What Is Treasury Bank

An online Treasury Banking Institution

Treasury Banking means:

investment banking that provide centralized or decentralized treasury service to businesses and organizations

Our Seal

Treasury Bank Portal

Square– Treasury securities deposit and clearing.

Circle – intermediary bank circulation, collection and settlement.

The square and circle together represents digital asset portal for security deposit and liquidity as treasury and banking services.

Our Main Goal

Providing alternative and independent treasury banking services with the following:

• Business and Investment training
• Full-service investment platform
• Sourcd of proof and independent funding
• Consensus and procurement
• Managing investment risk for members

Operating Authority

Providing cooperative governance with the following parties:

• Administrative Board
• Investors
• Beneficiaries
• Community Leaders
• Banking Partners

Members

Treasury Bank offer 3 Member Levels:

• Guarantor – Business and Organization account level
• Fiduciary–
• Beneficiaries – Investment Associations | Contracting | Custody | Payment | Procurement

Treasury Bank Accounts

Treasury Bank offer 3 Membership Levels:

• Corporate–
• Development–
• Beneficiaries – Investment Associations | Contracting | Custody | Payment | Procurement

Grant Award & Reward

Providing programs related funds for business operational expenses

Electoral Investing

Leveraging centralized voting consensus for investment guarantee and assurance.

Treasury Bank Accounts

Digital Asset Solution

Dematerialized data as centralized digital asset tokens and APIs

Professional Accountability

IFRS, IAS, and GAAP methods with CPA audits results

Investment Ledger

Validated account data and timestamp for proof of ledger import and export

Investment Account Incentives:

• Program Development
• Asset Management
• Securities Financing
• Credit Transfers
• Direct Debits
• Real-Time Payments
• CIP Card Program
• Compliance
• Audit Trails

Account Transfers

Treasury Bank Electronic Fund Transfer payment data to investors depository bank sponsors with the following tools

1. Credit and Debit Card Issuing
2. Card Settlement and Reconciliation
3. Direct Payment as Credit transfer of funds from Treasury bank ERP to third party correspondence depository bank.

Key Concerns:

• cash management and internal expense for tax purposes
• internal risk base compliance
• Operate as a private entity that involve and trustee beneficiary relationship with consent of the client.
• Hold private equity and bond investment banking
• Insure that bank transaction are private and not state government. 
• Ensure that clients will have record of offers and I have a recorded acceptance.

Mandatory Data:

Commerical Data Only (Non-Consumer)

1. company name
2. company business activity
3. company ownership structure
4. alternative business combination
5. volume and types of transactions.
6. planning for source of funds
7. All beneficial owners of the accounts?
8. financial position and banking references (New Start Up)
9. KCY account holder with two year in good standing
10. company domicile with the US
12. No EDD Enhance Due Diligence, only CDD Customer Due Diligence for Private clients.
13. US routine and primary trade area of transactions
14. US base Company with no high-risk jurisdictions
15. Commercial bank account money market depository a funds
16. AML Policy and credit risk compliances
17. MSB Registered and State exempted by act of law. 
18. Guaranteed ongoing risk-based CDD procedures
19. EFT Rules
20. type of funds will be deposited and EFT
21. All clients have no financial fraudulent tax evasion record
22. Have not neglected any financial compliance 
23. Client shall be within good stand with the state
24. Internal On Us credit Nonbank’s credit or cash
25. background checks
26. onboarding documentation
27. swap trading relationship documentation
28. clearing exemption documentation
29. account documentation
30. tax consideration forms
31. margining collateral or (ABS)
32. other credit support arrangements. (Origination and Netting Agreement)

Key Compliance:

• Development Due Diligence
• Bank Security Firewall Endpoints
• Risk Management
• Cash Management
• Liquidity
• Procurement

Risk Management

Credit Risk

• Funds managed and credited Treasury banks and not by bank sponsors
• The Treasury Bank manages all risk associated with all accounts and the depository bank are responsible for their risk.

Market Risk

• Transaction are “Closed Market” 1:1 has no market risk of change in value

• Transactions are straight forward amortization.

• Transactions are screened with multi-level BSA/AML or OFAC due diligence methods.

Operational Risk

• Security agreements are warehoused with Treasury Bank and are not managed by the Depository Bank.

• Security agreements are originated by Treasury Bank and transferred to credit cards or bank money market or commercial account with the Bank.

• Funds are transferred and identified electronically via P2P to B2B and never handle by the depository bank employee

Regulatory Body:

• Self-Regulatory Organization (Public Authority
• SEC and Federal Trade Commission
• Payment Card Industry Standards
• Consumer Financial Protection Bureau CFPB
• Fin Cen, BSA and FFEIC
• Federal and State Agencies

Settlement Service:

Investment Bank to Bank payments using Host to Host integration with the following Payment File Formats:

• API
• XML 200022 pain.001.001.XXX messages
• CSV
• EDI
• BAI2

Payment Files & Remittances Data Fields

Treasury Bank need financial payment data transferred to depository bank sponsors with the following 9 Standard Mapping Fields.

1. Dollar Amount 
2. Debit or Credit Memo
3. Beneficiary Bank ABA number
4. Beneficiary Bank Name (optional)
5. Beneficiary Account Number
6. Beneficiary Name (optional)
7. Beneficiary Address (optional)
8. Originator Beneficiary Information
9. Signature Guarantee Digital ID (Batch PIN)
10. Addendums