P B
PATRIMONIO
Merchant Bankers & Trust Co.
House of Patrimonio · Vault
The Merchant's Vault
Segregation, control, and ritual.
The Vault is the heart of the House. It distinguishes between what belongs to Patrimonio, what belongs to clients, and what belongs to trusts and estates. This page describes how the Vault is modeled.
Three Layers of the Vault
House Ledger
Operating & risk
- • Liquidity for obligations of the House itself
- • Buffers for stress and margin calls
- • Risk capital for special situations
Client Cells
Segregated accounts
- • Segregated by legal entity and mandate
- • No comingling with House funds
- • Event trail suitable for auditors & courts
Trust Layer
Patrimonial structures
- • Irrevocable and revocable trusts
- • Estate vehicles and nominee entities
- • Access governed by instruments, not convenience
Vault Control Panel
House View · Vault MatrixInternal Only
Layer
Bucket
Balance
Lock
House Ledger
Ops Liquidity
$18.4M
—
House Ledger
Stress Buffer
$7.2M
Board Rule
Client Cells
Seg. Trust Balances
$291.7M
Instrument
Client Cells
Pending Settlements
$12.3M
T+2
Trust Layer
Patrimonial Trusts
$168.2M
Irrevocable
Movements between layers are treated as formal events: proposals, approvals, postings. The Vault UI is built around those events—not casual transfers.
- • Multi-step approvals for outflows from Client & Trust layers
- • Per-entity rules attached to legal documents
- • Full history for every movement, never silently overwritten
Ritual & Process
The Movement Docket
Every transfer larger than a defined threshold is accompanied by a docket: who requested it, why, under which mandate, and how it affects buffers and commitments.
The Four Eyes Rule
No single officer can authorize a material vault movement alone. The House favors slowness over regret.