takes custody, never pools funds.
You lend to the U.S. Treasury when you buy its securities. The Federal Reserve is a separate institution — we keep that line precise.
You keep 100% of what your Treasuries earn. Headwater earns from a clear subscription — never a spread on your balances.
Money is stored time. Headwater shows your projected return as hours of your life bought back — not just dollars. That's the number that actually matters.
Start free. Upgrade when you want the river to flow on its own. You always keep your full yield.
Prices illustrative for this preview. Headwater earns from subscription and disclosed partner referrals — never a spread on your balances.
In your own account, in your name, at a regulated brokerage partner (a registered broker-dealer, Member FINRA/SIPC). Headwater never holds, pools, or controls your funds or securities.
No. Headwater is a guide and a tool. Investments are not FDIC insured by Headwater, carry no bank guarantee, and may lose value. Brokerage services are provided by our partner.
No. Headwater is self-directed. Nothing in the product is investment, legal, or tax advice or a recommendation. You make your own decisions.
U.S. Treasury securities — bills, notes, and bonds, including inflation-protected options — held in your own name through the brokerage partner.
Through a clear subscription and disclosed partner referrals. We never earn a spread on your balances and never profit from deploying your money. You keep all of your yield.
No. Figures are hypothetical and illustrative, based on stated assumptions and current data. Treasuries are backed by the U.S. Government if held to maturity, but market value moves with rates and selling early can produce a gain or loss.
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