Value Proposition

Monetization
Monetización

We help you improve your unit economics and profitability by generating more revenue from your existing customer base.
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Security
Seguridad

We offer regulated products, protected accounts and prioritize client interests, fulfilling our fiduciary duty.
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Automation
Automatización

We specialize in automated products that allow your users to delegate the management of their investments, tapping into an untapped market of retail investors.

Investment
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Investment Products Offered by Wealth2B

Use our APIs to accelerate the development of automatic and user-friendly investment products.
Bank Sweep

Bank Sweep

Deposit your clients' funds in U.S. dollars in the United States, generate daily yields, and provide immediate liquidity. Each account is FDIC insured up to USD 250,000.

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Diversificación Automática

Automatic Portfolio

Globally diversified investments, automatically managed and adjusted to your users' risk profiles. Investments are made in stocks, bonds, commodities, and real estate worldwide, all through low-cost ETFs.

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Bonos del Tesoro Automáticos

Automatic Treasuries

Your users can invest in U.S. Treasury Bonds, the safest instrument in the world, by simply selecting the amount, term, and their preference at maturity. Wealth2B takes care of the rest.

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Préstamos Colaterizado

Securities-Backed Loans

Allow your users to use their investments as collateral for loans, with easy approval, no credit checks, and immediate funds at competitive rates.

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Trading en Tiempo Real

Real-Time Trading

Access the U.S. stock market, enabling real-time buying and selling of stocks, including fractional shares, catering to dynamic and personalized investment needs.

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FAQs

Wealth2B provides fintechs and banks with an API that allows them to open segregated investment accounts in the U.S. and offer investment services. We handle regulation, portfolio management, operations, custody, and clearing. Additionally, we offer a back-office platform for our clients' teams to access the necessary information and receive support from our operations team.

Once our API is integrated, you only need to focus on creating the user experience, setting your service prices, and handling customer service. Wealth2B takes care of everything else.

Wealth2B serves fintechs and banks worldwide and opens investment accounts for end users in most countries, excluding territories on blacklists or with sanctions.

Wealth2B allows you to launch investment products within weeks without the need to build a specialized structure or obtain new regulatory licenses. Our automated management service enables a broader range of people to delegate their investments, overcoming the barriers of the traditional industry that requires high investment minimums.

The integration of our APIs is quick and efficient, with technical support, documentation, and a sandbox environment available. Additionally, our compliance team conducts a regulatory analysis and provides a compliance manual to facilitate the integration. We also design a fund flow tailored to each client and conduct due diligence to ensure account security.

Our clients have the flexibility to define their own monetization model for investment products. Wealth2B also offers the option to charge directly from users' investment accounts.

Wealth2B only offers segregated investment accounts with an authorized and regulated custodian in the U.S. We do not offer omnibus accounts.

Wealth2B allows individual transfers (via SWIFT, Wire, or ACH) and bulk transfers to facilitate operations. We also offer access to a line of credit for immediate fund crediting, subject to conditions.

Wealth2B does not report holdings or income generated to any tax authorities. Users are responsible for their own tax declarations. Generally, we use Form 1042-S to report dividends and tax withholdings, but depending on the user's tax residence, other IRS-required forms may be used.

Wealth2B Inc. is registered with the Securities and Exchange Commission (SEC) as an Investment Advisor under CRD# 331220. Through this license, Wealth2B provides investment services via its technological platform, assuming a fiduciary duty to the end users of the service.

Additionally, we collaborate with regulated entities in the U.S., as Broker-Dealers and Custodians. Each client remains responsible for analyzing the regulatory limitations in the territories where they operate outside the U.S.

Wealth2B provides consulting services to support this analysis and has agreements with regulated entities across LATAM to address the regulatory needs of our clients in the region.

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