Per-entity, per-property segregated sub-accounts custodied at Wells Fargo. T-Bill yield on idle balances. FDIC + SIPC coverage. A daily audit trail your CIO can hand to the board. The treasury infrastructure your office should have had five years ago.
Holdco operating funds at one bank. Capex reserves at another. 1031 proceeds in a QI account. Security deposits scattered across property managers. Distribution accounts at the wealth manager. Every quarter, someone reconciles it by hand — and nobody can answer "what's our cash position right now?" without an email thread.
Built on Wells Fargo Institutional Custody. Configured for multi-entity, multi-property families. Held entirely under your master EIN — never commingled with anyone else's capital.
Holdco, opco, GP, LP, trust, IRA — each gets its own sub-account with its own EIN attribution and independent reporting.
Capex reserves, operating accounts, security deposits, 1031 proceeds — separated at the bank level, not the spreadsheet level.
4.5% T-Bill yield on every idle balance. Daily accrual. Monthly distribution. Configure per sub-account or in aggregate.
Allocate from the treasury sub-account directly into a borrower's loan-level clearing account. No intermediary wires, no QI middleman, instant settlement.
Every movement timestamped, signed, retained for seven years. SOC-2 aligned. Single export for your accountant, attorney, or board.
No public-facing portal. No "investor login." Your office, your team, your access controls. AES-256 end-to-end.
4.5% on idle balances that earn 0.1% at Chase. On a $50M family treasury, that's $2.2M of new annual income with no allocation change and no liquidity tradeoff.
"What did entity X transfer to property Y in Q2?" answered in three seconds, not three days. Every movement signed and exportable.
Wells Fargo, not a startup neobank. FDIC + SIPC on every dollar. The same architecture trillions of dollars in pension assets ride on.
No platform fees. No per-sub-account fees. Free wires and ACH at $100K+ balance. We earn through the treasury yield-share, not by skimming your operations.
"We were running 11 bank relationships across 3 entities. PHOCIS consolidated it to one, with full sub-accounting and a yield I can defend to the board."
"The first month, we earned more on our operating treasury than our entire wealth manager fee for the year. That's when I knew we should have moved sooner."
"Direct deployment into private-credit allocations changed how we underwrite. We can fund a deal from the treasury sub-account into the borrower's clearing account in one move."
Every sector gets a different demo. Pick the one that fits.
Open your account in under 5 minutes →