Multichain Treasury Governance

The financial operating system for multichain Web3 organizations.

Substrate, Bittensor, EVM — every chain in one workspace. Built for treasuries that outgrew the spreadsheet and the AI workflows that will replace it.

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By the team behind SubWallet · 2M users · #1 in Substrate

// 02 / the moment

The moment it gets too big to spreadsheet.

How multichain treasury chaos escalates — and where every team eventually reaches the same conclusion.

[ spreadsheet ]

2 chains — manageable.

Reconciliation by hand. Works fine when scope is small.

add a 3rd chain

[ math.fail ]

3 chains — math breaks.

Rebalancing maths drifts. The spreadsheet starts losing entries.

a signer rotates wallets

[ telegram ]

Signer chat = source of truth.

"Did anyone confirm this?" pings replace the audit log. Scroll up. Hope you remember.

community asks: "where did the $50K go?"

[ 90m.search ]

90 minutes of archaeology.

Cross-reference Etherscan · Subscan · screenshots · Slack pings to reconstruct one decision.

try to hire a CFO

[ cfo.404 ]

CFO ≠ solution.

They think in fiat & fixed bank accounts — not 6 tokens revaluing every block.

structure is what's missing

the moment

Teams reach for Koni Finance. This is where structured governance starts.

Spreadsheets work until they don't. Hiring doesn't fix it. Every multichain team eventually walks this path.

Every multichain team eventually walks this path — and reaches the same conclusion.

// 03 / transformation

What multichain treasury actually looks like.

A composite picture of a team running treasury on 3–4 networks and 5–7 tokens — before and after structured governance.

// before

−Structured governance absent

×5+ wallet types tracked across Google Sheets

×3–4 networks, 5–7 tokens, daily manual reconciliation

×Signer coordination via Telegram screenshots

×Audit prep takes days of explorer reconstruction

×Asset-loss vector: seed-phrase handoffs between contributors

×No audit trail beyond Discord screenshots

// after koni finance

+Workspace, workflow, audit

+All wallets in one workspace

+Auto-reconciled across all chains, real-time

+Structured approval workflow with policy enforcement

+Tamper-evident audit trail; export in one click

+Zero-custody — no key handoff possible

+Every action recorded with timestamp, identity, on-chain proof

The shape of the transformation, not one team's story. Every multichain org we've talked to recognizes itself in the left column — and wants the right one.

// 04 / how it works

Four primitives. Each solves one piece of the chaos.

Multichain coverage. Governance workflow. Tamper-evident audit. Zero-custody by design.

01. multichain coverage

Every chain, one workspace.

ETH · POL · ARB · DOT · KSM · TAO · BASE + Optimism, Solana, TON

Connect Safe multisigs and EOA wallets across the chains you use — see all balances, transactions, and approvals in one view. No more switching between Subscan, Polkadot.js, Etherscan, and Safe UI.

02. governance workflow

Every transaction has an approver, reason, and evidence.

REQUEST → APPROVE → EXECUTE

Configure approval policies once — who can request, who must approve, what limits apply. Every payment flows through the workflow. No more "did anyone confirm this?" pings in Telegram.

03. tamper-evident audit

The audit trail your auditor actually wants.

every action recorded

Every request, approval, rejection, and execution is recorded with timestamp, identity, and on-chain proof. Export-ready for accounting, audit, and community reporting. Manually reconstructing from Etherscan ends here.

04. zero-custody

We never hold your keys. We never touch your funds.

[ your wallet ] ↔ [ koni finance ] // process guardian, not asset custodian

A Process Guardian, not an Asset Custodian. Connect your existing wallets; we wrap governance around them without ever taking custody. Adopt without transferring asset control.

// 05 / the bigger picture

AI × Human × Blockchain. One financial OS.

A Financial Operating System for the programmable age — built so organizations and AI agents can run financial operations across blockchains with the same workflows, the same governance, the same audit trail.

// org decision layer

AI agents auto ops

Humans CFO, ops, signers

▼

// financial operating system · koni finance The orchestration layer between decision and execution.

