Retainers feel permanent until the email lands. Bank the good months.
Agency revenue is a portfolio of retainers that each end someday. BitReserve converts a slice of the strong months into Bitcoin — a fixed amount or a percentage of QuickBooks net income, automatically bought, automatically booked.
You choose the rule · You can pause anytime · Your books stay current
Three simple steps
How it works
1
Connect QuickBooks
Connect your company and choose the QuickBooks accounts BitReserve should use. Setup takes about two minutes.
2
Pick your rule
Choose a fixed monthly dollar amount, or a percentage of the net income QuickBooks reports. You stay in control and can change or pause it.
3
Your books stay current
When a buy settles, BitReserve posts a balanced journal entry to the accounts you chose.
Built for your books
The accounting is already done
BitReserve posts every settled buy to QuickBooks as a balanced journal entry, so the accounting does not become a separate monthly task.
Posted when the buy settles.
No exchange CSV to import and no transaction to key in by hand.
Mapped to your chart of accounts.
The entry uses the accounts you approve during setup and lands balanced and dated.
Ready for review.
Your general ledger keeps a clear transaction and cost-basis history for your bookkeeper or CPA.
Journal Entry #BR-0212
Monthly Bitcoin buy · 0.03349 BTC @ $96,550
Posted to QuickBooks
Account
Debit
Credit
Bitcoin Held (Other Current Asset)
3,233.75
Bitcoin Purchase Fees (Expense)
16.25
Business Checking (Bank)
3,250.00
Totals
3,250.00
3,250.00
Posted automatically by BitReserve · Jul 1, 2026
Balanced ✓
Illustrative example sized from this page’s calculator scenario, not from your rule. Accounts and amounts follow the mapping you choose during setup.
Illustration only: this calculator models a hypothetical share of monthly revenue. The production BitReserve rule does not track gross revenue; at launch, you choose either a fixed monthly dollar amount or a percentage of the net income QuickBooks reports.
Optional planning tool
What could your reserve become?
Once the product makes sense, use your own revenue and timeline to explore a range of possible outcomes. This is a planning model, not a promise or prediction.
The trend
Small businesses are already doing this
Business Bitcoin adoption is not only a megacorp story. River's published business-adoption data below includes many smaller companies.
$54B
of Bitcoin added to business balance sheets in 2025 — more than every prior year combined.
Your P&L is people plus retainers, and both can change in a month. A treasury rule sets money aside during the good quarters — invisibly, before the profit gets spent on growth experiments — for goals measured in years, not next month’s payroll.
01
Small businesses feel inflation first.
For businesses with thin margins or limited pricing power, rising costs can land quickly. A cash reserve can lose purchasing power to inflation while it protects you — which is why some owners route a slice of true surplus into something else, accepting volatility in exchange.
02
Small businesses can move fast.
No board, no committee, no quarterly treasury review. River's research found concentrated ownership is exactly why small firms adopt Bitcoin ahead of big ones — one decision-maker, one decision.
03
Discipline beats timing.
Manual buying can be easy to postpone after a dip or during a busy month. A modest automated rule can make the schedule consistent without watching the price or allocating money the business needs next quarter.
When the client that is 30% of billings walks, cash savings pay the team first. A longer-horizon reserve behind them is extra room to pitch the replacement — worth what the market says that quarter, which is why it’s the second layer, not the first.
Fund pitch season without starving delivery.
New-business pushes eat unbilled senior hours. A reserve can help underwrite the sprint so you can chase the whale without squeezing current clients.
Turn profit talk into an actual asset.
Agency profit has a way of dissolving into tools, travel, and awards entries. A standing rule extracts a slice monthly, before discretionary spending sees it — into an asset that swings, but that exists.
Frequently asked
Our billings swing 40% month to month. Which rule type handles that?+
Either. A fixed amount stays constant regardless of the swing, and a percentage of QuickBooks net income automatically contributes more after strong months and less after weak ones. You can also bump or pause the rule after an unusual month.
Should this come out of the profit-share pool or before it?+
That’s your call to make with your partners — mechanically, the rule runs on whatever amount or percentage you configure, and your accountant sees every entry in QuickBooks either way.
Is the Bitcoin actually mine?+
Yes. Purchases run through our payment partner Strike and the Bitcoin is held in your name. Every transaction is tracked and recorded — in BitReserve and in your QuickBooks ledger.
How is the monthly buy amount actually calculated?+
At launch you choose between two rule types: a fixed dollar amount, or a percentage of the net income QuickBooks reports for the period. The calculator on this page models a hypothetical share of monthly revenue so you can explore scenarios — it is an illustration, not how the production rule is computed.
What shows up in my QuickBooks?+
One balanced journal entry per buy: a debit to the Bitcoin asset account you chose, the fee, and the matching credit to cash. You pick the accounts during setup, so everything lands where your bookkeeping expects it.
What if Bitcoin's price drops?+
Your rule keeps running unless you pause it, and the same dollars buy more Bitcoin at lower prices — but a drop is a real loss on what you already hold, and there is no guarantee of recovery on any timeline. That is why the rule should only route in money the business can leave alone for years.
Can I change my amount or pause?+
Anytime, from the dashboard. No lockups.
Put this quarter’s retainers to work on your own brand
Connect QuickBooks, set your rule, and let it run. Setup takes about two minutes.
Bank-grade storage·Booked to QuickBooks automatically·Pause anytime
BitReserve is a treasury and savings platform that facilitates the purchase and custody of Bitcoin on behalf of business customers. Bitcoin is a volatile asset; its value can decrease as well as increase. Forecasts shown on this page are illustrative, based on user-supplied inputs and our stated assumptions, and do not constitute financial, investment, or tax advice. Past performance does not guarantee future results. BitReserve does not provide investment advisory services.