Comparison · no crown · not tax or legal advice
Accruit vs Deferred
Accruit and Deferred Inc. are both listed Qualified Intermediaries. Ownership as published: Inspira Financial vs unpublished. This table is the two custody files side by side. It does not award a best QI, invent fees, or fill blanks. A Delaware Statutory Trust interest, if mentioned, is typically a securities offering — a listing here is a custody file.
Accruit fileDeferred fileView checklistCheck custody controls
Published facts, side by side
| Field | Accruit | Deferred |
|---|---|---|
| Legal name | Accruit | Deferred Inc. |
| Ownership (as published) | Inspira Financial | Parent unpublished |
| FEA | FEA member | FEA unknown |
| CES® | CES® on staff; names not published on cited pages | Not published on cited pages |
| How funds are held | Segregated | Segregated |
| Fund-handling note | Client funds held in segregated bank accounts at institutions the firm describes as top-rated. Accruit says it can provide dual-signature accounts requiring exchanger approval before movement of funds, and can provide qualified trust and escrow accounts. | Client funds held at a commercial bank in a segregated deposit account; firm also describes individual FDIC-insured accounts and interest-bearing placement. |
| Dual-signature / who can wire | Dual-sign optional | Wire controls unknown |
| Fidelity / E&O (published) | $50 million fidelity bond · $25 million errors and omissions | $10 million fidelity bond · $5 million errors and omissions |
| Other published coverage | $20 million cyber liability | Up to $175 million FDIC coverage claimed via bank / deposit structure |
| Reverse | Yes | Yes |
| Improvement | Yes | Yes |
| DST (QI administration, not an offering) | Yes | Unknown |
| Published fees | Traditional fee-for-service model. Accruit has published criticism of ‘no-fee’ QIs that live on float; it does not publish a public dollar fee card on the pages cited here. | Forward/standard: published No Fee Exchange ($0). Reverse: starting at $7,000. Improvement/construction: starting at $7,500. Firm states no hidden junk fees on its model; marketing calculator shows illustrative 2.00% APY as of December 11, 2025. |
| Who keeps interest | Not published on cited pages | Firm keeps a share of interest earned on exchange funds as its compensation and shares interest with the exchanger (rates/illustrations dated as of December 11, 2025 on marketing pages). |
| File last sourced | 2026-09-04 | 2026-09-04 |
What stays unknown
Accruit:who keeps interest
Deferred:parent, FEA, CES, dual-signature, DST administration
Unknown is omitted, not graded.Report missing infoif you have a primary URL we missed.
FAQ
Which of these QIs is better?
This page does not pick a winner. It places published custody fields from two QI File listings side by side. A thicker disclosure is not a grade, and an unpublished field is not a finding that the firm is unsafe.
Can I treat a parent logo or a bond number on this table as current coverage?
No. Parent is an ownership note. Insurance figures appear only when the firm’s cited page still prints them. Ask for current certificates. See how to read a listing and segregated vs dual-signature.
Where are the full source lists?
Open the two custody files: Accruit and Deferred. Every figure on this page is copied from those files.
Sources
Copied from the two firm files. Open those pages for the dated URL list.
- QI Services — Accruit
- Accruit Qualified Intermediary Services Flyer (June 2025)
- QI Connect — Accruit
- Private Client Group — Accruit
- Considerations for No Fee 1031 Exchanges — Accruit
- Deferred homepage — No Fee QI claims, bond/E&O, segregated funds
- Deferred pricing / No Fee + interest-share model
- Understanding 1031 Exchange Costs (Judd Schoenholtz, Deferred CEO)
- What are the fees for a 1031 exchange? (Deferred FAQ)
- Deferred announces $3.6M seed (PR Newswire)
More pairs:compare index. Compare these firms only on published custody facts.