Workflow orchestration
Policy enforcement
Role-based control (AI + Human)
Approval coordination
Audit & accountability

▼

Data layer

// analytics + intel

Execution layer

// wallets · custody · tx

Identity layer

// roles · permissions

▼

// blockchain layer Settlement · smart contracts · RWA

c. SCALE reliability

// what it delivers

Clear, repeatable workflows
No human-dependency bottleneck
No delays, no missed approvals

// what you get

Founder time freed for product + growth
Ops continue across team changes
10× throughput without proportional headcount
Scale 5 → 50 people without finance ops chaos

×your team is the bottleneck. The product stops working when key people are unavailable.

enables ▲

b. CORE control

// what it delivers

Define who can do what, under which conditions
Auto-enforce policy on every transaction
Cannot be bypassed — not by mistake, not by malice

// what you get

Compliance-by-construction
Audit-ready by default
Trust contributors via roles, not vouching
New-signer onboarding in minutes

×governance is theatre. Anyone can transact; anyone can override.

enables ▲

a. FOUNDATION security

// what it delivers

No wrong execution
No asset loss
Anchored to your existing wallet / custody infra (zero-custody)

// what you get

Sleep at night — funds stay in wallets you control
Auditor confidence — every action cryptographically signed
Frictionless onboarding — connect existing Safe / EOA
Lower compliance + insurance risk vs custodial competitors

×nothing else matters. You cannot build control on a foundation that can lose your money.

// for web3 organizations

Human-operated treasury, multichain.

Unified multi-chain treasury visibility in a single system
Structured payment request creation & management
Role-based approval workflows with configurable policies
Integration with existing wallets and custody for execution
Complete audit logs for reporting, reconciliation, compliance

// core value

Reduce manual operations, improve control, increase financial transparency.

// for human + ai-operated orgs

AI agents inside the same governance.

Standardized workflows that AI agents can operate within
Policy enforcement to control and constrain AI-driven actions
Automated proposal → approval → execution
Unified financial data layer for AI-driven decision making
Fully traceable and governed financial activities

// core value

Enable AI to participate in financial operations safely and under control.

// honest scope · Human-operated workflows ship today. The AI-agent SDK + agent-facing UX layer is on the 2026 roadmap — the architecture already supports it. Both narratives live on one page because the org that picks a treasury platform today is the same org running AI agents inside it twelve months from now.

// 06 / built for multichain

Built for multichain.

We support — or are building support for — every chain your treasury touches. One workspace, every network you operate on.

// evm

Ethereum Polygon Arbitrum Base Optimism BNB Chain Avalanche Linea

// substrate

Polkadot Kusama Bittensor Asset Hub Parachain ecosystem

// other ecosystems

Solana TON plus integrations driven by design-partner demand

Don't see your chain? Tell us during the walkthrough — coverage priorities are set by real customer needs, not internal preference.

// 07 / what you'll be able to do

Six layers, 40 features. AI sits on top — and inside every layer.

Each layer enables the next. AI operates inside the same policy + audit framework that governs humans — never outside it.

★ // 06 · ai-native layer Agents inside the same rules as humans.

Agent SDK · Agents as workflow participants · Anomaly detection · Proposal generation · NL audit-log summary · Policy advisor · Risk scoring · Multichain rebalancing · Metadata suggestion · Vendor categorization

Most products bolt AI on. Koni Finance built it in.

built on

// 05 · integration layer Plug into the stack you already run.

Safe native · Wallet compat (SubWallet · MetaMask · Privy) · SIWE auth · Webhooks + API · Accounting export (QuickBooks · Xero) · Bot API keys

built on

// 04 · audit & compliance Auditor-ready by default.

Tamper-evident trail · Immutable snapshots · Custom reports · CSV / PDF export · Data retention · Multi-jurisdiction

built on

// 03 · operations Replace Telegram pings. Replace the bottleneck.

Structured payment requests · Batch execution · Recurring scheduling · Incoming tracking · Metadata enrichment · Real-time notifications

built on

// 02 · governance & control Enforce policy structurally.

