diff --git a/packages/orchestration/src/exos/portfolio-holder-kit.js b/packages/orchestration/src/exos/portfolio-holder-kit.js
new file mode 100644
index 000000000000..319832e7988f
--- /dev/null
+++ b/packages/orchestration/src/exos/portfolio-holder-kit.js
@@ -0,0 +1,200 @@
+import { M, mustMatch } from '@endo/patterns';
+import { E } from '@endo/far';
+import { VowShape } from '@agoric/vow';
+import { Fail } from '@endo/errors';
+import {
+  TopicsRecordShape,
+  PublicTopicShape,
+} from '@agoric/zoe/src/contractSupport/topics.js';
+import { makeScalarBigMapStore } from '@agoric/vat-data';
+
+const { fromEntries } = Object;
+
+/**
+ * @import {MapStore} from '@agoric/store';
+ * @import {VowTools} from '@agoric/vow';
+ * @import {ResolvedPublicTopic, ResolvedTopicsRecord} from '@agoric/zoe/src/contractSupport/topics.js';
+ * @import {Zone} from '@agoric/zone';
+ * @import {CopyMap} from '@endo/patterns';
+ * @import {OrchestrationAccount} from '@agoric/orchestration';
+ * @import {ResolvedContinuingOfferResult} from '../utils/zoe-tools.js';
+ */
+
+/**
+ * @typedef {{
+ *   accounts: MapStore<string, OrchestrationAccount<any>>;
+ *   publicTopics: MapStore<string, ResolvedPublicTopic<unknown>>;
+ * }} PortfolioHolderState
+ */
+
+const ChainNameM = M.string();
+
+const AccountEntriesShape = M.or(
+  M.arrayOf([M.string(), M.remotable('OrchestrationAccount')]),
+  M.mapOf(M.string(), M.remotable('OrchestrationAccount')),
+);
+const PublicTopicsShape = M.or(
+  M.arrayOf([M.string(), PublicTopicShape]),
+  M.mapOf(M.string(), PublicTopicShape),
+);
+
+/**
+ * A kit that holds several OrchestrationAccountKits and returns a invitation
+ * makers.
+ *
+ * @param {Zone} zone
+ * @param {VowTools} vowTools
+ */
+const preparePortfolioHolderKit = (zone, { watch }) => {
+  return zone.exoClassKit(
+    'PortfolioHolderKit',
+    {
+      invitationMakers: M.interface('InvitationMakers', {
+        Action: M.call(ChainNameM, M.string(), M.arrayOf(M.any())).returns(
+          VowShape,
+        ),
+      }),
+      holder: M.interface('Holder', {
+        asContinuingOffer: M.call().returns({
+          publicSubscribers: TopicsRecordShape,
+          invitationMakers: M.any(),
+        }),
+        getPublicTopics: M.call().returns(TopicsRecordShape),
+        getAccount: M.call(ChainNameM).returns(M.remotable()),
+        addAccount: M.call(
+          ChainNameM,
+          M.remotable(),
+          PublicTopicShape,
+        ).returns(),
+      }),
+      getInvitationMakersWatcher: M.interface('GetInvitationMakersWatcher', {
+        onFulfilled: M.call(
+          M.splitRecord({
+            invitationMakers: M.any(),
+            publicSubscribers: M.any(),
+          }),
+        )
+          .optional({
+            action: M.string(),
+            invitationArgs: M.arrayOf(M.any()),
+          })
+          .returns(M.promise()),
+      }),
+    },
+    /**
+     * @param {Iterable<[string, OrchestrationAccount<any>]>
+     *   | CopyMap<string, import('@endo/marshal').Passable>} accountEntires
+     * @param {Iterable<[string, ResolvedPublicTopic<unknown>]>
+     *   | CopyMap<string, import('@endo/marshal').Passable>} publicTopicEntires
+     */
+    (accountEntires, publicTopicEntires) => {
+      mustMatch(accountEntires, AccountEntriesShape, 'must provide accounts');
+      mustMatch(
+        publicTopicEntires,
+        PublicTopicsShape,
+        'must provide public topics',
+      );
+      const accounts = harden(
+        makeScalarBigMapStore('accounts', { durable: true }),
+      );
+      const publicTopics = harden(
+        makeScalarBigMapStore('publicTopics', { durable: true }),
+      );
+      accounts.addAll(accountEntires);
+      publicTopics.addAll(publicTopicEntires);
+      return /** @type {PortfolioHolderState} */ (
+        harden({
