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Frequently Asked Questions
Answers to the questions we hear most often from finance teams evaluating Ledger Circle for their idle business cash. If your question isn't covered here, request a briefing and we'll walk through the specifics with you directly.
What is Ledger Circle and who is it built for?
Ledger Circle is a capital allocation service for businesses holding operating cash that sits idle between planned uses. It is designed for finance teams and business owners who want their reserves working continuously, without locking funds into fixed terms or sacrificing access when circumstances change.
How is this different from a fixed-term deposit?
Fixed-term products ask you to commit capital for a set period in exchange for a rate, with penalties for early withdrawal. Ledger Circle is structured around continuous liquidity: allocation decisions are made predictively and reserves remain accessible, rather than being locked behind a maturity date.
How quickly can funds be accessed if needed?
Liquidity is a core design principle, not an exception process. Exact access timelines depend on account configuration and the specific allocation in place at the time, which we review in detail during onboarding and briefing calls.
What is the minimum amount required to get started?
Minimums depend on account structure and current onboarding terms. Rather than publish a figure that may not reflect your situation, we recommend requesting a briefing so we can confirm what applies to your business.
How does Ledger Circle manage risk?
Allocation decisions follow a defined risk framework that prioritizes capital preservation and liquidity alongside return. Risk parameters, diversification rules, and monitoring processes are outlined in more detail during the onboarding conversation, so each business understands exactly how its reserves are being managed.
Is my capital guaranteed against loss?
No allocation strategy can offer an absolute guarantee against loss, and we do not represent Ledger Circle as risk-free. We are transparent about the mechanics and constraints of the approach so you can make an informed decision for your business.
What information do you need from my business to begin?
Onboarding typically starts with a conversation about your current cash position, liquidity needs, and timeline. Any documentation requirements are explained at that stage rather than listed generically here, since they can vary by business structure.
Can I adjust my allocation after setup?
Business cash needs change, and the service is built with that in mind. Specific adjustment options and any associated timing considerations are reviewed with you directly so expectations are clear from the outset.
How is Ledger Circle compensated?
Fee structures are explained plainly during onboarding, before any commitment is made. We avoid bundling costs into unclear terms, so you know exactly what applies to your account.
Is this service regulated?
Regulatory status and applicable oversight depend on jurisdiction and service structure. We recommend discussing this directly with our team so you receive accurate, current information rather than a general statement here.
How do I get started?
The next step is a briefing call, where we review your current cash position and answer any outstanding questions before discussing onboarding. Use the "Request a Briefing" link in the navigation to begin.
Still have questions?
Request a briefing and we'll walk through how Ledger Circle applies to your specific liquidity position, in plain terms.