RBAC · Spending limits per role · Address whitelist · Multi-step approval workflows · Safe hierarchy · Last-admin safeguards

built on

// 01 · treasury foundation See every wallet, every chain.

Multichain Safe import · EOA + watch-only · Real-time balance aggregation · Asset classification · Bridge + swap · Transaction history with on-chain proof

Each layer enables the next. AI operates inside the same policy + audit framework that governs humans — never outside it.

// 01

Treasury Foundation Layer

See every wallet, every chain, every token. The base that everything else builds on.

Multichain Safe import

Import existing Safe multisigs from Ethereum, Polygon, Arbitrum, and roadmap chains in one click. Read + write parity with Safe UI.

EOA + watch-only wallets

Track any EOA — your own, contributor wallets, vendor receipts. Watch-only mode for read-only audit.

Real-time balance aggregation

All chains, all tokens, one number. Updates as transactions confirm — no manual refresh.

Asset classification

Native tokens, ERC-20s, staking positions, LP tokens — auto-classified for accounting and reporting.

Bridge + swap (curated)

Integrated bridge / swap workflows through audited providers. Same approval policy applies.

Transaction history with on-chain proof

Every historical tx with linked block, signer identity, and approval chain. Cryptographically verifiable.

// 02

Governance & Control Layer

Make policy enforceable, not theatrical.

Role-based access control (RBAC)

Define exactly who can request, approve, execute. Templates for Owner, Admin, Finance Manager, Auditor, Compliance Officer.

Spending limits per role

Junior contributors move small amounts; large transfers require senior approval. Limits enforce automatically at request time.

Address whitelist enforcement

Payments to non-approved wallets blocked at request time, not at execution. No "the bot sent to the wrong address" incidents.

Multi-step approval workflows

N-of-M signers, threshold limits, time-locks, or specific role combinations. Route approvals to the right people in the right order.

Safe hierarchy (ROOT → Child Safes)

Departments get sub-budgets via Safe hierarchy + Allowance Module. Spending caps cascade without compromising main treasury.

Last-admin safeguards

Cannot remove the last management-capable signer — structural prevention of org lockout.

// 03

Operations Layer

Replace Telegram pings. Replace spreadsheet reconciliation. Replace the bottleneck.

Structured payment requests

Every payment has a requester, approvers, purpose, and evidence by default. Replace Telegram pings with auditable workflow.

Batch payment execution

Pay 50 vendors with 1 multisig signing ceremony — not 50. Time + gas savings for payroll and batches.

Recurring payment scheduling

Set monthly payroll once; system executes per schedule. Pause, modify, or override at any time.

Incoming payment tracking

Auto-detect and categorize incoming transactions (staking rewards, refunds, partner inflows).

Transaction metadata enrichment

Tag, categorize, annotate every transaction — turn raw txs into accounting-ready records.

Real-time team notifications

Slack / Telegram / email for every approval request, status change, execution. Configurable per role.

// 04

Audit & Compliance Layer

Auditor-ready by default. Not a project — a one-click export.

Tamper-evident audit trail

Every request, approval, rejection, execution recorded with timestamp + identity + on-chain proof. Cryptographically impossible to alter retroactively.

Immutable balance snapshots

Snapshot all balances at month-end for accurate point-in-time accounting. Critical for tax + audit + community reporting.

Custom reports

P&L by purpose, vendor analysis, cross-chain reconciliation, spending-by-role.

Export-ready CSV / PDF

Hand audit data to any auditor or community — they verify independently. Built for MiCA, IRS crypto reporting, FATF travel rule.

Data retention compliance

Configurable retention windows aligned with GDPR + tax compliance (7-year default).

Multi-jurisdiction support

Workspace settings for US, EU, UK, SG, HK, VN, and other major jurisdictions.

// 05

Integration Layer

Plug into the stack you already run.

Safe (Gnosis Safe) native

Works with the multisig you already trust. No migration. Full read + write parity with Safe UI.

Wallet provider compatibility

Connect via SubWallet, MetaMask, Privy, and other major providers. Use what your team already uses.

