Defend selectively
KeptCap does not treat every dollar of runoff as a save-at-all-costs event. It separates balances worth defending from balances the bank should intentionally allow to leave.
Commercial deposit defense for community banks
Defend the deposits worth keeping.
KeptCap helps community banks identify commercial deposits at risk, understand the economics of retaining them, choose the right response, and know when to let expensive money walk.
No autonomous pricing. No money movement. Banker and ALCO judgment stays in control.
Deposit defense
ELEVATED
Acme Manufacturing
Amount at risk$825K
Requested rate4.60%
Max rational rate4.72%
External activityFidelity
Recommended action
Use insured liquidity / sweep first
Illustrative synthetic example. KeptCap decisions are evidence-based and deterministic.
Why KeptCap
Deposit intelligence that ends in a decision, not another dashboard.
Put a ceiling on the rate
Bank-supplied funding economics become a maximum rational concession and rate, so pricing conversations stay tied to finance discipline.
See the relationship gap
External Activity Intelligence shows where money appears to be moving and gives bankers evidence for a service conversation without claiming customer intent.
The decision loop
From runoff signal to an economically bounded action.
Detect
Surface material balance movement, external outflows, rate pressure, CD maturity, uninsured concentration, and operating activity changes.
Value
Combine deposit exposure with bank-supplied relationship economics and marginal replacement funding cost.
Decide
Recommend defend with rate, defend without rate, insured liquidity, monitor, or LET WALK.
Measure
Record banker action, retained or lost dollars, concession cost, and the outcome of the intervention.
Rate discipline
Sometimes the best deposit decision is not to chase it.
KeptCap compares the requested concession with the bank's own replacement-funding economics and relationship value. If the economics do not support the rate, the system says LET WALK and preserves the evidence behind that decision.
Requested rate
4.95%Maximum rational rate
4.81%LET WALK
Synthetic example
External Activity Intelligence
See where commercial relationship activity appears to be leaving the bank.
When transaction evidence supports it, KeptCap separates ordinary payroll, tax, vendor, and internal-transfer activity from financial destinations such as brokerages, other banks, P2P services, and digital-asset platforms.
Brokerage / investment activity
High evidenceBrokerage / investment activity
High evidencePotential operating-account gap
Evidence shown to bankerKeptCap reports observed transaction evidence. It does not claim to know customer intent.
Bank-hosted by design
The software goes to the bank. Customer data does not need to come to KeptCap.
The KeptCap data plane is designed to run inside the bank-controlled environment with its own database, audit history, configuration, decision engine, and outcome tracking.
Bank systems
Core · Treasury · Loans
→
KeptCap bank data plane
Signals · Decisions · Audit
Bank-local data plane
- Customer and relationship IDs
- Balances, rates, transactions and counterparties
- Loans, CDs and treasury activity
- Recommendations and measured outcomes
No customer-data egress required
Pilot path
Start with a controlled sandbox. Prove the economics before expanding.
1
Map
Approved bank extracts, funding assumptions, security requirements, and environment.
2
Replay
Run historical hard-data signals and review false positives with the bank.
3
Validate
Review external activity, defend-versus-let-walk decisions, and CFO / ALCO totals.
4
Operate
Move to a limited live portfolio with banker action and measured outcomes.