Bank on Us for Flexible Term and Yield Optimization
Launch and manage dynamic deposits where the term, yield, or withdrawal conditions adjust based on pre-set rules or customer action, optimizing liquidity control.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Dynamic Deposit Configuration Engine
Our platform provides the granular control necessary to design deposits with dynamic maturity and interest characteristics. This allows institutions to offer personalized yield optimization while maintaining full control over liquidity risk and compliance.
Customizable Withdrawal Conditions
Define specific rules for partial withdrawals, principal increases, or early liquidation thresholds that dynamically affect the final yield.
Automated Rate Indexing
Link interest rates to external indices (e.g., SOFR, central bank rates) and automate rate changes, ensuring precision and reducing manual intervention.
Personalized Term Definition
Allow customers or relationship managers to digitally define a precise term (e.g., 38 days) or schedule maturity dates based on specific client goals.
Interest Accuracy and Transparency
Maintain full regulatory confidence by ensuring all interest accruals, complex yield calculations, and variable term disclosures are calculated accurately and transparently communicated to the customer.
Auditable Rate History Log
Maintain a tamper-proof log of every variable rate change, index trigger, and interest calculation event for full regulatory auditability.
Accurate Interest Accrual
Ensure precise interest calculations, even for fractional days and dynamically changing rates, to meet both internal standards and regulatory requirements.
Automated Disclosure Generation
Automatically generate and update regulatory disclosures that clearly communicate how rate changes or early withdrawal actions will affect the final yield.
Liability Forecasting and Lifecycle Servicing
Automate complex maturity events based on dynamic terms, efficiently process mid-term adjustments, and gain critical insights into your institution's liquidity needs.
Automated Maturity Processing
Automate notifications, processing of penalties, and payout disbursements upon reaching the variable or predetermined term.
Real-Time Liability Monitoring
Provide treasury teams with a real-time view of future liability schedules and deposit runoff based on dynamic terms and upcoming maturity dates.
Mid-Term Adjustment Engine
Process mid-term changes efficiently, such as penalty-free withdrawals or rate renegotiations, while maintaining accurate ledger integrity.