Forex & trading · Banking & EMI
A single banking relationship, made redundant in 27 days
A profitable forex broker ran its operating account and its client-money banking through a single institution, and was about to scale marketing hard. At the higher volume, one review or one policy change at that bank could freeze both operating cash and client withdrawals at the same time, and there was no second relationship to fall back on.
The broker came to us before anything had broken. The banking was healthy; the concern was structural. Everything the business needed to keep running, and everything its clients needed to withdraw, depended on one bank not changing its mind.
What was actually brokenThe risk was concentration, not conduct. A clean broker with all banking inside one institution is fine until that institution reconsiders forex exposure, at which point operating payments and client withdrawals stop together, with nothing behind them.
Client-money continuity was the sharper edge. A frozen operating account is survivable for a few days; frozen client withdrawals are a regulatory and reputational event, so the redundancy had to protect the client-money flow specifically, not just the operating account.
The route we placedJurisdiction and structure type only. We never name the institutions involved.
- 1
We added a second operating and client-money banking relationship on separate rails, with an institution whose stated appetite covers regulated forex brokerages, sized for the post-campaign volume rather than the current run rate.
- 2
We separated client-money and operating flows across the two relationships so a review or freeze on one leaves both the business and its clients able to keep moving money on the other.
- 3
We prepared the second relationship on the broker's clean history, before the volume ramp changed the risk conversation, so the terms reflect the business as it is rather than as it looks mid-spike.
Banking redundancy engineered before the ramp, not after a freeze.
Week 1
Concentration audit
Mapped operating and client-money flows through the single institution and identified where a review would freeze both at once.
Week 2-3
Second relationship placed
Placed a forex-aware second operating and client-money relationship on separate rails, sized for the projected volume.
Week 4
Redundancy live
Split client-money and operating flows across both relationships and confirmed failover by day 27, ahead of the marketing push.
- Prior rejections
- None, engaged before the problem
- Time to redundant banking
- 27 days
- Protected
- Operating cash and client withdrawals both
- Structure
- Two banking relationships on separate rails
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