Accounts & Deposits
Earn 5× the revenue per customer — by launching the embedded accounts your customers, marketplace participants, and contractors actually want.
How it works
Theorem creates FDIC-insured sub-accounts under your BaaS bank connection — issue account numbers and routing numbers to anyone you onboard. Receive ACH and wire. Real-time balance and transaction history per account.
Charge a monthly fee, capture interchange on linked debit cards, or pass through partial yield. Every account's activity reconciles to your ledger automatically.
Value
Three pillars
Make every dollar work harder.
Purpose-built deposit infrastructure that maximizes coverage, yield, and operational efficiency.
Multi-Bank Sweep
Automated sweep operations distribute deposits across a network of partner banks, maximizing FDIC coverage and yield. Rules-based triggers maintain target operating balances while putting excess cash to work.
High-Yield Deposits
Competitive APY across tiered deposit products without lifting a finger. Rate optimization agents continuously monitor partner bank offerings and reallocate to capture the best available yield.
Automated Account Management
Open, configure, and manage accounts programmatically. KYB verification, beneficial ownership, and compliance documentation are handled automatically with full audit trails and real-time status tracking.
Agents in action
Accounts as infrastructure.
Agents that handle the full deposit lifecycle — from account opening to yield optimization — with complete auditability.
Agents coordinate every sweep
A single sweep event triggers optimization, yield allocation, and FDIC coverage agents that work in parallel and resolve autonomously.
Better yield over time
Every sweep cycle, rate change, and allocation decision feeds back into the model. Your deposits earn more with every optimization cycle.
Encode your cash flow patterns, balance targets, and coverage requirements into structured training data.
Optimize sweep timing and allocation across your partner bank network for maximum yield and coverage.
Execute automated sweeps with full compliance checks, audit trails, and real-time balance monitoring.
Higher yield and better coverage with each cycle as models learn your cash flow patterns and preferences.
Put your cash to work.
See how Theorem maximizes FDIC coverage and yield with automated deposit management.