Webinar Replay
In today’s volatile rate environment and evolving regulatory landscape, trust companies and wealth managers are increasingly focused on optimizing liquidity, managing risk, and enhancing client service. Watch the replay of this half-hour session with Cheetah and R&T Deposit Solutions, where we explored the latest trends in the cash and deposit markets, use cases tailored to trust and fiduciary accounts, and how Cheetah’s integration with R&T empowers your institution to deliver differentiated value to clients.
Key Takeaways:
Market Conditions
Following the 2023 banking turmoil, institutions have refocused on liquidity and diversified funding sources. While the market has since stabilized, renewed loan demand and over 100 bank M&A deals in 2025 underscore the continued need for balance-sheet flexibility and stable deposit strategies.
Federal Reserve Rate Trends
Expectations point toward a more neutral Fed Funds rate. That means insured deposit programs can serve as a valuable tool to preserve yield while positioning portfolios for a declining-rate environment.
Cash Sweep Programs for Trusts
Both independent and bank-affiliated trust companies can leverage the Demand Deposit Marketplace® (DDM®) program administered by R&T to sweep excess cash into DDA or MDA accounts at FDIC insured institutions in increments below $250k1, per eligible depositor (e.g., based on TIN) to provide access to expanded deposit insurance up to the program limit.
R&T Event Speakers
Jack Giannini
VP of Product Management for DDM & CDMX
Steve Spino
SVP, Deposit Funding Specialist
1Under the DDM Program, your institution may be permitted to allocate your customers’ funds to participating receiving institutions in increments of up to $250K per customer identifier (e.g., TIN), per account ownership category, per receiving institution, subject to approval and relevant agreements with R&T.