Create a top-level Increase ledger account representing the FBO omnibus physical account; configure it as the root of your virtual account tree
For each sub-tenant (end customer), create a child ledger account linked to the FBO root; these are virtual accounts that track sub-tenant balances without requiring separate physical bank accounts
When a sub-tenant initiates an ACH transfer or receives an inbound wire, post a ledger entry to the appropriate child ledger account and the FBO root simultaneously to maintain the invariant that root balance equals sum of child balances
Implement a daily reconciliation job that reads the physical Increase account balance and compares it to the sum of all child ledger account balances; alert on any discrepancy above a threshold
When a sub-tenant withdraws funds, verify the child ledger balance before originating the outbound ACH; reject the request if the child balance is insufficient even if the physical FBO account has adequate funds
Handle inbound payments without a matching sub-tenant identifier by posting to a suspense ledger account; implement a resolution workflow to allocate suspense items within a defined SLA
Known gotchas
Increase ledger accounts are double-entry aware; posting a debit-only entry without a corresponding credit will cause the ledger to reject the entry — always construct balanced journal entries
The physical FBO bank account balance at Increase reflects all settled transactions; inbound ACH credits are not immediately settled and appear as pending — do not credit child ledger accounts until the ACH settles to avoid releasing funds prematurely
Regulatory requirements in some jurisdictions require proof of sub-tenant fund segregation at the ledger level; the Increase ledger account structure provides an audit trail, but your legal team must confirm whether a ledger-only segregation satisfies the applicable rule
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One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp