INVESTMENT GOAL
Long-term plan
A clear goal
A strategy aligned with the client’s time horizon, financial capacity, and risk tolerance.
One integration · Multiple ways to invest
Products for getting started, delegating decisions, or investing independently.
Each experience is tailored to a distinct need and point in the client journey.
Liquidity
Interest-bearing account
A simple way to hold U.S. dollars while maintaining liquidity and earning yield, subject to product terms.
Available balanceUSD
Simple accessPartner-branded experience
Management
Managed portfolios
Globally diversified strategies aligned with each client’s profile, goals, and time horizon, with ongoing monitoring and rebalancing.
Client goalA strategy with purpose.
Profile, time horizon, and contributions brought together in one plan.
ProfilePersonalized
ManagementOngoing
Self-directed
Trading
Access to U.S. stocks, ETFs, and other instruments for clients who prefer to make their own investment decisions.
USStocksU.S. companies
ETFETFsDiversified exposure
½Fractional sharesStart investing with less
SmartInvest AI
An advisory system, not a chatbot.
It supports end users while giving the institution a consolidated view for advice, operations, and ongoing service.
Client experienceGuidance built into every decision.
SmartInvest AI active
Primary goal
Buy my first home
AI
Contextual guidance
Your contribution remains aligned with your plan. Staying the course keeps your target time horizon on track.
View explanation →
UnderstandPlanExplainGuide
Institutional back officeActionable client context.
Updated now
MS
Mariana SilvaClient since 2024 · ID 84291
Current profile
AssetsUSD 42,680
ProfileModerate
GoalHome purchase
Contribution processedInvestment plan updated
09:42
Next reviewReview scheduled
12 SEP
Review recommendedLiquidity question detected
NEW
Two paths to market
Choose how much you want to build.
The same infrastructure can be embedded in your channels or delivered as a complete, partner-branded experience.
APIProfilingExecutionCustody
Full control of the client experience.
Embed account opening, funding, trading, portfolios, and event data into your channels.
- Comprehensive REST API documentation
- Operational webhooks
- Sandbox environment
- Modular rollout
A complete experience, ready to match your brand.
Launch with less development effort while keeping your brand front and center.
- Your brand and domain
- Client portal
- Advisor workspace
- Operations back office
Regulatory infrastructure
Trust built in from the start.
Advisory, suitability, recordkeeping, and account structure are built into the experience from day one.
Regulation built inSEC RIA · CRD #331220
Fiduciary duty
Advisory services provided under W2B, Inc.’s SEC registration.
Suitability
Required client information is validated before generating an investment plan or enabling a transaction.
Auditability
Data, recommendations, permissions, and events are recorded for review.
Segregated accounts
Accounts are opened in the end user’s name at regulated U.S. institutions.
Technical resources
Review the architecture. Test the flow.
Technical documentation to move from evaluation to a clearly defined implementation scope.
Frequently asked questions
What to know before integrating.
What does Wealth2B offer?
Wealth2B gives fintechs and banks a single API to open segregated U.S. investment accounts and embed investment products in their own platforms. We handle the regulatory and fiduciary layer, portfolio management, operations, custody coordination, and settlement. SmartInvest AI adds contextual financial intelligence, turning user data and signals into timely education, guidance, and relevant financial experiences within each institution’s own channels. We also provide a Partner Backoffice where client teams can access operational data and receive support.
What is my company responsible for as a Wealth2B partner?
Once the API is integrated, your team owns the user experience, sets end-user pricing, and manages customer support. Wealth2B handles the underlying investment infrastructure and operations.
Where are Wealth2B services available?
Wealth2B serves fintechs and banks globally and can open investment accounts for end users in most countries, subject to eligibility and compliance review. Sanctioned territories and jurisdictions covered by applicable restricted-country lists are excluded.
What are the advantages of integrating Wealth2B instead of working directly with a broker?
Wealth2B lets you launch investment products in weeks without building a specialized investment operation or obtaining your own U.S. investment advisory licenses. Unlike a broker-only integration, Wealth2B combines execution infrastructure, managed portfolios, and SmartInvest AI, which turns customer context and signals into timely education, guidance, and journey actions. Our automated investment management service also expands access by removing traditional barriers such as high minimum investments. Local regulatory requirements may still apply.
What does the Wealth2B API integration process involve?
Integration is designed to be straightforward and efficient, with technical support, comprehensive documentation, and sandbox access. In parallel, our compliance team conducts a regulatory assessment and provides an implementation-focused compliance manual. We also design a tailored funds flow and complete due diligence to support operational security.
How can partners monetize Wealth2B-powered products?
Partners retain full flexibility to define their monetization model and end-user pricing. If desired, Wealth2B can also support fee collection directly from end users’ investment accounts.
How are deposits and withdrawals processed?
Wealth2B supports individual transfers via SWIFT, wire, or ACH, as well as aggregated transfers that simplify treasury operations. We can also provide access to a credit facility for immediate funds availability, subject to eligibility and applicable terms.
What are Wealth2B’s regulatory responsibilities?
Wealth2B, Inc. is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser under CRD #331220. Under this registration, we provide investment advisory services and owe a fiduciary duty to end users. We also work with regulated U.S. broker-dealers and custodians. Each partner remains responsible for assessing its local regulatory obligations and limitations. Wealth2B supports that assessment and maintains agreements with regulated entities across Latin America to help address regional requirements.
For financial institutions
Let’s talk about your investment offering.
Tell us what you want to launch, where, and how you want to integrate.