--- title: "Robora - How it works" description: "See how Robora links to your existing bank accounts, identifies your excess cash and places it at FDIC-insured banks earning up to 3.36% APY." url: https://my-site-de67291e.ploy.build/how-it-works --- # High-Yield Cash Management Made Easy Robora isn't just about high-yield savings. It's a complete cash management solution, robust enough for businesses and convenient for individual depositors. With a built-in cash management roboadvisor and flexible transfer options— both automated and manual. All within a system that provides access to a network of banks. Robora has you covered. ![Robora-higher returns image](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/97259d6e-hero-higher-returns.svg) ## Robora enables seamless and optimized market returns ![Robora market returns](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/0c0c7d96-market-returns-poster.webp) \*Your funds do not go through Robora, nor are they held in Robora’s name. They connect directly between your Primary Account and your new bank account through our Partner Bank network in your name. Banking services are provided by OMB Bank, member FDIC, and OMB Bank will place deposits through IntraFi’s ICS service, which is the largest bank network of its kind, and subject to the ICS Deposit Placement Agreement. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. ## The High Yielding Account Earn higher yields on your cash with Robora’s simple, secure interface. Manage your money effortlessly and maximize your returns. ### Keep your checking account, multiply your earnings Robora links your existing bank account to a system that allocates your deposits to high-yielding accounts at our partner bank and a network of banks, making it easy to earn more interest on your deposits. Funds are seamlessly transferred back to your primary account whenever needed. This system protects against fraud and makes managing your business or personal cash simple. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/6ec8a518-hy-checking.svg) ### Access your cash any time You have complete access to your cash at any time, anywhere, with no transfer fees. The cash moves between accounts based on your pre-set rules or actions, and can be accessed on a same-day basis from your primary account. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/a1142083-hy-access.svg) ## The Cash Analytics Don't know how much cash is "excess" in your existing account? Robora’s cash roboadvisor makes it easy to predict cash needs, and set smart rules to help you plan and maximize your earnings. ### Using history to plan for the future Robora uses your existing account's net cash payment history to estimate the cash needed (i.e. a minimum balance that should remain in your primary account). This amount is conservative by nature and it's called "Lower Threshold". As long as there are funds available in your high-yield account, money will be transferred to your primary account to maintain your Lower Threshold. You can change your Lower Threshold manually at any time. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/1acac73e-analytics-history.svg) ### Defining "Excess Cash" Now that the Lower Threshold is determined, we add a small volatility buffer to set an “Upper Threshold”. Any amount above the Upper Threshold is called Excess Cash - the amount that should be optimized. As with the Lower Threshold, you can change your Upper Threshold manually at any time. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/28113eb3-analytics-excess.svg) ## The Automation Now that the thresholds are set, Robora automates the rest. ### Automate transfers to your primary account If the balance in your existing account drops below the Lower Threshold, cash is automatically transferred into your existing account from the Robora Cash account - ensuring sufficient funds for your daily needs without manual intervention. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/fa9e7b8a-automation-primary.svg) ### Automate transfers to your high-yield account If the balance in your existing account exceeds the Upper Threshold, the Excess Cash automatically moves to the Robora Cash account for higher returns. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/5e4275b2-automation-highyield.svg) ### You control the automation While Robora provides automation, you retain full control to transfer funds, pause, or even turn off the automation. