Get Fintech Data Insights for FI leaders
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Win Gen-Z/Millennials with $1 fractional investing + AI coach + rewards.
Stop deposit leakage to fintechs by meeting members where they bank
No new license, no new hires. Go live in 4–8 weeks.
10× weekly log-ins • 7% lift in deposits • 60% lower attrition
SSO/APIs connect to your digital banking stack — live in weeks, not months
Co-branded rollout in 4–8 weeks with brand-safe templates
Investing + financial coach + rewards → daily habits + higher balances
AI Guided & Self-directed investing starting with zero or $1
Members can diversify their Portfolio for long term growth
Members can mimic top Industry investors they can trust
Low-risk 4.07% - set and go
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engage with a conversational Financial Coach anytime
Schedule automatic savings to investing
members choose Themes (sports, Anime, etc) to learn finances
Guidance and tracking to reach their $100K graduation
Built-in 1% lifestyle Rewards for healthy financial habits
Drive members back with Fine dining, travel and more perks
Journey based on financial status and goals
TikTok and YouTube style community with peer investors
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Seat-based licensing • Volume discounts auto-apply • Launch in 4–8 weeks
Ideal for small–mid FI (≤25k active account holders or < $500M assets)
Ideal for mid/large FI (25k+ active account holders or $500M+ assets)
If you can’t find the answer you’re looking for, please don’t hesitate to...
No. AlgoPear operates as the technology layer, not a broker-dealer.
All investing and trade execution runs through our FINRA- and SIPC-registered partner brokerage (like Alpaca). Your institution stays fully compliant as the offering remains under an approved custodial and execution partner — no new license or securities registrations required.
Yes. AlgoPear integrates seamlessly with leading digital-banking platforms such as Q2, Alkami, Jack Henry, Backbase, and NCR, as well as core providers like Fiserv, Symitar, and FIS. Our plug-and-play APIs allow for single sign-on (SSO) and unified member data flow, so members never have to leave your app.
Absolutely. You can enable or disable crypto at the policy level. Many institutions start with traditional fractional stock and ETF investing, then add crypto once compliance and board approval are in place. We handle all custody and reporting via regulated partners — you decide what products are visible to members.
AlgoPear is built for regulated financial institutions.
- SOC 2 Type II certified infrastructure
- FINRA, SEC, and SIPC standards via partner brokerage
- Bank-grade encryption, audit logs, and SSO across all deployments
- No PII data stored without your control
We work directly with your compliance and cybersecurity teams during onboarding to meet your internal audit and vendor-management standards.
AlgoPear’s admin dashboard tracks key growth metrics automatically:\
- Deposit retention and inflow trends
- Active investor engagement rate (DAU/WAU)
- New account and card pull-through
- Loan-to-deposit ratio impact
You’ll receive quarterly performance reviews (QBRs) and real-time analytics to show how embedded investing drives deposits, engagement, and revenue lift.
You’ll have a dedicated Customer Success Manager and implementation engineer who handle updates, reporting, and member-education campaigns.
We also provide a full launch toolkit — marketing emails, in-app banners, and educational content to drive adoption.
AlgoPear is an AI-powered embedded investing platform that helps credit unions and banks grow deposits and member engagement through automated investing and financial wellness tools.
AlgoPear increases member retention, loan revenue and deposit growth by embedding wealth-building and investing tools directly inside existing digital banking apps—turning engagement into measurable deposits.
Credit unions, community banks, and financial institutions that want to attract younger members, modernize digital banking, and compete with fintechs like Robinhood, Coinbase and Chime.
