BaaS Banks
Scalable Deposit Insurance & Balance Sheet Management for Embedded Finance
Offer your FinTech partners access to expanded deposit insurance coverage at competitive rates1, while strengthening liquidity management, balance sheet flexibility, and regulatory resilience.
Purpose-Built for BaaS Banks
R&T’s infrastructure is designed specifically for sponsor banks operating within embedded finance ecosystems. Our platform enables direct collaboration with FinTech partners, streamlined integration, and accelerated onboarding workflows.
Beyond Traditional Deposit Networks
Unlike legacy networks with rigid, one-size-fits-all models, R&T offers real-time transparency, flexible participation options, and scalable solutions that adapt to your institution’s strategic objectives.
Operational Efficiency Meets Flexibility
Whether you’re managing liquidity, providing access to expanded deposit insurance coverage, or optimizing your balance sheet, R&T’s infrastructure empowers BaaS banks to deliver modern financial services with speed, control, and confidence.
1 While interest rates obtained on funds placed at receiving institutions under the DDM program may, under certain circumstances, outperform cash alternatives, such as money market funds, the primary objective of the DDM program is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements or higher rates of returns or profits).
DDM® Program Advantages
The Demand Deposit Marketplace® (DDM®) program empowers banks offering BaaS services to support FinTech programs at scale by allocating customer funds across a network of FDIC-insured receiving institutions. With send-only, receive-only, and reciprocal participation options, banks can manage liquidity, contingency funding, and balance sheet optimization without sacrificing operational efficiency or compliance.
Extend the Value of Your BaaS Offering:
Differentiate your sponsor-bank platform by enabling FinTech partners and consumer brands to offer access to expanded deposit insurance coverage and scalable deposit solutions, helping you attract and retain high-quality programs.
Reduce Integration Complexity:
Connect seamlessly through R&T’s ledger-agnostic platform, featuring pre-built integrations to leading core systems and “sidecar core” ledgers. No reconfiguration of your existing tech stack is required.
Improve Balance Sheet Flexibility:
Retain core deposits, transfer excess balances, or optimize your balance sheet through reciprocal deposits to gain the liquidity options and adaptability you need.
Set Reciprocal Targets at the Program Level:
Configure reciprocal targets at the program level rather than the account level to deliver predictability, efficiency, and centralized control over deposit flows.
Simplify Contract Structure:
Leverage R&T’s dual-party agreements to streamline legal, account-opening, and operational processes compared to traditional tri-party arrangements.
Strengthen Enterprise Risk Management & Resiliency:
Operate with confidence by partnering with a trusted bank service provider with more than 50 years of experience supporting sophisticated global financial institutions.
Access Dedicated Bank Review & Capacity Management Teams:
Rely on R&T’s internal Bank Review Team to validate receiving institutions and our Funding & Capacity Management Teams to support treasury strategy, pricing, and program design.
Scalable, Flexible Cash Sweep Solution
The DDM program allows BaaS banks to offer FinTech partners access to expanded deposit insurance coverage, supports rapid program growth with a scalable infrastructure, and enhances funding diversification and balance sheet adaptability.
Interested?