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Liquidity & Account Solutions
Grow your business with an account strategy that makes your liquidity work smarter with visibility, control and optimization.
Payments as a strategy
Create a payments strategy that moves liquidity intelligently and unlocks more value from your cash through advanced, real-time currency optimization and global connectivity.

Achieve next-level liquidity objectives with J.P. Morgan
Transform your treasury from an operational to a critical business growth engine with account structuring solutions and agile liquidity management architected with you in mind.

Get insights into your capital, across all channels
Identify and capture new sources of value, gain access to tools to help you manage risks associated with third-party monies and unlock treasury optimization across your organization.
Accounts that do more
Capitalize on market opportunities, including reconciliation, funding effciency, and foreign-exchange management and safeguarding, while meeting financial and business goals.
Physical solutions
Turn cash positions into answers, information and insight, so you can make informed decisions.
- Demand Deposit Account
- Liquidity Management Account
- Earnings Credit Rate
- Escrow
- J.P. Morgan Coin

Virtual accounts
Enable the virtual differentiation of cash
activity within a single account with our
Virtual Account Management solution, which
combines a Demand Deposit Account with a
virtual account subledger.
Third-party money
(3PM)
Identify and capture new sources of value, manage risks associated with 3PM and optimize treasury across your organization.
- Client Money Account
- Sponsored Accounts
Solutions architected for your needs
Account structuring and liquidity optimization.
- Physical cash concentration
- Just-in-time funding
- Notional pooling
- Cross-currency sweeps
- Investment sweeps
Realize the power of global presence with local expertise to achieve visibility, control and optimization of your working capital.
Ecosystems integrated for performance
Unlock new sources of value throughout the payments cycle.

Third-party money
Let us help you navigate the 3PM environment and achieve your e‑commerce goals to hold, transact and optimize third-party funds around the world through physical and virtual accounts.

Embedded banking
Easily embed the banking tools you need into your non-financial platforms to help your customers on their buyer journey, whether they are using non-bank mobile apps or online platforms.
Client Stories
Discover how we are helping clients meet their objectives
Let's talk about solutions for your business
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