Deposits, regulation, and the platform stack
Perspectives from the Bondsmith team for banks, wealth managers, advisers and fintechs building on cash deposits.
Wealth platforms
Why deposits are back in the asset-allocation conversation
After fifteen years of near-zero rates, deposits have earned a place on the fact-find again. Platforms and advisers are paying attention.
Advisers
FSCS protection and cash deposits: what every adviser needs to know
FSCS cover applies per banking licence, and several brands can share one. For clients with large deposits, structuring across licences is sensible practice and supports good client outcomes under Consumer Duty.
Fintechs
Build vs buy: launching savings without building the infrastructure
Savings is a valuable feature to add to a product. Building the deposit infrastructure behind it is a much larger decision than it first appears.
Wealth platforms
Safeguarding client money: what segregation really demands
If your firm holds money on behalf of clients, how you hold it matters. A plain-English look at safeguarding, segregation and what the rules require.
Advisers
How a deposit sweep keeps large balances FSCS protected
FSCS protection is capped per eligible depositor, per banking licence. A deposit sweep spreads balances across a panel of banks, with separate FSCS eligibility at each one.