Trust Center
Last Updated November 3rd, 2025
American Estate & Trust (AET) is a Nevada-regulated trust company providing custody, escrow and technology services for alternative assets and tax advantaged accounts. We operate under ongoing examination, bonding, and audit requirements.
- Nevada-chartered trust company
- Audited AML/BSA program
- SOC I Type II compliant
- 24/7 monitoring
Regulatory & Oversight
AET is chartered as a trust company in the State of Nevada. We are regulated under Nevada trust company law and are subject to examination, minimum capital requirements, and bonding requirements. Our operations are reviewed on an ongoing basis by state examiners.
Our obligations include:
- Maintaining required capital and liquidity at all times
- Maintaining a fidelity bond and other insurance requiremnets
- Submitting to periodic regulatory examinations of our books, systems, procedures, and internal controls
- Maintaining leadership and governance subject to fitness-and-propriety review
AET is not an unregulated administrator or fintech startup. We operate as a licensed trust company. Our work is examined and tested against formal trust company requirements, not just internal policy.
Compliance & AML
AET maintains a formal Bank Secrecy Act / Anti-Money Laundering (BSA/AML) program. This program is designed to detect, prevent, and report activity associated with fraud, money laundering, terrorist financing, sanctions evasion, and other prohibited activity.
Core components of our compliance framework include:
- Customer Identification Program (CIP / KYC): Identity verification at onboarding for all new accounts
- OFAC Screening: Screening against U.S. Treasury sanctions lists and other watchlists
- Ongoing transaction surveillance and behavioral monitoring for unusual or high-risk activity
- Suspicious Activity Report (SAR) evaluation and escalation
Client activity is monitored throughout the relationship. Transactions and instructions that present elevated risk receive additional review.
AET’s compliance program undergoes:
- Independent review and testing
- Periodic policy updates aligned with regulatory expectations
- Annual employee training for relevant staff
- Ongoing systems tuning to improve false-positive reduction and escalation quality
We will deny or delay transactions if required to satisfy regulatory obligations or if are not permitted under applicable laws. We will also request supporting documentation (for example: operating agreements, subscription agreements, proof of authorization, invoices, lien releases, recorded deeds, etc.) when needed to validate instructions.
Find out more about AET’s commitment to compliance
Technology
Protecting client information and instructions is a core obligation of AET. We build and operate our own core technology platform on modern cloud infrastructure, giving us direct control over data, systems, and process integrity. Our systems and controls are independently audited under SOC 1 Type II and examined by the Nevada Financial Institutions Division to ensure ongoing compliance. We continuously review and improve these systems to maintain consistent, reliable custodial and administrative operations.
Click to download our SOC I Type II Attestation Letter
We publish a real-time status page that shows:
- Platform availability and uptime
- Any scheduled maintenance
- Any known delays in onboarding, transfers, or transaction processing
- Current turnaround times during periods of elevated volume
You can view current and historical availability, including incident history and resolution notes, at our public status page.
Operating Speed & SLAs
We believe transparency includes giving you realistic expectations about timing. Below are typical (median) processing times for common events. Actual timing depends on accuracy of paperwork, completion of funding, regulatory review requirements, and the specific investment type.
Account Opening
- Fully automated digital IRA account creation: ~5 minutes from application submission to approval
- Accounts sent to manual review (for example, watchlist hits or missing documentation): typically cleared within 1 business day once all requested information is provided
Funding & Transfers
- Standard funding after account approval: typically initiated within 2 business days once assets or cash are available and transfer paperwork is complete
- Incoming transfers from another custodian, or rollovers: timing is dependent on the releasing institution and may require signatures or medallion guarantees outside of AET’s control
Investment Direction & Asset Purchase
- Most properly completed investment direction requests are reviewed within 1–2 business days
- Certain alternative assets (for example: private placements, promissory notes, real estate closings) may require additional due diligence, entity review, recorded documents, subscription agreements, or proof of valuation
- Transactions missing required documentation or signatures will not be processed
Distributions & Payments
- Cash distributions, when all compliance checks are passed and funds are available, are generally initiated within 1–2 business days
Operational Note
- “Business day” refers to standard U.S. banking days. Weekends and federal banking holidays are excluded.
If you submit complete, accurate paperwork and your account is funded, we move quickly. Delays almost always come from missing signatures, incomplete agreements, or third-party lag (title companies, prior custodians, counterparties).
See Onboarding & Funding Timelines
Quarterly Trust & Operations Report
Each quarter, AET prepares a summary of operational performance, control activity, and service metrics. This report is designed for clients, advisors, auditors, and partners who need to understand how we are operating as a fiduciary.
A typical report includes:
- Account onboarding metrics (approval times, review rates)
- Operations metrics (transaction volume, processing times)
- System reliability (uptime, maintenance events)
- Compliance and audit milestones (e.g. completion of independent reviews, policy updates, examiner findings resolved)
- Enhancements to client experience (for example, new processing tools, automation, document workflows, or added service coverage hours)
We intend this report to show not just marketing claims, but measurable performance and governance discipline over time.
Download the most recent report: