Virtual Account Management for Every Client and Deal

ACCOUNT ARCHITECTURE

One master account, unlimited virtual accounts

A multi-tier sub-ledger that sits alongside your core. One master account per relationship, unlimited sub-accounts beneath it, each independently tracked, segregated, and reconciled live.

Open virtual accounts, fast

Unlimited sub-accounts created in minutes under one master, no core ticket required.

Track every balance, live

Every sub-account reconciles to the core as transactions post.

Fully routable, by design

Each sub-account moves funds via ACH, wire, instant payment, or check, using its own unique account number.

THE DIFFERENCE

Every sub-account is real and routable

Most virtual accounting solutions are tracking ledgers that behave like purpose-built spreadsheets. To move money, funds are manually swept up to the master account first, then disbursed from there.

Hudson sub-accounts are real, routable accounts. ACHs, Wires, Instant payments, and Checks originate and settle directly at the sub-account level, with no sweep requirements and no broken audit trails.

THE ACCOUNT LIFECYCLE

From intake to disbursement

Every sub-account creation follows the same lifecycle. Your team only gets involved when there are exceptions.

Open the sub-account

A routable account number, party diligence, and state-specific compliance rules, provisioned in minutes without touching the core.

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Receive funds directly

Funds arrive at the sub-account's unique number via ACH, Wire, Instant Payment, or Check and post straight to its ledger, with no manual matching or allocation.

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Hold, sweep, or disburse

Funds hold, sweep, or disburse using programmatic rules. Approval gates and multi-party controls fire where necessary, and nothing moves until all conditions are met.

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Reconcile and audit

Every transaction reconciles to the sub-ledger and your core in near-real time, and the audit trail builds itself as each event fires, exam-ready, and on demand.

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THE ECONOMICS

Low-beta deposits that stay put

Operational deposits (escrow reserves, settlement float, disbursement balances, holdbacks) sit tight at the bank because the workflow requires them to, not because of rate competition.

They carry low deposit beta and high switching costs, so they hold their balance when rates move and stay put when competitors come calling.

Why Hudson?

We help banks win and grow profitable commercial relationships.

Deepen and retain specialty relationships

Win new operating accounts and the deposits behind them

Offer capabilities your core and your competitors can't

Your team focuses on relationships, not reconciliation

Frequently asked questions

How do sub-accounts map to a higher-level general ledger?

Each sub-account category maps to a GL code you define, with sub-account-level suffixes, so activity rolls up to your core exactly the way your reporting expects. Mapping is configured during onboarding.

How does Hudson connect to our core?

Two options. Hudson is assigned a dedicated routing number, or Hudson manages a defined range of account numbers synced from your core. Either way, sub-accounts stay reconciled to the on-core master account.

Is the platform offered under our brand?

The platform is offered as a white-label solution. You'll launch using your brand identity.

How does this work with our current virtual account vendor?

Two options. We can work in parallel with your incumbent vendor, or replace them. No matter the approach, we chart a phased path to migrate you onto routable sub-accounts, typically within 90-120 days.

Is transaction size or volume a consideration?

Our clients process millions of on-platform transactions totaling billions in annual volume. We built our technology for scale and look forward to working with you to launch modern virtual accounting and treasury management solutions.