| You're very close to how it works. In big business it's called Treasury, which derives from Trezor or Safe. For example Apple will have a Treasury department to manage it's cash. They don't put it in safes anymore, because, well you seem like an honest person, but your predecessors had a tendency to steal the money from the safe. You generally don't put it all in one Bank either as they have a tendency to either steal it or gamble it on the markets. A treasury I worked at had software that would pull money from banks across the world into more trusted banks. That's called cash pooling. Then traders in the treasury market would buy up government bonds from stable governments. This costs money and is big business. So perhaps there's a market for treasury as a service (TAAS). |