Who We Serve
A Smarter Approach to Deposit and Liquidity Management.
R&T partners with financial institutions to seamlessly offer their customers access to millions of dollars in expanded FDIC deposit insurance coverage, help strengthen balance sheet and liquidity management, and build a stable, diversified source of deposits.
Banks / Depository Institutions
Attract large deposits. Maintain balance sheet strength.
Banks and other depository institutions need to attract and retain large-deposit relationships while managing uninsured exposure, pricing pressure, and balance-sheet constraints.
R&T enables institutions to offer their customers access to millions in expanded FDIC deposit insurance coverage through configurable deposit programs with private-label capability. Send-only, receive-only, and reciprocal options give banks greater control over balance sheet management, including deposit mix, rates, and liquidity.
Trust Companies
The trusted leader in deposit solutions for independent, bank-chartered and bank-affiliated trust companies.
Trust companies desire a cash sweep solution that prioritizes principal preservation and liquidity, offers competitive rates, and provides access to expanded FDIC insurance coverage. The solution must also be operationally efficient and aligned with their fiduciary responsibilities without the structural constraints inherent in money market funds. Not all deposit programs are designed to meet these critical requirements.
R&T pioneered deposit solutions designed specifically for the trust company market, with programs structured to integrate with existing trust accounting platforms and operational workflows, and we offer program structures that can help our clients manage their customers’ investment policy requirements1.
BaaS Banks / Sponsor Banks
Grow FinTech programs. Manage your balance sheet.
As FinTech partnerships scale, BaaS / sponsor banks are tasked with supporting program growth and managing concentration risk, regulatory expectations, and operational complexity.
R&T’s tech-enabled solutions help BaaS / sponsor banks manage excess deposits, capture fee income, and increase balance sheet flexibility. Banks maintain operational efficiency and can adjust their balance sheets as programs grow and market conditions evolve.
FinTechs
Find the right sponsor bank. Launch deposit products faster.
Launching deposit products requires partnering with sponsor banks that can deliver competitive rates and support a seamless, scalable operating model as deposits grow.
R&T partners with today’s leading FinTech sponsor banks, providing purpose-built deposit solutions that enable attractive pricing and direct integration with FinTech platforms.
Broker-Dealers
Maintain control over sweep program funds.
Customers expect protection and liquidity for cash awaiting investment. To help meet broker-dealer needs, broker-dealers require sweep programs that support the safety of principal, same-day liquidity, and flexible pricing and revenue-sharing arrangements that can scale.
R&T offers a send-only cash sweep program configured to help meet firm-specific requirements1, adding stability, deepening deposit-placement capacity, and allowing firms to define coverage levels and structure.
1 R&T does not act in a fiduciary or trustee capacity with respect to the DDM, CDMX, and RTID programs and makes no representations or warranties that the programs satisfy any investment policy or other requirements for participating institutions to meet in regard to their own fiduciary or other obligations or duties. Participating institutions are solely responsible for complying with all such policies and requirements, as well as any other applicable laws or regulations governing the deposit of specific types of funds into the programs (e.g., qualified retirement funds, free credit balances of brokerage institutions, escrow funds). R&T makes no representations or warranties that the programs comply with any such laws, except to the extent expressly set forth in the written agreements entered into between R&T and the participating institution.