+          accounts,
+          publicTopics,
+        })
+      );
+    },
+    {
+      invitationMakers: {
+        /**
+         * @param {string} chainName key where the account is stored
+         * @param {string} action invitation maker name, e.g. 'Delegate'
+         * @param {unknown[]} invitationArgs
+         */
+        Action(chainName, action, invitationArgs) {
+          const { accounts } = this.state;
+          accounts.has(chainName) || Fail`no account found for ${chainName}`;
+          const account = accounts.get(chainName);
+          return watch(
+            E(account).asContinuingOffer(),
+            this.facets.getInvitationMakersWatcher,
+            { action, invitationArgs },
+          );
+        },
+      },
+      holder: {
+        // XXX type. like `OrchestrationAccountI['asContinuingOffer']` but
+        // returns a Vow<Invitation> instead of a Promise<Invitation> as the
+        // accounts are remote
+        asContinuingOffer() {
+          const { invitationMakers } = this.facets;
+          const { publicTopics } = this.state;
+          return harden({
+            publicSubscribers: fromEntries(publicTopics.entries()),
+            invitationMakers,
+          });
+        },
+        /** @returns {ResolvedTopicsRecord} */
+        getPublicTopics() {
+          const { publicTopics } = this.state;
+          return harden(fromEntries(publicTopics.entries()));
+        },
+        /**
+         * @param {string} chainName key where the account is stored
+         * @param {OrchestrationAccount<any>} account
+         * @param {ResolvedPublicTopic<unknown>} publicTopic
+         */
+        addAccount(chainName, account, publicTopic) {
+          if (this.state.accounts.has(chainName)) {
+            throw Fail`account already exists for ${chainName}`;
+          }
+          zone.isStorable(account) ||
+            Fail`account for ${chainName} must be storable`;
+          zone.isStorable(publicTopic) ||
+            Fail`publicTopic for ${chainName} must be storable`;
+
+          this.state.publicTopics.init(chainName, publicTopic);
+          this.state.accounts.init(chainName, account);
+        },
+        /**
+         * @param {string} chainName key where the account is stored
+         */
+        getAccount(chainName) {
+          return this.state.accounts.get(chainName);
+        },
+      },
+      getInvitationMakersWatcher: {
+        /**
+         * @param {ResolvedContinuingOfferResult} result
+         * @param {{ action: string; invitationArgs: unknown[] }} ctx
+         * @returns {Promise<Invitation>}
+         */
+        onFulfilled({ invitationMakers }, { action, invitationArgs }) {
+          return E(invitationMakers)[action](...invitationArgs);
+        },
+      },
+    },
+  );
+};
+
+/** @typedef {ReturnType<typeof preparePortfolioHolderKit>} MakePortfolioHolderKit */
+/** @typedef {ReturnType<MakePortfolioHolderKit>} PortfolioHolderKit */
+
+/**
+ * @param {Zone} zone
+ * @param {VowTools} vowTools
+ * @returns {(
+ *   ...args: Parameters<ReturnType<typeof preparePortfolioHolderKit>>
+ * ) => PortfolioHolderKit['holder']}
+ */
+export const preparePortfolioHolder = (zone, vowTools) => {
+  const makeKit = preparePortfolioHolderKit(zone, vowTools);
+  return (...args) => makeKit(...args).holder;
+};
+/** @typedef {ReturnType<typeof preparePortfolioHolder>} MakePortfolioHolder */
+/** @typedef {PortfolioHolderKit['holder']} PortfolioHolder */
diff --git a/packages/orchestration/test/exos/make-test-coa-kit.ts b/packages/orchestration/test/exos/make-test-coa-kit.ts
new file mode 100644
index 000000000000..40d7f643c16d
--- /dev/null
+++ b/packages/orchestration/test/exos/make-test-coa-kit.ts
@@ -0,0 +1,57 @@
+import { Far } from '@endo/far';
+import { heapVowE as E } from '@agoric/vow/vat.js';
