Launch a regulated, revenue-generating investment product
- 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
Why Wealth2B Works
While Robin Hood-style apps struggle with adoption in emerging markets, Wealth2B's guided investment approach with AI oversight delivers higher user engagement and sustainable revenue through professional portfolio management.
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
""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.
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
Investment Projection
Historical performance and future scenarios
Self-Directed Investment
Full trading capabilities. Professional infrastructure.
Trading Features:
Asset Universe:
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.
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
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.
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 & Regulatory Foundations
Institutional-grade safeguards. Compliance built in.
Client assets, custody structures, and regulatory oversight are aligned with U.S. financial standards. Security and compliance are integral parts of the platform architecture — not add-ons.
Segregated Custody
Client assets are held in segregated accounts under each client's name with independent custodians regulated by FINRA and the SEC. Wealth2B never takes custody.
SIPC & FDIC Protection
Investments are protected up to USD 500,000 by the Securities Investor Protection Corporation (SIPC). Idle cash balances may also earn yield in FDIC-insured deposit accounts, up to the applicable limits.
SEC-Registered RIA
Wealth2B operates as a U.S. Registered Investment Advisor under SEC oversight, carrying fiduciary responsibility.
Global Coverage
Partnerships with regulated broker-dealers, custodians, and financial entities across multiple jurisdictions ensure cross-border compliance.
Clear Responsibilities
Regulatory obligations are borne by Wealth2B and licensed partners, allowing your institution to focus on UX and client relationships.
Ready-to-Use Framework
Contractual templates, disclosures, and compliance documentation provided to accelerate your go-to-market readiness.
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:
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.
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.
Product & Offering
Integration & Operations
Regulatory & Compliance
Security & User Trust
Monetization & Business Model
Accounts & Financial Flows
Taxes & Reporting
Still have questions? We're here to help.