Treasury & Embedded Investing · Use case

Embed retail brokerage

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Short answer

An embedded brokerage provider handles execution, custody and much of the regulation, while you own the experience. Your core decisions are which instruments to offer, which permissions you operate under, and how suitability or appropriateness is handled in your journey.

What this use case is

An embedded brokerage provider handles execution, custody and much of the regulation, while you own the experience. Your core decisions are which instruments to offer, which permissions you operate under, and how suitability or appropriateness is handled in your journey.

Who builds this

Neobanks
Wealth apps
Super-apps
Employee benefit platforms

What your customer sees

  1. 1Opens an investment account
  2. 2Answers suitability or knowledge questions
  3. 3Buys fractional shares or ETFs
  4. 4Sees portfolio and statements

How Treasury & Embedded Investing solves it

1

Customer onboarded with investment checks

Customer onboarded with investment checks

2

Appropriateness or suitability assessed

Appropriateness or suitability assessed

3

Orders placed

Orders placed

4

Execution by the partner

Execution by the partner

5

Assets held in custody

Assets held in custody

6

Statements and tax documents produced

Statements and tax documents produced

Want to have

  1. Instrument coverage
  2. Fractional trading if needed
  3. Appropriateness or suitability flows
  4. Custody
  5. Statements and tax documents
  6. APIs

Optional

  1. Savings plans
  2. Crypto on the same account
  3. Model portfolios

Design decisions

Service

Execution only
Advice or managed portfolios

regulation and cost.

What to put in your RFP

Instruments

  • Instruments

Permissions

  • Permissions

Journeys

  • Journeys

Custody

  • Custody

Reporting

  • Reporting

Commercials

  • Commercials
Add these to an RFP

How to evaluate providers for this use case

  1. 1Instrument coverage
  2. 2Permissions
  3. 3Journey support
  4. 4Reporting

Pitfalls

  • Offering complex products without suitable checks
  • Tax reporting gaps per market

What providers will ask you

  1. Markets
  2. Target customers
  3. Your permissions

Other Finlane categories that cover parts of this

This use case is solved mainly with Treasury & Embedded Investing. These categories cover specific parts of it and can be tendered alongside it.

KYC, KYB & Identity

Investor onboarding

Crypto & Stablecoin Infrastructure

Crypto assets alongside securities

Frequently asked questions

Other Treasury & Embedded Investing use cases

Offer yield on customer balances

Sweep idle client cash into money market funds, T-bills or high-yield savings with clear disclosures.

Automate corporate treasury

Move operating cash between accounts, MMFs and short-term instruments via API, with reporting for finance teams.

Run a savings or goal-based product

Let users create savings pots with interest, funded by a licensed partner bank or fund.

Scope embed retail brokerage with Treasury & Embedded Investing providers

Scope this use case