Broker-Dealers, Affiliated and Independent

Broker-dealers, whether affiliated with a bank or operating independently, face mounting pressure to retain HNW and UHNW assets, price cash sweep and deposit programs competitively, and compete against digital challengers expanding into the affluent segment. As rate sensitivity grows and clients increasingly move cash into higher-yielding alternatives, firms need more than posted rates — they need a precise view of actual negotiated pricing, behavioral intelligence on how and why clients move assets, and a clear line of sight into flows across sweep programs, deposits, investments, and lending. Curinos provides cash sweep and deposit benchmarking, behavioral analytics, and flow-of-funds intelligence built on actual, negotiated rates — not just posted ones — that help broker-dealers of every structure optimize pricing, protect client relationships, and identify wallet share opportunities. By combining client behavior insights with proprietary competitive intelligence and a real-time view of how assets move across the balance sheet, broker-dealers gain the visibility to price with confidence and act before assets leave the relationship. The result is a more proactive, data-driven approach — one that helps affiliated and independent broker-dealers alike protect HNW and UHNW relationships, optimize margin across cash and deposit products, and outcompete in the markets that matter most.