Waldo Disclosures & Brochure Acknowledgment

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By clicking agree below, you acknowledge receiving this Solicitor's Disclosure Statement, with all disclosures recited in the footer of this page, as well as a copy of Investment Advisor's Form ADV Part 2 and the Discretionary Investment Management Agreement also linked in the page footer.

Client also acknowledges that by signing this Solicitor's Disclosure Statement, it is not entering into any relationship with Investment Advisor for investment advisory services. Such services are only available pursuant to a separate agreement with Investment Advisor.

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Exclusive Offer for Grasshopper Clients!

Advanced cash management for companies with tailored portfolios.

A Grasshopper x Waldo partnership designed to help Grasshopper clients generate more yield and manage risk on their company cash and cash equivalents. Invest your cash to maximize yield and hedge risk with SIPC Insurance up to $75M*.
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Tailored treasury portfolios


Portfolios built specifically for Grasshopper Bank Clients. Pick a target based on your risk tolerance and liquidity needs, with active management and target yields up to 5% or more. 1
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Pure
Treasury
Est. Net Target Yield: 3.5 - 3.6%

An ultra-safe, low-volatility portfolio of short-term U.S. Treasuries focused on capital preservation. Holdings include: SGOV, BIL, SHV.

Stability
Plus
Est. Net Target Yield: 3.8 - 4.2%

A Treasury-led portfolio with a measured investment-grade allocation for enhanced yield and controlled volatility. Holdings include: SGOV, BIL, SHY, JPST, FLOT, LQDH.

Yield
Edge
Est. Net Target Yield: 5.0 - 5.3%

A higher-income strategy blending Treasuries with investment-grade and high-yield bonds to maximize yield. Holdings include: BIL, FLOT, SHY, VGSH, VGLT, LQDH, SJNK.

Global Treasury
Balance
Est. Net Target Yield: 3.4 - 3.9%+

Short-term U.S. Treasuries with modest FX-hedged global government debt diversification. Holdings include: SGOV, BIL, BNDX, SHV.

Cash
Yield
Est. Net Target Yield:3.6 - 3.7%

A prime money market cash equivalent portfolio allowing assets to be displayed as cash on the balance sheet. Holdings include: PMMF, JMMF

Crypto
Edge
Est. Net Target Yield: N/A

A conservative Treasury and investment-grade core with a capped ~20% Bitcoin ETF allocation for asymmetric upside. Holdings include: SGOV, SHY, LQDH, IBIT.

Smarter Entity Cash Management

AI Advisor Insights

Select an investment strategy that matches your company’s risk tolerance and liquidity needs. Then, chat with your AI Advisor for insights about risk balance and hedging ideas where your business is over-concentrated. Whether you’re looking for stable returns in T-bills, diversified exposure with equities, or a calculated allocation to crypto, Waldo provides flexible, automated investment strategies that work for you.
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Hedge Your Portfolio

Work to mitigate interest rate, currency, commodity, political or sector-specific risks with Waldo's intelligent portfolio strategies.
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Secure Custody

Client assets are held as securities via DTCC, never loaned or leveraged, with Extended SIPC coverage.
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Board Cash Policy Template

Quickly board approve your new strategy using our open source cash management policy template.
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Enterprise-Grade

Keep your funds in a trusted platform. Waldo is SOC II certified with bank-level encryption and asset protection.

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Power Up Your Treasury


Equip your finance and operations teams with tools to optimize idle cash, manage risk, and execute payments—all in one seamless platform.
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Liquidity
Same-Day Withdrawals

Access cash immediately with same-day liquidity.

Managed
Active and Automated

Rebalancing, gain harvesting, "micro-timing" and tax optimization.

Custom
6 Strategy Profiles

Specifically tailored for Grasshopper corporate clients.

$75M
SIPC Coverage

$75M of Excess SIPC insurance coverage on your account.

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Disclosures
Grasshopper Bank, NA ("Grasshopper") is a bank operating in partnership with Waldo.ai, Inc, a Registered Investment Advisor. Grasshopper is not an Investment Advisor and provides no advisory services or financial advice.

