Deploy and manage new or existing accounts with a few clicks while choosing the account types that suit your business needs best.
Escrow account - named account holder legally and beneficially owns the funds in the account.  Ownership shifts to designated beneficiary upon satisfaction of the conditions of disbursement.

FBO account - named account holder legally owns the funds and the customer’s customers beneficially own the funds.  Beneficial ownership shifts to designated beneficiary upon satisfaction of the conditions of disbursement.
New account creation and selecting account types is a breeze using our account configuration tool. Our operations & compliance team will take care of the rest.

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. and Puerto Rico. 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.

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Benefits over traditional banking

What makes a trust company better for your needs than a traditional bank?

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