Portfolio overview
Money market book position and policy readiness
Establishes the position of the money market book on Aug 01, 2026 and the governance state of working version v4. Every figure below is produced by the same deterministic evaluation used by execution, cohort analysis and account-level trace.
Accounts in book
12,000
7,641 households on this snapshot
Money market and adjacent deposit accounts loaded from the governed snapshot.
Eligible for decisioning
8,713
72.6% of the book
Population remaining after the six steward-controlled global criteria.
Eligible balance
$846.46M
Average $97.1K per account
Balance exposed to the governed pricing decision on this snapshot.
Weighted average APY
1.40%
Eligible population, current rate
Rate carried before any pricing action is applied.
Decision distribution
Working version v4 evaluated against Aug 01, 2026. Rules are ordered and first match wins, so each eligible account resolves to exactly one cohort.
No Action — Pointer Ineligible
Accounts that cannot receive a standard rate action because no repricing pointer applies.
2,371
27.2% · $207.56M
Relationship Hold — High Balance
High-value relationships held at their current rate to protect the relationship.
553
6.3% · $221.88M
Small Cut Cohort
Low rate sensitivity accounts eligible for the smallest standard reduction.
1,666
19.1% · $116.88M
Medium Cut Cohort
Moderately rate sensitive accounts eligible for the intermediate reduction.
2,166
24.9% · $159.04M
Large Cut Cohort
Highly rate sensitive accounts assessed for the largest standard reduction.
1,183
13.6% · $85.51M
Hold — No Action
Accounts with no governed decision available on this snapshot; held at current rate.
774
8.9% · $55.59M
Governance state
The controls that determine whether this version may be executed and published.
Eligibility funnel
Steward-controlled criteria applied before any policy rule is evaluated.
| Criterion | Excluded | Remaining |
|---|---|---|
| E1 Product Scope | 494 | 11,506 |
| E2 Account Status | 967 | 10,539 |
| E3 Line of Business | 633 | 9,906 |
| E4 Household Type | 572 | 9,334 |
| E5 Balance Exclusion | 621 | 8,713 |
| E6 Suppression List | 0 | 8,713 |
3,287 accounts (27.4%) are removed across 6 criteria before decisioning. Exclusions are attributed to the first failing criterion.
What this console is for
Six governed stages, each with an explicit control point.
Governed inputs
Twenty catalogued attributes carry class, source, steward, lineage and point-in-time history. Only attributes approved for policy use may enter a rule.
Attribute catalogueAuthoring and compilation
Ordered rules are authored against the catalogue, validated across eight checks and compiled into an immutable artifact with a stable digest.
Compile & artifactEvidence and control
Execution produces reconciled cohorts, account-level trace, historical replay and a complete audit record before any rate movement is published.
Execution & controls