+import { prepareRecorderKitMakers } from '@agoric/zoe/src/contractSupport/recorder.js';
+import type { ExecutionContext } from 'ava';
+import { commonSetup } from '../supports.js';
+import { prepareCosmosOrchestrationAccount } from '../../src/exos/cosmos-orchestration-account.js';
+
+export const prepareMakeTestCOAKit = (
+  t: ExecutionContext,
+  bootstrap: Awaited<ReturnType<typeof commonSetup>>['bootstrap'],
+  { zcf = Far('MockZCF', {}) } = {},
+) => {
+  const { cosmosInterchainService, marshaller, rootZone, timer, vowTools } =
+    bootstrap;
+
+  const { makeRecorderKit } = prepareRecorderKitMakers(
+    rootZone.mapStore('CosmosOrchAccountRecorder'),
+    marshaller,
+  );
+
+  const makeCosmosOrchestrationAccount = prepareCosmosOrchestrationAccount(
+    rootZone.subZone('CosmosOrchAccount'),
+    makeRecorderKit,
+    vowTools,
+    // @ts-expect-error mocked zcf
+    zcf,
+  );
+
+  return async ({
+    storageNode = bootstrap.storage.rootNode.makeChildNode('accounts'),
+    chainId = 'cosmoshub-99',
+    hostConnectionId = 'connection-0' as const,
+    controllerConnectionId = 'connection-1' as const,
+    bondDenom = 'uatom',
+  } = {}) => {
+    t.log('exo setup - prepareCosmosOrchestrationAccount');
+
+    t.log('request account from orchestration service');
+    const cosmosOrchAccount = await E(cosmosInterchainService).makeAccount(
+      chainId,
+      hostConnectionId,
+      controllerConnectionId,
+    );
+
+    const accountAddress = await E(cosmosOrchAccount).getAddress();
+
+    t.log('make a CosmosOrchestrationAccount');
+    const holder = makeCosmosOrchestrationAccount(accountAddress, bondDenom, {
+      account: cosmosOrchAccount,
+      storageNode: storageNode.makeChildNode(accountAddress.value),
+      icqConnection: undefined,
+      timer,
+    });
+
+    return holder;
+  };
+};
diff --git a/packages/orchestration/test/exos/portfolio-holder-kit.test.ts b/packages/orchestration/test/exos/portfolio-holder-kit.test.ts
new file mode 100644
index 000000000000..084b136b4052
--- /dev/null
+++ b/packages/orchestration/test/exos/portfolio-holder-kit.test.ts
@@ -0,0 +1,120 @@
+import { test } from '@agoric/zoe/tools/prepare-test-env-ava.js';
+import { makeCopyMap } from '@endo/patterns';
+import { Far } from '@endo/far';
+import { heapVowE as E } from '@agoric/vow/vat.js';
+import { commonSetup } from '../supports.js';
+import { preparePortfolioHolder } from '../../src/exos/portfolio-holder-kit.js';
+import { prepareMakeTestLOAKit } from './make-test-loa-kit.js';
+import { prepareMakeTestCOAKit } from './make-test-coa-kit.js';
+
+test('portfolio holder kit behaviors', async t => {
+  const { bootstrap } = await commonSetup(t);
+  const { rootZone, storage, vowTools } = bootstrap;
+  const storageNode = storage.rootNode.makeChildNode('accounts');
+
+  /**
+   * mock zcf that echos back the offer description
+   */
+  const mockZcf = Far('MockZCF', {
+    /** @type {ZCF['makeInvitation']} */
+    makeInvitation: (offerHandler, description, ..._rest) => {
+      t.is(typeof offerHandler, 'function');
+      const p = new Promise(resolve => resolve(description));
+      return p;
+    },
+  });
+
+  const makeTestCOAKit = prepareMakeTestCOAKit(t, bootstrap, { zcf: mockZcf });
+  const makeTestLOAKit = prepareMakeTestLOAKit(t, bootstrap, { zcf: mockZcf });
+  const makeCosmosAccount = async ({
+    chainId,
+    hostConnectionId,
+    controllerConnectionId,
+  }) => {
+    return makeTestCOAKit({
+      storageNode,
+      chainId,
+      hostConnectionId,
+      controllerConnectionId,
+    });
+  };
+
+  const makeLocalAccount = async () => {
+    return makeTestLOAKit({ storageNode });
+  };
+
+  const accounts = {
+    cosmoshub: await makeCosmosAccount({
+      chainId: 'cosmoshub-99',
+      hostConnectionId: 'connection-0' as const,
