Run the trust company. Connect the banks. Preserve every beneficial owner.
A non-depository trust company is a fiduciary, not a bank: client cash must live in partner-bank FBO accounts while the trust company keeps the authoritative beneficial-owner books. A8 Core™ is built for exactly that operating model.
The operating model, stated plainly
The structure everything else depends on.
Not a depository bank
The trust company does not take deposits; it administers accounts under its charter and policies.
Cash at partner banks
Actual cash is held in FBO accounts at one or more banking partners.
Books at the trust company
A8 Core™ maintains the beneficial-owner books and records that make the pooled cash answerable client by client.
Multiple banking partners
The model supports several partner banks, with capacity and allocation managed daily.
One consolidated view
Each client sees one cash balance, however many banks stand behind it.
One platform for the whole charter
Trust accounting, retirement custody, alternative assets, cash placement, interest, tax, and reporting operate on one platform — not seven systems reconciled by hand.
Trust & fiduciary
Retirement custody
Directed custody with the SDIRA compliance center.
Alternative assets
Alts administered with valuations and 5498 support.
Custodial cash
Omnibus custodial cash — allocation, interest, spread, reconciliation.
Tax & reporting
Tax data & reporting across the book.
Operations
Operations Studio for the teams that run it.
Institution-specific by design
What any given trust company may offer is determined by its charter, jurisdiction, policies, and legal review — A8 Core™ models availability per institution rather than assuming it.
Configure authority
Account types and workflows enabled per the institution’s authority and policy.
Connect partners
Banking, custody, and provider integrations under the institution’s contracts.
Operate with evidence
Daily reconciliation, certifications, and records built for examination.
Built for the charter you actually have.
Walk your trust company’s account model, banking partners, and fiduciary calendar through the platform.