What is idle cash
costing your business?
Enter a balance and see what it would have earned with Lumenary versus sitting in a Canadian business account — using real onchain history and the live Bank of Canada rate.
Your treasury
Crunching real onchain history…
Historical vault performance
Net APY and share-price growth across the curated MetaMorpho vaults Lumenary routes into, with the blended average.
How to use the simulator
Start with the idle balance your business keeps in cash — the working capital that sits in a chequing or savings account between obligations. Choose a vault: each is a curated MetaMorpho strategy on Morpho Blue, or pick the blended average of all of them. Then set the period you want to look back over.
The simulator replays the vault's real share price over that window. When you deposit, your capital buys vault shares at the prevailing price; as the strategy earns, the share price rises, so the same shares are worth more. We convert that back to dollars so you can read the result like a bank statement.
The Canadian bank rate defaults to the live Bank of Canada policy rate — the generous end of what idle cash earns in TradFi. Adjust it to match your own account if you'd like a stricter comparison.
Understanding the results
The chart plots two paths for the same starting balance: your capital in a Lumenary vault (gold) versus the same money in a Canadian bank account (ink, dashed). The shaded band between them is the yield you'd capture by not leaving cash idle.
Vault value is what your shares are worth at the end of the period. Yield earned is the gain on top of your deposit. Bank would earn compounds your balance at the Canadian rate over the same days. Cost of idle cash is the difference — the money left on the table.
Everything is net of vault fees and based on realised history. Past performance does not predict future results, and yields onchain are variable.
Why idle treasury costs you
Most Canadian businesses hold weeks or months of runway in accounts paying close to nothing. Against inflation, that balance loses purchasing power every quarter it sits still. The gap compounds: a few points of yield on six figures, over a few years, is often the difference between a hire and a hiring freeze.
Banks do offer institutional rates — but usually only if you lock the money away in a term deposit or GIC, exactly the capital you might need next week for payroll, suppliers or an opportunity. Lumenary is built around that tension: it reaches for the same institutional-grade yield while keeping your treasury liquid and withdrawable, so operating flexibility is never the price of a better rate.
It isn't a replacement for your bank. Think of it as a way to diversify where idle cash sits — capturing yield on the portion you aren't using this week, without giving up the day-to-day access your operations depend on. Lumenary keeps the treasury non-custodial — your funds live in a smart account only your Passkeys can move — while automating the Canadian tax paperwork (T5, ACB, T1135, CARF 2026). The point of this tool isn't to promise a number; it's to make the cost of standing still visible. See how the platform works.
Put your idle treasury to work.
Join the private beta — no platform fee, no lock-up. Onboard your business and see your own numbers, live.
The illustration and figures shown are not a forecast of future investment performance; they replay historical, net-of-fee share-price data only and are provided for illustration. Onchain yield is variable and carries risk, including loss of principal. Lumenary is non-custodial and does not provide financial, investment or tax advice. Rates sourced live from Morpho and the Bank of Canada where available.