+      controllerConnectionId: 'connection-1' as const,
+    }),
+    agoric: await makeLocalAccount(),
+  };
+  const accountMap = makeCopyMap(Object.entries(accounts));
+
+  const makePortfolioHolder = preparePortfolioHolder(
+    rootZone.subZone('portfolio'),
+    vowTools,
+  );
+  const publicTopics = harden(
+    await Promise.all(
+      Object.entries(accounts).map(async ([chainName, holder]) => {
+        const { account } = await E(holder).getPublicTopics();
+        return [chainName, account];
+      }),
+    ),
+  );
+  // @ts-expect-error type mismatch between kit and OrchestrationAccountI
+  const holder = makePortfolioHolder(accountMap, publicTopics);
+
+  const cosmosAccount = await E(holder).getAccount('cosmoshub');
+  t.is(
+    cosmosAccount,
+    // @ts-expect-error type mismatch between kit and OrchestrationAccountI
+    accounts.cosmoshub,
+    'same account holder kit provided is returned',
+  );
+
+  const { invitationMakers } = await E(holder).asContinuingOffer();
+
+  const delegateInv = await E(invitationMakers).Action(
+    'cosmoshub',
+    'Delegate',
+    [
+      {
+        value: 'cosmos1valoper',
+        chainId: 'cosmoshub-99',
+        encoding: 'bech32',
+      },
+      {
+        denom: 'uatom',
+        value: 10n,
+      },
+    ],
+  );
+
+  // note: mocked zcf (we are not in a contract) returns inv description
+  // @ts-expect-error Argument of type 'string' is not assignable to parameter of type 'Vow<any>'
+  t.is(delegateInv, 'Delegate', 'any invitation maker accessible via Action');
+
+  const osmosisAccount = await makeCosmosAccount({
+    chainId: 'osmosis-99',
+    hostConnectionId: 'connection-2' as const,
+    controllerConnectionId: 'connection-3' as const,
+  });
+
+  const osmosisTopic = (await E(osmosisAccount).getPublicTopics()).account;
+
+  // @ts-expect-error type mismatch between kit and OrchestrationAccountI
+  await E(holder).addAccount('osmosis', osmosisAccount, osmosisTopic);
+
+  t.is(
+    await E(holder).getAccount('osmosis'),
+    // @ts-expect-error type mismatch between kit and OrchestrationAccountI
+    osmosisAccount,
+    'new accounts can be added',
+  );
+
+  t.snapshot(await E(holder).getPublicTopics(), 'public topics');
+});
diff --git a/packages/orchestration/test/exos/snapshots/portfolio-holder-kit.test.ts.md b/packages/orchestration/test/exos/snapshots/portfolio-holder-kit.test.ts.md
new file mode 100644
index 000000000000..3c2ec14d147b
--- /dev/null
+++ b/packages/orchestration/test/exos/snapshots/portfolio-holder-kit.test.ts.md
@@ -0,0 +1,27 @@
+# Snapshot report for `test/exos/portfolio-holder-kit.test.ts`
+
+The actual snapshot is saved in `portfolio-holder-kit.test.ts.snap`.
+
+Generated by [AVA](https://avajs.dev).
+
+## portfolio holder kit behaviors
+
+> public topics
+
+    {
+      agoric: {
+        description: 'Account holder status',
+        storagePath: 'mockChainStorageRoot.accounts.agoric1fakeLCAAddress',
+        subscriber: Object @Alleged: Durable Publish Kit subscriber {},
+      },
+      cosmoshub: {
+        description: 'Staking Account holder status',
+        storagePath: 'mockChainStorageRoot.accounts.cosmos1test',
+        subscriber: Object @Alleged: Durable Publish Kit subscriber {},
+      },
+      osmosis: {
+        description: 'Staking Account holder status',
+        storagePath: 'mockChainStorageRoot.accounts.cosmos1test1',
+        subscriber: Object @Alleged: Durable Publish Kit subscriber {},
+      },
+    }
diff --git a/packages/orchestration/test/exos/snapshots/portfolio-holder-kit.test.ts.snap b/packages/orchestration/test/exos/snapshots/portfolio-holder-kit.test.ts.snap
new file mode 100644
index 000000000000..1b57da063519
Binary files /dev/null and b/packages/orchestration/test/exos/snapshots/portfolio-holder-kit.test.ts.snap differ