FOR FINTECHS, WALLETS AND NEOBANKS

Make customer balances productive. Keep funds liquid.

Explore a hypothesis: set how much must stay available for payments and withdrawals, then ask whether the remainder should be evaluated across eligible digital-asset yield sources.

RETURN PREVIEWS&P ACTIVE PORTFOLIOS

PORTFOLIO ALLOCATION

Cash EquivalentOUSG30%

IncomeJAAA22%

Private CreditACRED8%

Core EquitydeSPXA40%

GrowthSPDM0%

ILLUSTRATIVE ANNUAL RETURN5.0% to 7.5%

Cash: 30%
Income: 30%
Growth: 40%

PORTFOLIO POSTURE ModerateConservativeModerateBalancedGrowthAggressiveLIQUIDITY NEED 50%60%10%MAXIMUM CONCENTRATION 45%45%80%

THE DIFFERENCE

Rules you can see. Not decisions you have to trust.

Decision	Discretionary manager	S&P Automated Portfolios
Rules	Internal process	Your policy, explicit
Execution	Periodic human decision	Continuous and automatic
Sources	Manager chooses	You approve the source list
Cash needed	Team responds	Policy restores it
Proof	Report after the fact	Every move has a reason

Give customer balances more to do.

Bring us your liquidity requirements. Together, we’ll shape a customer yield offering that fits your product—and the simplest way to make it available.