Liquidity investment solutions
Maximize excess cash, improve liquidity visibility, and automate investments sweeps with HSBC Innovation Banking.
Turn idle cash into strategic working capital
Growing businesses need complete visibility into cash across every account. HSBC Innovation Banking helps finance and treasury teams consolidate balances, automate investment sweeps, and invest excess cash so idle funds generate returns while remaining accessible for operational needs.
Fast-moving businesses need real-time visibility into cash across every account, currency, and region. Monitor global cash positions and make informed liquidity decisions with market-leading treasury tools.
Automatically move excess cash into HSBC liquidity funds or approved investment options, keeping idle balances working while maintaining access to liquidity.
Consolidate excess cash from multiple business accounts into a single master account to improve liquidity visibility and cash management.
Our liquidity, liability, and investment solutions
Distributed deposits
Optimize excess cash, expand FDIC insurance coverage, and automate liquidity management with HSBC Innovation Banking’s Distributed Deposits.
Automated investment sweeps
Automatically move excess cash into HSBC liquidity funds or approved investment options, keeping idle balances working while maintaining access to liquidity.
Cash concentration
Consolidate excess cash from multiple business accounts into a simple master account to improve liquidity visibility and cash management.
Business deposit account
Earn competitive returns on excess cash with a business deposit account while maintaining liquidity for your operations.
Join an extraordinary community of clients
If you’re building what the world should look like next, we can help navigate the path ahead.
*HSBC Innovation Banking is a business division with services provided in the United States by HSBC Bank USA, N.A. and HSBC Ventures USA Inc.
Deposit products offered in the United States by HSBC Bank USA, N.A. Member FDIC.
For clients located outside of the U.S. – Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at www.us.hsbc.com/crossborder. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. Lending products are offered in the U.S. by HSBC Bank USA, N.A. Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A.
*Limitations apply. International calls cover over 190 countries including Western Europe, Canada, Mexico, China and India.
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