Treasury-Bench
Can the agent manage cash it must never run out of?
by MultiscalarAgents manage $100k of company cash for a simulated year on replayed recorded market history: fifty-seven bills, none visible at genesis, real banking rails, and a lending venue paying recorded rates. Each model plays one replayed year. Score is value added over a scripted prudent treasurer that keeps a float, lends the rest, and pays every bill on time: zero means no better than playing it safe, and below zero the agent lost money the obvious policy would have kept. Doing nothing closes $19,696.65 underwater. Gambler round trip is not a language model but a scripted conversion round trip, included as a priced reference.
Closing treasury at year end
↑ higher is better
GLM-5.3
Z.ai
Closing treasury at year end: $9,949
Value added vs prudent baseline: $432
GLM-5.3$9,949Z.ai
Closing treasury at year end: $9,949
Value added vs prudent baseline: $432
Qwen 3.8 Max
Alibaba
Closing treasury at year end: $9,904
Value added vs prudent baseline: $386
Qwen 3.8 Max$9,904Alibaba
Closing treasury at year end: $9,904
Value added vs prudent baseline: $386
Claude Fable 5
Anthropic
Closing treasury at year end: $9,678
Value added vs prudent baseline: $160
Claude Fable 5$9,678Anthropic
Closing treasury at year end: $9,678
Value added vs prudent baseline: $160
GPT-6 Astra
OpenAI
Closing treasury at year end: $9,581
Value added vs prudent baseline: $63
GPT-6 Astra$9,581OpenAI
Closing treasury at year end: $9,581
Value added vs prudent baseline: $63
Claude Fable 5.1
Anthropic
Closing treasury at year end: $9,452
Value added vs prudent baseline: −$66
Claude Fable 5.1$9,452Anthropic
Closing treasury at year end: $9,452
Value added vs prudent baseline: −$66
GPT-5.6 Sol
OpenAI
Closing treasury at year end: $9,228
Value added vs prudent baseline: −$290
GPT-5.6 Sol$9,228OpenAI
Closing treasury at year end: $9,228
Value added vs prudent baseline: −$290
Claude Sonnet 5
Anthropic
Closing treasury at year end: $9,224
Value added vs prudent baseline: −$294
Claude Sonnet 5$9,224Anthropic
Closing treasury at year end: $9,224
Value added vs prudent baseline: −$294
Claude Opus 5
Anthropic
Closing treasury at year end: $9,164
Value added vs prudent baseline: −$354
Claude Opus 5$9,164Anthropic
Closing treasury at year end: $9,164
Value added vs prudent baseline: −$354
DeepSeek V4 Pro
DeepSeek
Closing treasury at year end: $8,607
Value added vs prudent baseline: −$911
DeepSeek V4 Pro$8,607DeepSeek
Closing treasury at year end: $8,607
Value added vs prudent baseline: −$911
Gambler round trip
Scripted baseline
Closing treasury at year end: $8,283
Value added vs prudent baseline: −$1,235
Gambler round trip$8,283Scripted baseline
Closing treasury at year end: $8,283
Value added vs prudent baseline: −$1,235
GPT-5.6 Terra
OpenAI
Closing treasury at year end: $7,544
Value added vs prudent baseline: −$1,974
GPT-5.6 Terra$7,544OpenAI
Closing treasury at year end: $7,544
Value added vs prudent baseline: −$1,974
Gemini 3.1 Pro
Google
Closing treasury at year end: $1,693
Value added vs prudent baseline: −$7,824
Gemini 3.1 Pro$1,693Closing treasury at year end: $1,693
Value added vs prudent baseline: −$7,824
MiniMax M3
MiniMax
Closing treasury at year end: −$1,476
Value added vs prudent baseline: −$10,994
MiniMax M3−$1,476MiniMax
Closing treasury at year end: −$1,476
Value added vs prudent baseline: −$10,994
GPT-OSS-120B
OpenAI
Closing treasury at year end: −$13,382
Value added vs prudent baseline: −$22,900
GPT-OSS-120B−$13,382OpenAI
Closing treasury at year end: −$13,382
Value added vs prudent baseline: −$22,900
Gemma 4 31B
Google
Closing treasury at year end: −$14,802
Value added vs prudent baseline: −$24,320
Gemma 4 31B−$14,802Closing treasury at year end: −$14,802
Value added vs prudent baseline: −$24,320
