Cat-14 · T161 · Embedded Finance & BaaS Infrastructure

FBO Account Structure Simulator

Model For Benefit Of (FBO) account structures for fintech programmes. Compare omnibus vs. subledger vs. hybrid architectures across operational risk, reconciliation burden, FDIC pass-through coverage, and regulatory exposure. Outputs risk scoring dashboard, architecture comparison matrix, and Markdown design memo.

FBO Pooling Settlement Zero PII Client-Side

Last Reviewed · 2026-05-12

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Programme Parameters

FBO Architecture Type

Pooling Method

Number of End-User Accounts

Average Balance per User (USD)

Daily Settlement Windows

FDIC Pass-Through Eligible (%)

% of user balances meeting FDIC pass-through requirements

Reserve Requirement (% of pool)

Dormancy Rate (%/year)

% of accounts with no activity per year

Configure FBO parameters and click Simulate FBO Structure