FinTechs
Scalable, Embedded Deposit Solutions
Offer customers, through your sponsor or partner bank, access to expanded FDIC deposit insurance coverage, daily liquidity1, and competitive rates2, all while preserving control over the end-user experience.
Tailored for Fin-Tech Ecosystems
R&T delivers a purpose-built infrastructure for FinTech ecosystems, combining direct sponsor-bank collaboration with streamlined integrations and accelerated onboarding. We support some of the largest FinTech firms in the industry, including those operating in digital assets and crypto-related programs.
Beyond Traditional Deposit Networks
Unlike traditional deposit networks with rigid, one-size-fits-all models, R&T provides adaptable solutions designed to support large-balance business transaction accounts, high-volume consumer accounts, and prepaid and debit card programs.
DDM® Program Advantages
The Demand Deposit Marketplace® (DDM®) program is a deposit allocation platform that distributes customer funds across a network of FDIC-insured receiving banks. By working through your partner bank, your program can unlock enhanced deposit protection and scalable balance sheet management without adding operational complexity. Through a single integration, your customers benefit from daily liquidity1, competitive interest rates2, and peace of mind with access to expanded FDIC deposit insurance coverage.
Unlock New Value for Your Platform:
Enhance trust and customer loyalty by offering access to expanded deposit insurance coverage through your partner bank.
Add Scalable Deposit Solutions:
Grow confidently by incorporating the DDM program through your sponsor bank, without disrupting your customers’ user experience or overhauling your infrastructure.
Increase Scalability & Reduce Concentration Risk:
Leverage a diversified deposit network that scales alongside your program, helping reduce exposure to any single financial institution.
Integrate Seamlessly with Any Ledger:
Connect the DDM program with your partner bank using direct core integration or a “sidecar” core via R&T’s data exchange platform.
Simplify Structure and Terms:
Utilize R&T’s dual-party contract structure to streamline legal review, onboarding, and ongoing operations while aligning with your compliance and operational requirements.
Strengthen Enterprise Risk Management & Resiliency:
Operate with confidence by partnering with a trusted bank service provider with more than 50 years of experience supporting leading global financial institutions.
1 Under the DDM program, funds are deposited into demand deposit accounts (DDAs) or money market deposit accounts (MMDAs) at receiving banks or share draft accounts or share accounts at receiving credit unions. While your customers’ funds are held in MMDAs or share accounts, the return of your customers’ funds from the DDM program may be delayed as, under federal regulations, the receiving institution is permitted to impose a delay of up to seven days on any withdrawal request from an MMDA or share account.
2 While interest rates obtained on funds placed at receiving institutions under the DDM program may, under certain circumstances, outperform cash alternatives, such as money market funds, the primary objective of the DDM program is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements or higher rates of returns or profits).
Scalable Balance Sheet Management
Through the DDM program, your partner banks gain the flexibility they need to manage funding, liquidity, and balance-sheet constraints while supporting your program’s growth and economics.
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