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In today's fast-paced and ever-changing business landscape, financial and investment companies are constantly seeking innovative solutions to stay ahead of the competition and attract new customers.��

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Here at ����ý, we recognise that different companies have distinct goals, structures, and workflows. We know all too well that no two businesses are the same and a one-size-fits-all approach simply does not work. Therefore, we have developed a range of operating models that can be tailored to fit the unique requirements of every organisation, be it a global neobank like Revolut, an investment app like Shares, or Germany’s #1 robo advisor Ginmon.��

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So, let’s dive straight into ����ý’s different offerings and find the model that fits your organisation’s unique needs best!

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Three different ways to get started…

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Based on your company’s business model and existing functionalities, ����ý offers three distinct use cases: Take our licence Single Accounts, Bring your own licence Single Accounts, and Bring your own licence Omnibus.��

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Together, we will assess your requirements and preferences to identify the ideal legal, regulatory and functional framework that ensures a seamless and expedited integration of ����ý's investment API. Whether you choose to take advantage of our licences or make use of your own, ����ý provides a solid framework to get you started quickly. Additionally, you have the flexibility to decide the level of end-user functionality that aligns best with your goals and resources.

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In order to decide which model is the right one for your business, you need to first answer two simple questions…

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Bring your own licence or take ����ý’s?

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At ����ý, we provide legal coverage with all needed securities investment licences to enable our clients to offer investments (including fractional trading) to their end users. This includes anything from brokerage licences (execution of orders) to a securities custody licence and even a crypto custody licence.

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Own the end-user functionality or leverage ����ý?

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����ý’s functional setup enables you to take as much ownership of the end-user functionality as you wish.��To make things simple, we differentiate between Single Accounts, where ����ý takes care of the end-user functionality, and Omnibus, where our clients only have one account with ����ý and they take care of the end-user functionality and account management.

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Based on how you answered the two questions above, we offer three possible options for you:

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• Take our licence Single Accounts
• Bring your own licence Single Accounts
• Bring your own licence Omnibus

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Fast go-to-market with Take our licence Single Accounts

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Take our licence Single Accounts is the perfect option if you need an out-of-the-box investment infrastructure solution to offer ETFs, stocks, or crypto. Benefit from ����ý’s end-user functionality offering and a fast go-to-market, while we take care of the regulatory and technical end-user functionality, so that you can focus on what matters most - the end-user experience.

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When you have TOL Single Accounts, you can benefit from:

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• Fast go-to-market: full end-user functionality across brokerage, settlement, and custody out-of-the-box.
• Easy licence coverage: we offer all required licences to let you operate across Europe - just bring your investment brokerage licence or portfolio management licence, and you are ready to go!
• Less resources needed: say goodbye to resource-intensive processes - ����ý will handle all relevant back- and middle-office operations for you end-to-end.
• MiFID-compliant scalability and internationalisation: ����ý’s investment API and licences serve as a regulated custodian and broker vis-a-vis the end user.

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For example, our client Ginmon - one of Germany’s leading digital wealth managers, decided on this model and is now able to offer simple investments into a portfolio of ETFs with just a few clicks. Ginmon’s end users can build their own portfolios using ����ý’s infrastructure.

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Lars Reiner, CEO Ginmon, shares: “We are delighted to partner up with ����ý. Today’s legacy brokerage and custody infrastructure became a limiting factor for our company’s growth. ����ý's solution offers us a scalable and borderless option to further expand our business."

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Unlock new opportunities with Bring your own licence Single Accounts

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Bring your own licence Single Accounts is the ultimate solution for any licenced company which already offers investment solutions to their end users but wants to upgrade their financial infrastructure. Benefit from ����ý’s end-user functionality at scale with seamless operations out-of-the-box, while being the single user-facing entity.

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With a BYOL Single Accounts setup, you can benefit from:

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• Scalable end-user functionality across brokerage, settlement, and custody, as well as back- and middle-office operations.
• Functional support on handling MiFID II obligations through ����ý’s investment API (for example, preparation of MiFIR Art. 26 reporting).
• Ownership of the contractual end-user relationship by acting as a broker to end users.
• Leverage your licences without employing an oversized back-office - ����ý provides and supports the technical and regulatory services which are required from you in order to provide investment services to your end users.��

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����ý clients using this model particularly highlight its scalability and modularity as a way to accelerate growth.

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Bring your own licence Omnibus Accounts: Standardised setup for your global operations

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Many of our clients are looking for an all-in-one solution to standardise their operations on a global scale. If you already have in-house securities trading capabilities, but want to upgrade or expand your product offering, Bring your own licence Omnibus Account is for you.��

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With this setup, you can unlock a host of benefits - from scalable international expansion of your investment offering to a fast go-live in new markets, and so much more! Benefit from ����ý’s end-user functionality at scale with seamless operations out-of-the-box, while being the single user-facing entity.

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With BYOL Omnibus Accounts, you can benefit from:

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• Scalable international expansion of investment offering through fractional trading of European financial instruments at scale during European trading hours.
• Ownership of the contractual end-user relationship by acting as a broker to end users.
• Fast go-live in every region you are licenced in thanks to a simple setup and the ability to use your existing end-user functionality (e.g. account, payment and trading logic).

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When Revolut chose to partner up with ����ý, they were looking for a modular, accessible, and fully compliant investment infrastructure provider that enables them to offer its users access to a broad range of ETFs and European stocks. The BYOL Omnibus setup allowed them to make use of their own investment firm licences, while relying on ����ý’s brokerage, settlement and custody functionality.

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Rolandas Juteika, Head of Wealth & Trading (EEA) at Revolut, says: “When looking at possible partners to offer access to ETFs and stocks listed in EEA markets to our European customers, ����ý was our preferred selected choice. They offered the infrastructure that enabled us to offer ETFs to our customers in a short time, just after our EEA trading entity operationalisation was completed.” 

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Modern problems require modern solutions

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Accelerated go-to-market, scalability, and reduced complexity are only a few of the benefits our clients mention as the biggest advantages of partnering up with ����ý. Success stories with Revolut, Shares, and Ginmon showcase first-hand the impact of using ����ý’s investment API to reach new markets and exponentially expand one’s user base.

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With our comprehensive operating models, we strive to offer our clients the best solution so that they can delight their end users with a range of top-notch offerings. Regardless of which model you opt for, ����ý provides you with the necessary tools to gain a competitive advantage in a crowded market. With our cutting-edge technology, regulatory expertise, and commitment to excellence, ����ý is your trusted partner on the path to achieving your business goals.

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Still not 100% sure which option is the best one for you?

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We got you covered! Reach out to one of our experts to learn more about our investment API and find out which option is the right one for you.

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