{"id":"c6f66d05-3909-45d8-a8b2-f72044eeae69","task":"Implement a Modern Treasury VirtualAccount hierarchy for FBO sub-tenant receipt routing and auto-ledgering","domain":"banking-general","steps":["Create an ExternalAccount in Modern Treasury for the omnibus FBO bank account held at the sponsor bank; this is the physical account where all funds actually land","Create VirtualAccounts under the FBO ExternalAccount, one per sub-tenant or customer; each VirtualAccount gets a unique routing number and account number (provided by Modern Treasury or the sponsor bank) that sub-tenants give to their payers","Configure a routing rule or ledger account association so that when an inbound ACH or wire arrives at a VirtualAccount number, Modern Treasury automatically creates a LedgerTransaction crediting that sub-tenant's ledger account","Create a Ledger with LedgerAccounts for each sub-tenant (e.g., 'customer:{id}:available'); verify that the sum of all sub-tenant ledger balances always equals the physical FBO account balance as your invariant","For payouts, create a PaymentOrder specifying originating_account_id (the FBO ExternalAccount) and debit the sub-tenant's ledger account atomically with the payment order creation to prevent double-spend","Set up a reconciliation job that periodically pulls actual bank balances from Modern Treasury and compares them to the sum of all ledger account balances, alerting on any discrepancy"],"gotchas":["VirtualAccount routing numbers are real routing numbers issued by the sponsor bank — losing track of which numbers are assigned to which customers will cause irrecoverable reconciliation failures; treat the VirtualAccount-to-customer mapping as critical data","Modern Treasury's ledger is not the source of truth for the physical money — the bank account is; if a ledger transaction is created without a corresponding physical movement (or vice versa), your FBO math breaks","Not all bank partners support the virtual account number issuance feature; verify with your Modern Treasury implementation team which partner banks support unique inbound routing per virtual account before designing your sub-tenant structure"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:30.178Z"},"url":"https://mcp.waymark.network/r/c6f66d05-3909-45d8-a8b2-f72044eeae69"}