Dues, reserves and vendor payments for HOAs.
Dues collected on schedule, a reserve fund that always reconciles, and vendor payments that clear on a board quorum — not a manager's say-so. Association finances with governance built in.
Homeowners associations handle other people's money under real governance: dues collected from every unit, a reserve fund that regulators and owners expect to be intact and reconciled, and vendor payments that are supposed to reflect a board decision — not a single manager's discretion. Weak controls here are how associations end up in the news.
Digital Treasury gives community associations bank-grade collection and governance: grace-aware dues collection, a reserve fund tracked as its own ledger, and vendor disbursements gated on approval policy. It ships as DuesOps.
The money problems in HOA / community.
Dues from every unit
Recurring assessments across every owner, with late fees by the association's rules and clean attribution — the same high-volume, rule-bound collection problem as rent, with an added governance layer.
A reserve fund that must stay intact
Reserves for future capital work must be tracked, reconciled and not quietly borrowed against operating needs — owners and auditors expect it to be provably whole.
Vendor payments on quorum
A payment to a landscaper or contractor should reflect a board approval, not one person's access to the checkbook.
How Digital Treasury solves it.
Grace-aware dues collection
Recurring ACH collects assessments on schedule with late-fee logic that follows the association's governing documents, attributed per unit and reconciled automatically.
Reserve fund as its own ledger
The reserve is a distinct ledger account, provably separate from operating funds and reconciled continuously — so 'is the reserve intact?' is a query, not a fire drill.
Approval-gated vendor payments
Vendor disbursements route through approval policy that can require quorum, with a full audit trail — governance enforced by the money system itself.
The configured product for HOA / community.
DuesOps is Digital Treasury for community associations — dues collection with grace-aware late fees, a reserve fund that reconciles, and vendor payments that clear on board quorum rather than a manager's discretion.
HOA / community, answered.
How are reserve funds protected?
The reserve is modeled as its own ledger account, structurally separate from operating funds and reconciled continuously, so its balance is always provably intact and auditable.
Can vendor payments require board approval?
Yes. Vendor disbursements route through configurable approval policy — including quorum requirements — with a complete audit trail, so payments reflect a board decision rather than individual access.
Other markets on the same engine.
Legal / IOLTA
Client money held in trust, three-way reconciled, and moved to operating only against an earned, approved invoice. Bar-compliant trust accounting as infrastructure — not a bolt-on.
Property / rent
Recurring rent on autopilot, grace-aware late fees that apply the rules exactly, and security deposits held in escrow — rent-roll cash flow that reconciles itself.
Restaurants
Register cash swept to HQ only once the day is actually closed, food-vendor AP paid by due date, tipped payroll with the tip and FICA credits derived — not typed in — and royalties remitted on gross sales. Multi-location dining money, reconciled by construction.
Move money in HOA / community on infrastructure built for it.
One API for payments, ledgering and compliance — white-labeled as DuesOps, or connected to your own systems.
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