More value for your clients
Use the collective scale of eligible client balances to support stronger interest arrangements with your banking partners.
Make client cash work harder for everyone
Use the collective scale of eligible client balances to support stronger interest arrangements with banking partners. Flinq provides the visibility, calculation and governance framework to manage interest pooling efficiently at scale.
Pool overview
Interest Pooling
Participating accounts
128
Interest pools
4
| Pool | Accounts | Status |
|---|---|---|
| Bank A · GBP | 64 | Active |
| Bank A · EUR | 28 | Active |
| Bank B · GBP | 24 | Active |
| Bank B · USD | 12 | Active |
What is interest pooling for TCSPs?
Interest pooling enables eligible client account balances to be considered collectively when negotiating interest arrangements with a banking partner, while individual accounts remain separately held and administered. Flinq provides the technology and operational framework to manage participating accounts, calculate interest allocations and support distributions.
Value for clients and your business
A stronger cash proposition, built around your relationships
Your client cash represents more than individual account balances. Flinq helps you turn that scale into a service your clients value and your team can manage with confidence.
Governance around the arrangement
Keep participating accounts, agreed terms, calculations and distribution records together to support your team’s review responsibilities.
Operational scalability
Bring account participation, interest calculations and distributions into one consistent process as your client base grows.
A commercial opportunity
Build a cash management service that can improve client outcomes while generating recurring income for your business.
How it works
From opportunity to an ongoing service
Flinq brings structure to the day-to-day work behind your interest arrangements, so your team can focus on clients and banking relationships.
- 1
Shape the opportunity
Work with Flinq and your banking partners to identify eligible cash and agree an arrangement that fits your business and clients.
- 2
Put the arrangement to work
Manage participating accounts and agreed terms in one place, with a clear record as your arrangements evolve.
- 3
Review and distribute
Bring calculated interest, client returns and your revenue together for review, then prepare distributions through your agreed banking process.
A shared view of value
See what your cash service is delivering
Give treasury and finance teams a clear view of participating balances, client interest and cash management revenue. Follow performance across your arrangements and keep review and reporting grounded in the same information.
Returns and revenue depend on your agreed bank terms, participating balances and service arrangement.
Clearer reporting
One view of your arrangement
Participating balances
Understand the cash behind each arrangement.
Client returns
See the interest allocated to your clients.
Your revenue
Track the value of your cash management service.
Discover the potential in your client cash
Talk to us about your cash profile, banking relationships and the opportunity to build an Interest Pooling service for your clients.
Discuss Interest Pooling