You want to add investing. Here is what usually gets in the way.
Wealth is the feature most brands want and fewest manage to do well.
The barrier is entry to high
Wealth products need regulated custody, trading and suitability infrastructure. Most consumer brands cannot build or licence that alone.
Bolt-ons feel like bolt-ons
Add a wealth feature to a banking app the usual way and cusotmers get a disconnect experience, often little more than a link out to somewhere else.
Interesting assets are the hardest
Non-standard assets such as physical gold need particular settlement, custody and provider relationships that conventional stocks and ETF platforms simply do not offer.
Compliance arrives twice
Offering investments brings extra KYC, suitability and regulatory requirements on top of the banking compliance you already carry.
A feature nobody uses is not a feature
Without a genuinely integrated experience, wealth features go unused, which undermines the entire reason for adding them.
Every market moves the goal posts
Launch in several countries and you are juggling different custodians, licensing regimes and KYC rules in each one, with no easy way to unify the experience.
INVESTING, WHERE YOUR CUSTOMERS ALREADY ARE
Not a separate app. All in one.
Most embedded investing providers give you investment infrastructure and nothing else, so you end up integrating them alongside a separate banking stack and hoping the two feel like one product to your customer. They rarely do.
We extend the same modular front end and middleware platform that already handles your accounts, cards and payments, with pre-integrated wealth partners layered into it. Buying gold or investing spare change happens inside the same account and the same app as everyday spending.
Because those partners carry the regulatory, custody and sustainability burden, you never need to become a licensed wealth manager. And because the settlement and provider relationships are already built, you can offer differentiated products such as gold-backed wallets, not just conventional stocks and ETFs.
Launch in one market, then configure different custodians and licensing partners market by market as you expand, without rebuilding from scratch.
HOW WE DELIVER
Explore, configure, operate
The same phased model we use across every AAZZUR proposition.
1. Explore
We agree which asset classes fit your audience, how investing should sit alongside everyday banking, and which wealth partners suit your markets.
Asset class fit
Journey design
Partner selection
2. Configure
We integrate custody, trading and suitability behind your branded front end, so spending and investing share one account and one experience.
Custody & trading
Sustainibility
Unified journey
3. Operate
We keep it running and help it grow, adding further wealth products and new markets from the same ecosystem as your proposition matures.
Hosting
Support
New Markets
ONE PLATFORM
Wealth, on top of everything else.
Wealth blocks sit alongside the banking blocks you already have, sharing the same account, the same app and the same integration.
Investment accounts
Custody
Trading & execution
Suitability checks
Gold & alternative assests
Portfolio & rebalancing
Round ups
Accounts & IBANs
Card issuing
Payments
KYC / KYB
Lending
Insurance
WHO IS THIS FOR
Brands whose customers want more than a current account.
NEOBANKS & CONSUMER FINTECHS
Add investing as a real differeniator
Layer wealth onto the banking proposition you already have, inside the same app, so it drives engagement instead of sitting unused.
AUDIENCES WITH AN ASSET AFFINITY
Serve the way your customers actually invest
Gold for communities that turst it, or investing that meets particiular principles. Configurable modules
WEALTH-FIRST PROPOSITIONS
Build the invesment product, and the banking around it
Get carding, compliance controls without vending negotiations or a bank license of your own.
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