Your deposits are leaving for yield. Keep them — and the spread.
Your clients earn a money-market rate behind their existing account. The deposit stays with you until it's swept, off your balance sheet when it is, always under your brand.
At 6% annual attrition on eligible balances, a €5bn book bleeds ≈€9M of NII a year.
Yield is the wedge that moves the account — and the rest of the relationship follows it out.
Same account for the client. A new yield engine for you.
Same IBAN. Same login. Same card. Behind it, a white-label money-market rail switches on — so you pay your clients market yield and keep the relationship, instead of watching it walk to a neobank.
Effective rate ≈ 2.0% net to the client (gross MMF 2.9% · daily accrual · intraday buffer keeps cash instant). Illustrative — the bank sets the split between client yield and its own spread.
Move the sliders. See the swing.
What the deposit flight costs today, and what the rail brings back — NII protected on retained balances, plus fee income on the eligible book. Assumes a 150 bps NIM on operating deposits, 75% attrition capture on the switch.
Plugged into your core. Invisible to the client. Off your balance sheet.
We read balances and send orders. The money moves directly from the bank to the custodian — not one euro passes through us.
- IBAN, cards and SEPA
- KYC and the client relationship
- Deposit balance until swept
- The invested slice, in a MMF share class
- Held in the client's own name
- T+0 back to the client account
30 minutes.
On your own book.
We walk you through the rail, the client experience and what it would mean for your deposits. No deck, no commitment.