Secure Yield Generation for EMIs and PIs
Industry Insights | 3rd December, 2025
Over the past decade, Electronic Money Institutions (EMIs) and Payment Institutions (PIs) have transformed how money moves.
Yet one part of the business has stayed stubbornly inefficient:
Safeguarded client funds earn nothing.
Billions sit parked in segregated accounts with high-street banks. Protected, but idle.
Meanwhile, qualifying Government Money Market Funds (MMFs) are stable, liquid and produce risk-free returns that are fully permissible under PSR2017 and EMR2017.
Why Are EMIs and PIs Not Using them?
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Onboarding directly to institutional MMFs is hard.
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Custodian onboarding is harder.
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Compliance paperwork (especially SUP15) takes time.
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Most operators simply don’t have the bandwidth.
That’s exactly why we created EMI Treasury.
What We’ve Built
We’re excited to announce that EMI Treasury is now incorporated, live, and ready to support the market.
We’ve partnered with UK and EU-authorised custodians and the largest eligible AAA-rated MMFs to give EMIs/PIs a simple route to earning yield - while maintaining full safeguarding compliance.
A single onboarding and custodial relationship provides simplicity in a world of complexity.
We also assist with the SUP15 notification and all required documentation.
Put simply: We handle the work, you unlock the yield.
Why This Matters Now
- Safeguarded balances are growing.
- Interest rates remain meaningful.
- Regulators continue to push for tighter safeguarding discipline.
This is an opportunity for EMIs and PIs to:
- Improve financial resilience
- Enhance profitability
- Strengthen safeguarding frameworks
- Reduce concentration risk with traditional banks
All without changing your operating model.
Who We Built This For
- EMIs & PIs
- Fast-growing fintechs handling client money
- Firms looking to diversify safeguarding strategies
- Treasury teams wanting yield without additional risk
If you hold safeguarded balances, we can help you earn on them.
Discuss your safeguarding and yield strategy with EMI Treasury
Ready to explore your treasury options as an EMI or PI, or to maximise the yield on safeguarded funds?
This article is provided for informational purposes only and does not constitute legal, regulatory, or investment advice. EMIs and PIs should seek independent professional advice before implementing safeguarding changes.
