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Fiduciary Cash in a Shifting Rate Cycle: Why Insured Sweeps Are Emerging as the Standard
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See how the DDM®, CDMX™, and RTID® programs help financial institutions optimize capital management and attract, protect, and grow their deposits.

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Fiduciary 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 only […]

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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, […]

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DDM for Bank-Affiliated Trust Companies

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DDM for Independent Trust Companies

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Deposit Insurance, Regulatory Reform, and What It Means for Community Banks

Although depositors of Silicon Valley Bank and Signature Bank were ultimately protected, due to the extraordinary circumstances that prompted regulatory intervention, not all depositors received the same level of protection. […]

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Uninsured Deposits: The Balance Sheet Blind Spot

Uninsured deposits have moved from a back-burner compliance issue to a primary risk management concern. The 2023 banking crisis highlighted how quickly large commercial balances can disappear when confidence wavers, […]

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Trust Company Enhances Fiduciary Oversight and Expands Deposit Insurance Coverage with R&T

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Bank-Affiliated Trust Company Strengthens Client Confidence and Boosts Operational Efficiency with R&T

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R&T Deposit Networks, LLC, R&T Deposit Marketplace, LLC, R&T Deposit Solutions, LLC and R&T Deposit Programs, LLC (each d/b/a R&T Deposit Solutions), each a Delaware limited liability company, (together, “R&T”) provide administrative, recordkeeping, and/or other services to banks, credit unions, trust companies, wealth management firms, broker-dealers and other institutions with respect to deposit placement and sweep programs, including the Demand Deposit Marketplace® (DDM®), Certificate of Deposit Marketplace Exchange℠ (CDMX℠) and R&T Insured Deposits℠ (RTID®) programs, as well as other services. An affiliate of R&T, Stable Custody Group II LLC (“Stable”), acts as agent of participating sending institutions under the DDM and CDMX programs.  R&T and Stable, together, “we”, “us” or “our”.  All of our services are provided subject to the terms and conditions of the written agreements and/or agency appointments between us and our clients with respect to those services, and we provide no representations or warranties, express or implied, except as expressly set forth in those written agreements and/or appointments. Click here for our legal and other disclosures. We are not an FDIC or NCUA-insured institution. FDIC insurance only covers the failure of an FDIC-insured institution. NCUA insurance only covers the failure of an NCUA-insured institution.  Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Click here for a list of the FDIC and NCUA-insured institutions with which R&T has a direct or indirect business relationship for the placement of deposits under the DDM, CDMX, and RTID programs, and into which a participating institution may place deposits (subject to the terms of those programs and any opt-outs by the participating institution and/or its customers).  While the DDM, CDMX, and RTID programs provide access to an expanded level of FDIC or NCUA deposit insurance coverage on funds placed into the programs (subject to program terms and applicable laws, regulations and guidance, including pass-through insurance coverage requirements), the DDM, CDMX and RTID programs, themselves, as well as our other service offerings, are not insured or guaranteed by the FDIC or NCUA, are not deposits, and may lose value. We are not an affiliate of an FDIC or NCUA-insured institution, we are not an office, division, or sub-division of the FDIC or NCUA, and we are not associated with the FDIC or NCUA or office, division, or sub-division thereof. For more information about us, please visit our website at https://www.rnt.com.  The primary objective of the DDM, CDMX, and RTID programs is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements, higher rates of returns or profits). R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM®, DepositView® and RTID® are registered marks of R&T Deposit Networks, LLC. CDMX℠, R&T Fusion℠ and Fusion by R&T℠ are pending marks of R&T Deposit Networks, LLC. IDEA℠ and Certificate of Deposit Marketplace Exchange℠ are unregistered service marks of R&T Deposit Networks, LLC.

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