Launch a regulated, revenue-generating investment product

From trading-only apps with low adoption → to guided, monetizable investments.

Accounts protected up to USD 500,000 by SIPC.
AI Advisor with constant oversight
Automatic or self-directed accounts
One API for full investment infrastructure
Full UX/UI control while Wealth2B handles custody, compliance, execution

The Problem

Most Robin Hood–style apps in emerging markets struggle with low adoption and minimal revenue. Burden of investing falls entirely on the user. The trading-only model is rarely profitable.

One product, two investment paths.

Always monitored. Always regulated.

Automatic Investment

The Advisor fully manages capital: allocation, rebalancing, and risk control.

Flexible horizons from 1 day to multiple years
Portfolios aligned with user risk profiles
Fully automated oversight

Self-Directed Investment

Users trade independently, with constant Advisor supervision.

Live trading among thousands of investment options
Real-time monitoring and alerts
Balance between autonomy and security

Yield Accounts

Optional yield generation for any account, via the FDIC Bank Sweep Program.

Interest up to ~4% annually (market dependent)
Retain balances on your platform with daily yield
Simple, compliant cash management tool

"
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Millions are ready to invest but lack experience. Wealth2B takes the fiduciary duty so you can capture the opportunity.

API Integration

One API call. Full investment infrastructure.

Fast Setup

Sandbox and staging environment ready to test immediately.

Secure Authentication

All requests use JWT with API key/secret.

Comprehensive Coverage

Accounts, KYC, money movements, orders, positions, documents, and market data.

Real-time Feeds

WebSocket price data and webhook event notifications.

Fast Setup

Sandbox and staging environment ready to test immediately.

Secure Authentication

All requests use JWT with API key/secret.

Comprehensive Coverage

Accounts, KYC, money movements, orders, positions, documents, and market data.

Real-time Feeds

WebSocket price data and webhook event notifications.

Developer Resources

Chat with our documentation

Automatic Investment

Automatic portfolios, grounded in academic research.

Our methodology is built on three core principles:

Markets are unpredictable in the short term

Focus on long-term risk management.

Risk and return are linked

Higher risk must deliver higher expected return.

Global diversification reduces volatility

Spread risk across regions and asset classes.

Markets are unpredictable in the short term

Focus on long-term risk management.

Risk and return are linked

Higher risk must deliver higher expected return.

Global diversification reduces volatility

Spread risk across regions and asset classes.

Five-step process:

1
Define investor profile
Risk tolerance assessed across capacity, need, and willingness.
2
Diversify globally
Equities, bonds, real estate, commodities, alternatives.
3
Select instruments
Low-cost, liquid ETFs chosen on expense ratio, liquidity, tracking error.
4
Apply Risk Parity model
Each asset contributes proportionally to total risk.
5
Quarterly rebalancing
Portfolios realigned automatically, eliminating manual intervention.

Define investor profile

Risk tolerance assessed across capacity, need, and willingness.

Diversify globally

Equities, bonds, real estate, commodities, alternatives.

Select instruments

Low-cost, liquid ETFs chosen on expense ratio, liquidity, tracking error.

Apply Risk Parity model

Each asset contributes proportionally to total risk.

Quarterly rebalancing

Portfolios realigned automatically, eliminating manual intervention.

Portfolio Examples

Very Conservative

Very Low Risk

CAGR2.8%

Max Drawdown0%

Conservative

Low Risk

CAGR3.9%

Max Drawdown-7.9%

Moderate

Medium Risk

CAGR4.6%

Max Drawdown-14.1%

Aggressive

High Risk

CAGR10.0%

Max Drawdown-16.1%

Very Aggressive

Very High Risk

CAGR14.3%

Max Drawdown-16.9%

Income

Low Risk

CAGR5.8%

Max Drawdown-6.2%

Get the full backtest report

PDF with methodology and results

Try a risk‑profile example

See a portfolio recommendation

Self-Directed Investment

Full trading capabilities. Professional infrastructure.

Trading Features:

Market Orders

Execute instantly at current price.

Limit Orders

Execute only at the specified price or better.

DAY / GTC

Expire end of day or remain active until cancelled.

Coming Soon

More order types coming soon.

Asset Universe:

Complete Asset List

View Full List →

Access our comprehensive database of available instruments including U.S. equities, ADRs, ETFs, and more.

Institutions choose which instruments to enable, from tens of thousands available.

Continuous Oversight

Wealth2B monitors self-directed accounts quarterly against the W2B Index using risk-adjusted metrics, and automatically sends educational alerts when performance falls behind the benchmark.

Collateralized Loans

Unlock liquidity. Keep your investments.

For Users

Borrow against invested portfolios without selling assets.
Maintain long-term growth while accessing short-term cash.

For Institutions

Fund loans with your own capital or use Wealth2B's credit line.
Offer a premium product traditionally reserved for private banking.
Strengthen customer retention while opening new revenue streams.

Institutions configure terms, revenue models, and risk controls to tailor the lending program.

Business Cases & Benefits

Proven revenue models. Measurable outcomes.

Balance Monetization

Pay interest on idle balances to improve retention and generate revenue.

Wallet Share Expansion

Users consolidate more assets into your platform, increasing account size.

Incremental Revenue

Charge for advisory and investments from day one.

Differentiation

Stand out by guiding users with a regulated advisor, not just trading.

