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.
Family Offices, in 15 seconds
Sound on. Per-entity, per-property sub-accounts. T-Bill yield on every idle dollar. One clean statement. Custodied at Wells Fargo.
More than escrow.
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 in segregated custody — never commingled with anyone else's capital.
Holdco, opco, GP, LP, trust, IRA — each gets its own segregated sub-account — never commingled and independent reporting.
Capex reserves, operating accounts, security deposits, 1031 proceeds — separated at the bank level, not the spreadsheet level.
Tiered T-Bill yield on every idle balance — 1.0% to a 2.25% cap by float. 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.
PHOCIS Tech © · For Family Offices
Hold capital for every entity in its own segregated sub-account — earning T-Bill yield in Wells Fargo custody — and move it between accounts, to beneficiaries, or out, with zero transfer fees. Watch the money move.
LLCs · trusts · properties
distribute · invest · between entities
Idle capital earns T-Bill yield in segregated custody — fully liquid, $0 to move. Drag to size your balance.
$10.0M × 2.50% APY = $250,000 a year
APY is tiered by assets under management — 1.0% at $2.5M, up to a 2.5% cap at $10M+. Rates as of June 2026 and subject to change.
How it works: Capital is held in segregated third-party custody in Wells Fargo custody, earning yield while idle. Stack a separate sub-account for every entity, property, or beneficiary — and move funds between them, or out, with zero transfer fees and full 24/7 control. Illustration only.
Tiered by average float: 1.0% APY from $2.5M, stepping up at each balance tier to a 2.25% APY cap at $10M+. At the cap, that's $225,000 a year per $10M of float — 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. Every wire and ACH transfer is free. 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."
For the family office
The control and discretion you expect — with the idle balances finally working for you.
Funds held quietly at Wells Fargo in segregated third-party custody. No commingling, no third-party officer, no noise.
Reserves and escrow that used to sit at 0% earn T-Bill yield — without giving up access or control.
Every entity reconciled daily with a complete, exportable trail your accountants and auditors will appreciate.
Every sector gets a different demo. Pick the one that fits.
Open your account in under 5 minutes →Account stacking, custody, and the APY tiers — on one page. Tell us where to send it.
Rates current as of June 2026 and subject to change. We’ll only use your details to follow up about PHOCIS Tech ©.