Operating Model Use Cases

These operating model use cases illustrate how various types of financial institutions apply the Direct-Source Model and Indirect-Source Model in real situations. These examples help clarify when each model is appropriate based on the Sending Institution or Source Institutions structure, deposit origination patterns, and operational needs.

Direct-Source Use Cases

Banks Originating Customer Deposits Directly

Banks that maintain direct relationships with depositors and send those deposits directly into the DDM Program.

Participating Institutions with Fully Integrated Treasury Operations

Participating Institutions that manage all deposit flows internally and connect directly to the DDM Program without relying on external systems or partners.

High-Volume Retail or Commercial Deposit Sources

Financial institutions that generate steady inbound deposit activity through standard customer accounts or customer-facing channels.

Indirect-Source Use Cases

State-Chartered Trust Companies Routing Deposits Through a Bank

State-chartered Trust companies that are neither federally chartered nor affiliated with a bank and so rely on a separate bank relationship to function as the Sending Institution in order to deliver deposits into the DDM Program.

Partner Banks Acting as Intermediaries

Banks that do not originate the deposits themselves but send them into the DDM Program for affiliated or partner entities.

Mixed or Conditional Use Cases

Specialized Deposit Channels

Segments such as wealth management, custodial accounts, or agency arrangements that may require different sourcing paths depending on account ownership.