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 v1.0

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

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