regulatory framework

Reserve Trust is a fiduciary and subject to the capital reserve requirements, cybersecurity requirements, and banking compliance standards set forth by the Colorado Division of Financial Services. We are annually audited by a prominent CPA firm to ensure our systems, policies, procedures, and processes are industry leading.

global scale

The Reserve Trust platform is available to customers in a total of 49 U.S. states, Washington D.C., Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. We are currently seeking regulatory approval in other jurisdictions around the world.


All of our website data is transmitted over encrypted Transport Layer Security (TLS) connections (i.e., HTTPS). We partner with enterprise vendors to mitigate against distributed denial-of-service (DDoS) attacks. Internal-only sections of our website have separate access controls and are not exposed to the public Internet.


Reserve Trust offers multiple API options - including WebSockets, public and private REST APIs - to help your business access data and move funds securely using the language of your choice.

Build the future of trust

Reserve Trust is a comprehensively regulated Trust Company committed to the success of its customers by evolving and adapting to regulatory and market conditions. We believe success is defined by protecting the value created by our customers and helping them grow into unimagined business models.

Why trust law?

Understand why Reserve Trust is perfect for embedding financial services and business payments.

Benefits over traditional banking

Learn why Reserve Trust is a top choice, and how it's different than a bank.


We build products that enable technology companies to develop embedded payment solutions with speed, simplicity, and safety. All while breaking the barriers of traditional banking and owning our fiduciary duty.


We do not operate as a traditional bank, merely held to marketplace standards of commercial reasonableness. As a trust company, we hold ourselves to the highest standard in the law: the fiduciary standard.  


Trust, Collaboration, Curiosity, and Drive.