Sign-In With Ethereum (SIWE)

Wallet-first auth — no username/password to manage, no phishing surface. EIP-4361 standard.

Webhooks + API

Hook Koni Finance into Slack, Notion, accounting tools, custom workflows.

Accounting export

Pre-formatted CSVs for QuickBooks, Xero. Treasury data flows in without re-entry.

API keys for programmatic access

HMAC-signed API for developer integrations + autonomous agents. Same RBAC + policy enforcement applies.

// 06 ★

AI-Native Layer

AI agents operate inside the same policy + audit framework that governs humans. They cannot bypass rules, cannot move funds without approval, and every action is recorded with the same audit-trail integrity as a human action.

AI agents as workflow participants

Deploy AI for routine ops (rebalancing, vendor payments, monitoring) inside the same approval rules that govern humans.

AI metadata suggestion

Bulk-classify thousands of past transactions in minutes instead of weeks of manual work.

AI anomaly detection

Catch unusual spending before approval, not after. Pattern recognition tuned to your org's normal cadence.

AI proposal generation

AI drafts payroll / vendor / rebalancing batches based on past patterns. Human approves — agent does not auto-execute outside policy.

AI audit-log NL summary

Ask "What did we spend on infrastructure last quarter?" — get a sentence, not 200 rows.

AI policy advisor

"This signer has approved 47 transactions in 30 days without exception — consider a delegated limit." Continuous policy hygiene.

AI risk scoring on outgoing tx

Color-coded risk score at approval time — approvers focus on high-risk transactions, not rubber-stamp.

AI multichain rebalancing

Set target allocations (e.g., 60% ETH, 25% POL, 15% ARB); AI executes within your policy bounds.

AI vendor + payment categorization

New transactions auto-classified into your chart of accounts — accountant reviews exceptions, not everything.

AI agent SDK

Build your own agents (custom strategies, workflows) on top of the Koni Finance policy layer. Agents inherit security + governance guarantees automatically.

// 08 / three paths

Same problem? Three paths to start.

Pick the conversation that matches your role. Same Calendly target, different intake — so the walkthrough is tuned for you.

// for founders

I'm spending hours on this every week when I should be building.

Get your time back. Stay CEO. Stop being the accountant.

Book founder-track // 30 min →

// for finance managers

Audit pressure is real. I need workflow tools, not more spreadsheets.

Bring in the workflow rigor your team has been asking for. Audit-ready by default.

Book finance-track // 30 min →

// for ai / auto-ops builders

We need policy enforcement for our AI agents, not another wallet.

Run agents inside guardrails. Keep humans in the loop where it matters.

Book agent-track // policy + SDK preview →

Get started

Bring your stack. We'll show you the runtime.

30-minute walkthrough. Live workspace, your wallets connected (read-only), real numbers.

Book a walkthrough Or join the waitlist

The financial operating system for multichain Web3 organizations.

> The moment it gets too big to spreadsheet.

2 chains — manageable.

3 chains — math breaks.

Signer chat = source of truth.

90 minutes of archaeology.

CFO ≠ solution.

Teams reach for Koni Finance. This is where structured governance starts.

> What multichain treasury actually looks like.

−Structured governance absent

+Workspace, workflow, audit

> Four primitives. Each solves one piece of the chaos.

Every chain, one workspace.

Every transaction has an approver, reason, and evidence.

The audit trail your auditor actually wants.

We never hold your keys. We never touch your funds.

> AI × Human × Blockchain. One financial OS.

Human-operated treasury, multichain.

AI agents inside the same governance.

> Built for multichain.

> Six layers, 40 features. AI sits on top — and inside every layer.

> Same problem? Three paths to start.

> Bring your stack. We'll show you the runtime.

The moment it gets too big to spreadsheet.

What multichain treasury actually looks like.

Four primitives. Each solves one piece of the chaos.

AI × Human × Blockchain. One financial OS.

Built for multichain.

Six layers, 40 features. AI sits on top — and inside every layer.

Same problem? Three paths to start.

Bring your stack. We'll show you the runtime.