Raisin is a bank's outsourced digital branch; it offers a turnkey, digital solution for raising retail deposit funding. With the Raisin funding platform, banks can raise deposits from US individuals. There is no IT integration required; Raisin provides the full deposit value chain (B2C front-end, KYC/AML, ACH fund flows, reporting, customer service, etc.). These deposits are held in an administratively efficient custodial account and each customers’ funds are insured by the FDIC up to applicable limits. Banks have the same control and flexibility through the platform as they do with their own direct deposit efforts, and can leverage Raisin to test new products or source incremental liquidity without cannibalizing or repricing their direct funding base.