Resources

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DDM for Trust Companies

See how R&T helps independent and bank-affiliated trust companies protect their customers’ funds with the DDM® program, a cash sweep alternative that provides access to expanded deposit insurance coverage.

Balance Sheet Strategies for BaaS Banks

For banks operating under the Banking-as-a-Service (Baas) model, what started as a source of added fee income and access to lower-cost deposits has become a test of balance sheet resilience. […]

What Are Network Deposits and How Do They Work?

Commercial customers with larger balances often must choose between uninsured deposit exposure or account fragmentation, where their funds are split between different banks. A commercial customer with a $2 million […]

Stronger Balance Sheets Start with R&T

At R&T Deposit Solutions, we specialize in helping banks, trust companies, fintechs, wealth managers, broker-dealers and other financial institutions unlock the full potential of their deposit strategy. For more than […]

House Hearing Sharpens Focus on Deposit Reform Priorities

The House Financial Services Committee’s November 18, 2025, hearing on deposit insurance reform marked the next stage of congressional review of proposed changes to federal deposit insurance reform, following the […]

Corporate Overview

See how the DDM®, CDMX™, and RTID® programs help financial institutions optimize capital management and attract, protect, and grow their deposits.

Trust Company Cash in a Shifting Rate Cycle: Why Insured Sweeps Are Emerging as the Standard

The Federal Reserve’s first rate cut of 2025 marked the beginning of a new phase in cash management. Customers spent 18 months chasing 5% yields in money market funds (MMFs) […]

R&T’s Chief Information Officer on Responsible Innovation

This insightful InformationWeek article features comments from R&T’s Chief Information Officer, Mieko Shibata, as she shares her perspective on responsible innovation. Throughout the piece, Mieko highlights how R&T integrates governance, […]