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Fact Sheet

Reciprocal Deposits for Bank-Affiliated Trust Companies

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News

Why Banks Need a Dual-Provider Strategy, Now

In a world where deposit flows can swing by billions overnight and regulatory expectations tighten with each cycle, relying on a single sweep or deposit network provider is a concentration risk few banks can still […]

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News

R&T Deposit Solutions Report Finds Deposit Safety and Trust Lead Among Top Growth Drivers

Survey of BaaS and FinTech executives finds access to expanded FDIC deposit insurance has become a differentiator in winning and retaining deposits amid heightened regulatory scrutiny and shifting customer expectations.

New York, NY — May […]

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Report

2026 BaaS / FinTech Survey: Safety, Scale, and the Trust Dividend   

R&T Deposit Solutions surveyed 200 senior BaaS and FinTech executives to find out how institutions are responding to evolving deposit insurance and risk expectations across the digital banking ecosystem. This […]
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News

Why Community Banking Matters, and How R&T Helps Strengthen It

At this year’s American Bankers Association (ABA) Washington Summit in Washington, D.C., one theme in particular stood out: the role of community banking in supporting a dynamic, resilient U.S. economy.

Comptroller of the Currency Jonathan […]

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Brochure

R&T Corporate Brochure

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Supporting Hedge Strategies with Funding Built for Balance Sheet Optimization

As interest rate environments continue to evolve, balance sheet management is a significant factor in optimizing hedge strategies. Inconsistent balances, repricing mismatches, or operational constraints can undermine balance sheet objectives over time, threatening hedge effectiveness. […]

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News

R&T’s Chief Information Officer on AI Adoption

By: Mieko Shibata, Chief Information Officer, R&T Deposit Solutions

Successful AI adoption isn’t about chasing the latest tools. Mieko Shibata explains that thriving with AI depends on building the leadership, talent, and structure that allow […]

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Insights

Stablecoins Move to the Banking Core

For years, the term “stablecoin” sat comfortably on the edge of traditional banking, associated more with crypto trading desks than commercial bank balance sheets. That is no longer the case.

As recently reported by PYMTS […]

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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. 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℠ is a pending mark of R&T Deposit Networks, LLC. IDEA℠ , Certificate of Deposit Marketplace Exchange℠ , R&T Insured Deposits℠ and R&T Connect℠ are unregistered service marks of R&T Deposit Networks, LLC.

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