Deposit management infrastructure for financial institutions

Deposit products are the foundation of banking, yet many institutions still manage them on legacy systems that are rigid, slow to update, and expensive to maintain. Stitch's deposit management software provides modern, API-first infrastructure for launching and operating savings accounts, term deposits, and demand deposit products. The platform handles the full deposit product lifecycle: account creation, interest rate configuration, accrual calculations, maturity management, regulatory compliance, and real-time reporting. Because deposits run on the same platform as Stitch's card, wallet, and lending products, you can create integrated financial experiences like a wallet that earns interest or a savings account linked to a debit card without additional integrations. Capabilities include savings accounts (configurable with flexible interest rate structures, minimum balance requirements, and goal-based savings), term deposits (fixed-term products with configurable tenors, rates, early withdrawal penalties, and automatic rollover), demand deposits (current accounts with real-time balance tracking and overdraft management), interest rate configuration (fixed, variable, tiered, and promotional rates with automated accrual), automated compliance (built-in regulatory controls for deposit insurance reporting and AML checks), and real-time reporting (dashboards covering balances, inflows, outflows, interest accruals, and maturity schedules).