Open the FBO account through your bank partner via Treasury Prime's account creation API; confirm the FBO account is established on the bank's core and obtain the account number and routing number for the omnibus account
Create virtual customer accounts for each of your end-users via the Treasury Prime accounts API; each virtual account receives a unique identifier but routes to the shared FBO account's physical routing and account numbers — customer-facing account numbers are logical identifiers managed by Treasury Prime's ledger
Implement a daily reconciliation job: retrieve the FBO physical account balance from the bank (via BAI2 prior-day statement or Treasury Prime balance API); retrieve the sum of all active virtual customer account balances from the Treasury Prime ledger API; compare the two totals and alert if they differ by more than a configurable tolerance
Investigate reconciliation breaks by querying Treasury Prime transaction history for any transactions posted on the physical account that do not have a corresponding virtual account ledger entry — these represent funds that arrived at the physical FBO but were not attributed to a specific customer
Implement a suspense account process for unattributed credits: hold them in a designated suspense virtual account, investigate the payment source, and transfer to the correct customer virtual account once identified using the Treasury Prime account-to-account transfer API
Test the reconciliation process in Treasury Prime's sandbox environment by simulating various edge cases: multiple customers transacting simultaneously, fee postings, interest credits, and failed transfers that reverse — verify the FBO balance and virtual balance sum remain equal after each scenario
Known gotchas
Bank fees charged directly to the FBO omnibus account (e.g., monthly service fees, wire fees) reduce the physical bank balance without a corresponding virtual customer account debit — if fees are not posted to a virtual account (such as a platform fee virtual account), the physical balance will be lower than the sum of customer virtual balances, creating a permanent reconciliation break
Interest credited to the FBO omnibus account by the bank may post as a single credit to the physical account without a corresponding Treasury Prime ledger event; failing to distribute interest to customer virtual accounts proportionally means the physical balance exceeds the virtual balance sum, and the undistributed interest represents funds not legally belonging to the platform
Treasury Prime's sandbox does not always replicate production rate limits and file delivery timing; reconciliation tests that pass in sandbox may encounter timing issues in production where the bank's prior-day statement arrives hours after midnight, causing the reconciliation job to run against yesterday's physical balance rather than today's
Give your agent this knowledge — and 200+ more routes
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