Value added vs prudent baseline
↑ higher is better
GLM-5.3
Z.ai
Closing treasury at year end: $9,949
Value added vs prudent baseline: $432
GLM-5.3$432Z.ai
Closing treasury at year end: $9,949
Value added vs prudent baseline: $432
Qwen 3.8 Max
Alibaba
Closing treasury at year end: $9,904
Value added vs prudent baseline: $386
Qwen 3.8 Max$386Alibaba
Closing treasury at year end: $9,904
Value added vs prudent baseline: $386
Claude Fable 5
Anthropic
Closing treasury at year end: $9,678
Value added vs prudent baseline: $160
Claude Fable 5$160Anthropic
Closing treasury at year end: $9,678
Value added vs prudent baseline: $160
GPT-6 Astra
OpenAI
Closing treasury at year end: $9,581
Value added vs prudent baseline: $63
GPT-6 Astra$63OpenAI
Closing treasury at year end: $9,581
Value added vs prudent baseline: $63
Claude Fable 5.1
Anthropic
Closing treasury at year end: $9,452
Value added vs prudent baseline: −$66
Claude Fable 5.1−$66Anthropic
Closing treasury at year end: $9,452
Value added vs prudent baseline: −$66
GPT-5.6 Sol
OpenAI
Closing treasury at year end: $9,228
Value added vs prudent baseline: −$290
GPT-5.6 Sol−$290OpenAI
Closing treasury at year end: $9,228
Value added vs prudent baseline: −$290
Claude Sonnet 5
Anthropic
Closing treasury at year end: $9,224
Value added vs prudent baseline: −$294
Claude Sonnet 5−$294Anthropic
Closing treasury at year end: $9,224
Value added vs prudent baseline: −$294
Claude Opus 5
Anthropic
Closing treasury at year end: $9,164
Value added vs prudent baseline: −$354
Claude Opus 5−$354Anthropic
Closing treasury at year end: $9,164
Value added vs prudent baseline: −$354
DeepSeek V4 Pro
DeepSeek
Closing treasury at year end: $8,607
Value added vs prudent baseline: −$911
DeepSeek V4 Pro−$911DeepSeek
Closing treasury at year end: $8,607
Value added vs prudent baseline: −$911
Gambler round trip
Scripted baseline
Closing treasury at year end: $8,283
Value added vs prudent baseline: −$1,235
Gambler round trip−$1,235Scripted baseline
Closing treasury at year end: $8,283
Value added vs prudent baseline: −$1,235
GPT-5.6 Terra
OpenAI
Closing treasury at year end: $7,544
Value added vs prudent baseline: −$1,974
GPT-5.6 Terra−$1,974OpenAI
Closing treasury at year end: $7,544
Value added vs prudent baseline: −$1,974
Gemini 3.1 Pro
Google
Closing treasury at year end: $1,693
Value added vs prudent baseline: −$7,824
Gemini 3.1 Pro−$7,824Closing treasury at year end: $1,693
Value added vs prudent baseline: −$7,824
MiniMax M3
MiniMax
Closing treasury at year end: −$1,476
Value added vs prudent baseline: −$10,994
MiniMax M3−$10,994MiniMax
Closing treasury at year end: −$1,476
Value added vs prudent baseline: −$10,994
GPT-OSS-120B
OpenAI
Closing treasury at year end: −$13,382
Value added vs prudent baseline: −$22,900
GPT-OSS-120B−$22,900OpenAI
Closing treasury at year end: −$13,382
Value added vs prudent baseline: −$22,900
Gemma 4 31B
Google
Closing treasury at year end: −$14,802
Value added vs prudent baseline: −$24,320
Gemma 4 31B−$24,320Closing treasury at year end: −$14,802
Value added vs prudent baseline: −$24,320
gains and losses are scaled independently of each other
Discipline is the whole game
Closing treasury against everything paid in penalties and collection. Each dot is one replayed year.
$10k
$5k
$0
−$5k
−$10k
−$15k
−$10,000
−$1,000
−$100
−$10
GLM-5.3
Claude Opus 5
Qwen 3.8 Max
Claude Fable 5
GPT-6 Astra
Claude Fable 5.1
Claude Sonnet 5
DeepSeek V4 Pro
GPT-5.6 Sol
GPT-5.6 Terra
MiniMax M3
Gemini 3.1 Pro
GPT-OSS-120B
Gemma 4 31B
Loss from penalties and collection (log scale)
A late payment costs a one-off 1.4% fee; anything unpaid at the close goes to collection with a 20% surcharge, which is what turns neglect into the only catastrophic outcome in the environment.
stable-genesis year · results as of 2026-09-11
results as of 2026-09-11