Conversion at Scale

Large user bases translate into high-margin recurring revenues.

Pricing Models You Control

Model

Description

Example

Subscription Fee

Flat monthly or annual fee for access.

e.g., $9/month per active account

Management Fee

Percentage of AUM, aligned with growth.

e.g., 1.20% of AUM annually

Transaction Fee

Small fee on self-directed trades.

e.g., $4.25 per trade

Yield Spread

Capture margin between wholesale yield and user rate.

e.g., 0.80% spread retained

Premium Tiers

Free, paid, and premium account levels to upsell engaged users.

e.g., Gold/Platinum tier benefits

Scroll horizontally to view full table

Examples from Integrations

Global neobank

→ launched yield accounts across multiple countries. Monetization via subscriptions.

LatAm finance app

→ combined trading + robo-advisor. Revenues from subscriptions, transaction fees, and management fees.

Global payroll platform

→ embedded robo-advisor in contractor wallets. Monetization via straightforward management fee.

Run your numbers with our Revenue Calculator →

KYC & Account Opening

Seamless onboarding. Global compliance.

No duplicate onboarding

Pass existing KYC data and documents via API.

Flexible setup

Keep your own KYC process (subject to approval) or use Wealth2B's integrated service.

Instant account approval

Immediate activation once requirements are met.

Compliance by design

Aligned with U.S. and international regulatory standards.

No duplicate onboarding

Pass existing KYC data and documents via API.

Flexible setup

Keep your own KYC process (subject to approval) or use Wealth2B's integrated service.

Instant account approval

Immediate activation once requirements are met.

Compliance by design

Aligned with U.S. and international regulatory standards.

Supported jurisdictions

Accounts can be opened for users in supported jurisdictions worldwide.

View full list of approved countries →

Security & User Trust

Bank-grade security. Regulatory compliance.

SIPC Protection

Investments protected up to USD 500,000 by SIPC (Securities Investor Protection Corporation).

FDIC Bank Sweep

Idle balances can generate daily yield in FDIC-insured deposit accounts.

Regulated Infrastructure

Wealth2B operates as a U.S. Registered Investment Advisor (RIA) under SEC oversight.

Segregated Custody

Client assets are held in segregated accounts with regulated custodians; Wealth2B never takes custody.

Data Security

End-to-end encryption and compliance with U.S. and international data protection standards.

Transparency by Design

Every transaction logged, reconciled, and auditable; disclosures always accessible.

Regulatory & Legal Resources

Legal Section

Example user contract, Privacy Notice, CRS

Firm Brochure (SEC IAPD)

files.adviserinfo.sec.gov

Wealth2B SEC Registration

adviserinfo.sec.gov

Custodian Regulatory Registration

brokercheck.finra.org

Custodian Disclosures

alpaca.markets

SIPC

sipc.org

Funds Flow

Seamless money movement. Multiple funding options.

Standard Rails (always available):

Users can move funds directly into or out of their individual investment accounts using:

ACH

U.S. domestic transfers

Wire

Fast domestic and international

SWIFT

International transfers

ACATs

Portfolio transfers from other brokers

Settlement Options (flows from client-owned user accounts):

Institutions can configure how client-owned account flows are settled.

Aggregation

Group user transactions before settlement to reduce transfer volume.

Net Settlement

Consolidate deposits and withdrawals into a single daily net transfer.

Separate Transfers

Keep deposits and withdrawals distinct for operational clarity.

Funding Models (institution-level configuration):

Institutions define how funds are credited and reconciled at custodian level.

Just-In-Time

Balances credited once funds hit the custodian.

Prefunding

Maintain a float with the custodian for immediate credits.

Instant Credit

Wealth2B advances funds to users, with same-day reconciliation.

Settlement Methods (applies to all funding models)

All funding models can be executed using the following settlement methods.

Wire / ACH

U.S. domestic transfers and fast settlements.

SWIFT

International transfers.

Stablecoins

Conditional

Available only under certain circumstances, subject to custodian approval and Travel Rule compliance.

Regulatory Compliance

Built for compliance. Ready for audit.

SEC Registered RIA

Wealth2B operates as a U.S. Registered Investment Advisor, carrying fiduciary responsibility.

Global Coverage

Partnerships with regulated broker-dealers, custodians, and financial entities across multiple jurisdictions.

Clear Responsibilities

Wealth2B and licensed partners bear regulatory obligations; your institution focuses on UX and client relationships.

Ready-to-Use Framework

Contractual templates, disclosures, and compliance documents provided to accelerate go-to-market.

From SEC registration to global partnerships, compliance is already built in.

Next Steps

Your path to launch. Three simple phases.

Limited Live (Pilot Access)

Immediate launch in production with simplified onboarding.
Test directly with your platform and real users.
Supported by the Wealth2B team, with operational limits in place.

Business Case & Compliance Assessment

Runs in parallel with the pilot.
Comprehensive review of your monetization strategy and compliance needs.
Defines the regulatory and operational framework tailored to your launch.

Full Rollout

Expand to your entire user base and supported jurisdictions.
Wealth2B manages regulatory coverage and infrastructure at scale.
Your institution focuses on product, UX, and growth.

Frequently Asked Questions

Find answers to common questions about Wealth2B's investment infrastructure, integration process, and regulatory framework.