Waldo.ai, Inc. ("Waldo") is registered with the U.S. Securities and Exchange Commission as an Investment Adviser. Registration does not imply a certain level of skill or training. This website is for informational purposes only, is intended solely for U.S. accredited investors, and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Past performance is not indicative of future results. Please see our Full Disclosures, Form ADV, and Discretionary Investment Management Agreement for more information.

The material on this website is for informational purposes only. It should not be construed as investment, tax, legal, or other advice. Nothing contained herein constitutes an offer to sell or a solicitation of an offer to purchase any securities, or a recommendation regarding any investment strategy or product.

1 Target yield estimates are calculated weekly as of 3/4/2026 and are calculated solely by Waldo using the weighted average of the published SEC 30 day yield of the underlying securities from the issuer of the security, less anticipated fees and assume an account value over $10,000,000 and an associated 0.1% management fee. Actual yield may vary.

Any securities or investment opportunities will be offered only by means of formal offering materials, which describe the significant terms, risks, and conditions of such investments.

Past performance is not indicative of future results. There can be no assurance that any investment will achieve its objectives or avoid substantial losses. Any projections, estimates, or forward-looking statements are speculative in nature, are based on certain assumptions, and are subject to change without notice.

This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.

Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.


Your use of this site, or communication with the Firm through this site, does not create an advisory relationship between you and the Firm. Do not send confidential information via this website or through email, as such communications may not be secure.

* Excess SIPC insurance is provided by Waldo's custodian partner Alpaca Securities LLC ("Alpaca") via the purchase, by Alpaca, of an additional insurance policy through Lloyd's of London to supplement SIPC protection known as Excess SIPC Coverage. The terms, limitations and conditions of the excess SIPC program, offered by Alpaca can be found at https://www.alpaca.markets.

Additional information about the Firm, including its Form ADV filings, is available on the SEC’s Investment Adviser Public Disclosure (“IAPD”) website at https://adviserinfo.sec.gov
‍All content, including text, graphics, logos, images, and other materials on this site, is the property of the Firm or its content providers and is protected by copyright and other intellectual property laws. You may not copy, reproduce, distribute, or transmit any content without the Firm’s prior written consent.

The Firm does not collect personal information from visitors to this website unless voluntarily provided. The Firm does not sell or share personal information with non-affiliated third parties, except as required by law.

This website is controlled and operated from the United States and is subject to applicable U.S. federal and state laws.

By using this website, you acknowledge that you have read and understand our Terms and Privacy Policy. You should consult with a qualified financial professional before making any investment decisions.If you have any questions, please contact us at support@waldo.ai

The purpose of this Solicitor’s Disclosure Statement is to comply with the requirements of Rule 206(4)-3 of the Investment Advisers Act of 1940 (the “Act”), and to inform you, (“Client”) that Grasshopper Bank, N.A (“Solicitor”) currently serves as an unaffiliated solicitor for Waldo.ai, Inc. (“Investment Advisor”), a registered investment advisor under the Act. Client hereby acknowledges receiving and understanding the following disclosures provided by Solicitor:
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Solicitor and Investment Advisor have entered into a written agreement whereby Solicitor will use its best efforts to solicit and refer as clients to the Investment Advisor those individuals or entities that it believes are suitable and appropriate for the investment advisory services provided by the Investment Advisor, in exchange for cash commissions to be paid by Investment Advisor.

Investment Advisor will pay Solicitor 25% of the investment advisory fees paid per annum by Client to Investment Advisor.
Investment Advisor will not charge Client any additional fees as a result of its agreement with Solicitor. The amount of fees that Investment Advisor will charge Client for investment advisory services is the same as what it would customarily charge any new client who was not referred by Solicitor.

Solicitor may make periodic contacts with Client as necessary to assist Client in understanding Investment Advisor’s services and/or obtain additional information from Client on behalf of Investment Advisor.

Solicitor is an independent contractor, and is not an affiliate, agent, representative, partner or employee of Investment Advisor.

Solicitor is not authorized to and will not provide investment advice or manage investments on behalf of Investment Advisor.

Solicitor does not have authority to accept a client agreement on behalf of Investment Advisor or to collect or receive payment in its own name for any of the Investment Advisor’s services. All client agreements with the Investment Advisor are subject to acceptance by the Investment Advisor.

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