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/b16ab173-automation-control.svg) ## Prioritizing Your Security * ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/d58a6fe2-icon-authentication.svg) ### Enhanced authentication We use Multi-factor authentication (MFA) to protect your account. This enhanced security measure ensures that only you have access to your financial information, providing an extra layer of protection against unauthorized access. * ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/63cd83d9-icon-vulnerability.svg) ### Vulnerability scans Our commitment to security extends to regular assessments by leading cybersecurity experts. We conduct thorough penetration testing and vulnerability scans to identify and mitigate potential security risks, ensuring our platform remains secure against evolving threats. * ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/99f9f010-icon-encryption.svg) ### Encryption at every step To ensure the utmost safety and confidentiality of your information, we implement industry-leading practices by encrypting all data, both at rest and in transit. This comprehensive approach guards and keeps your information secure from unauthorized access. * ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/e84c3969-soc-seal.webp) ### SOC 2 Type II Robora holds a SOC 2 Type II report from a licensed third-party auditor, confirming our security framework meets the AICPA Trust Services Criteria and operates effectively over time. ![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/2a52e161-cta-graphic-desktop.svg) ## Cutting-edge cash management Robora is a safe and secure cash management solution for all - providing higher yields, cash analytics, and the automation needed to optimize cash and maximize returns. [Get Started](https://app.roborafinancial.com/signup)![](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/aa151349-cta-graphic-mobile.svg) --- [![Robora](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/440c0f72-robora-logo-white-wordmark.svg)](/) Want to give your excess cash a boost? [Get Started](https://app.roborafinancial.com/signup) --- ## Quick links * [Home](/) * [How it works](/how-it-works) * [Who we are](/who-we-are) * [Pricing](/#pricingsection) * [Customer stories](/?testimonial=open) [support@roborafinancial.com](mailto:support@roborafinancial.com) ## Copyrights © Robora Financial. All rights reserved. ![AICPA SOC for Service Organizations](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/51e06399-image.webp) SOC 2 Type II Independently audited ## Resources * [FAQs](/get-help) * [Blogs](/blogs) * [Contact Us](/contact-us) * [Privacy policy](/policy/privacy) * [Terms of Service](/policy/terms-of-service) ## Disclaimer Robora Financial or Robora is a brand of FinOpti Treasury, LLC (“Robora”), a financial technology company, not a depository institution, bank, or credit union, and is not itself a FDIC insured company. FinOpti Treasury, LLC partners with OMB Bank, Member FDIC. By opening an OMB Bank account through Robora, your funds are held in a deposit account at OMB Bank. 1\. Annual percentage yield (APY) is 2.90% if the monthly average balance at the relationship level is less than $250,000, or 3.36% if the monthly average balance at the relationship level is greater than or equal to $250,000, effective as of September 17, 2026 and may change at any time, before or after the account is opened, without rate limitation. Rates are determined by varying prevailing economic and business conditions, including the U.S. Federal Reserve interest paid on reserves. 2\. Robora is not an FDIC-insured depository institution and FDIC insurance only applies to the failure of the bank where your account is maintained. By opening an account through Robora, Customers deposit their funds into either: A deposit account at OMB Bank, Member FDIC, and held by OMB Bank, with such funds (combined with any other of such Customers funds at OMB) FDIC Insured up to the current standard maximum deposit insurance amount of $250,000 ("SMDIA"); or a deposit account at OMB Bank, which sweeps those funds into deposit accounts across a network of FDIC-insured banks for access to millions of FDIC-insurance in aggregate across the accounts. Under this program, the Customer’s funds are placed into deposit accounts across a network of FDIC-insured banks for up to the current SMDIA of $250,000 per eligible depositor, per receiving bank, for each ownership capacity or category, including any other balances they may hold at that receiving bank directly or indirectly through other intermediaries, including broker-dealers. OMB Bank uses a third-party vendor and agent to help administer this deposit placement process. View the [Institution List](https://www.intrafi.com/network-banks) for a list of the banks and savings associations with which Robora and OMB Bank have a business relationship for the placement of deposits at receiving banks, and into which your deposits may be placed, subject to the [Terms of Service](/policy/terms-of-service) and any opt-outs by OMB Bank or you. You should review the Institution list and opt-out of any particular institution to which you do not want us to allocate your funds. Certain conditions must be met to obtain such insurance and [Terms and restrictions apply](https://app.roborafinancial.com/ICS%5FDeposit%5FPlacement%5FAgreement.pdf). Your account with Robora and all services are subject to the [Terms of Service](/policy/terms-of-service), and there are no other applicable terms, representations or warranties, express or implied, except as expressly set forth in the Terms of Service. If you have any questions regarding your account, please contact [support@roborafinancial.com](mailto:support@roborafinancial.com)