Wealth management

Integrated embedded finance for wealth management

Empower your investment platform with high-performance embedded finance for wealth management. ConnectPay provides the secure infrastructure needed to streamline wealth management operations, allowing your firm to offer seamless accounts, payments, and global payouts under our EMI license.

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Why wealth management firms are shifting to embedded solutions

The global wealth management market is undergoing a structural change, driven by digital-only banking and the demand for more integrated user experiences. For modern wealth management firms, embedding financial services is no longer just about risk avoidance; it is a driver of measurable business value.

Increased customer lifetime value: Integrating financial services directly into your platform creates more touchpoints, resulting in higher brand stickiness and lower churn.

Operational efficiency: By using embedded finance solutions for wealth management, businesses can reduce infrastructure and compliance costs by 60–75%.

Faster innovation: Refocus your team on creating a great experience for your customers while we handle backend banking technology and transaction processing.

Competitive agility: Meet modern consumer preferences by transforming your investment app into a comprehensive financial hub.

Scalable embedded finance for wealth management

Our ecosystem operates through a modular technical stack connected by APIs, allowing you to choose the exact blocks your scaling business needs.

Multi-currency IBAN accounts and asset management

Provide your clients with LT-prefixed IBAN accounts that allow them to hold and exchange funds in 80+ currencies. This wealth management embedded finance solutions approach allows for real-time account monitoring and automated reconciliation within your native interface.

Seamless investment payouts and global transfers

Scale across the globe with lightning-fast SEPA Instant and SWIFT transfers. Our platform facilitates secure wealth management transactions across 180+ countries, ensuring capital reaches its destination without the delays of traditional systems.

Branded VISA debit cards for liquidity

Enhance your brand awareness by issuing branded virtual or physical VISA debit cards to your clients, providing them with instant access to their liquid funds.

Empower your business with multi-currency accounts

Access scalable and compliant accounts for your clients with ease – they’re designed to meet your specific needs and ensure efficient, secure financial management

Business and personal accounts

Open a LT IBAN account with multicurrency support

Send & receive cross-border payments in 80+ currencies: AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, and USD

Access your accounts in the way that suits you best – with our online banking platform or API

Segregated accounts

Hold your customers’ funds separately from your company funds

Open an international bank account number – IBAN

Enjoy simple payments

From investment payments to withdrawals and distributions – send the payments you need in multiple currencies across the globe

Instant Euro-zone transfers

Send & receive speedy payments in EUR with direct SEPA / SEPA Instant transfers.

Cross-border transfers

Send & receive funds all over the world with cross-border payments in multiple currencies: AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, and USD.

Built-in compliance

As a licensed financial institution, we take care of all our solutions related compliance matters. We’ll cover KYC procedures, AML/CTF monitoring, and reporting to authorities, meaning you don’t need to hire an AML compliance team of your own to embed our solutions.

More about Built-in Compliance

Equip your users with debit cards

From the usual business and personal cards to white-labeled ones with extra functionalities. Just tell us what kind of cards you need.

White-label card

Share the versatility of customizable VISA debit cards, with your own signature style and unique features.

Business card

Discover VISA debit card for business – the ideal choice for both you and your clients, delivering unmatched convenience and financial empowerment.

Personal card

Provide your clients with a personalized VISA debit card, a versatile payment solution designed to meet their unique needs, whatever they may be. Empower your clients to pay on their terms, anywhere they choose.

Pay in-store and online all over the world

Obtain cards for both yourself and your clients

Make seamless contactless payments

Withdraw your money from ATMs worldwide

Access, manage, or instantly freeze the card online using your Online Banking account

Get as many cards as your company needs – limitless number of cards for one IBAN account

Flexible APIs integration

Each use case is different, that’s why we have built our APIs in a way that can be tailored to your business model, no matter how complex it is. For all matters related to IBAN accounts and payments, we’ve got you covered.

More about APIs

Unlock the potential of invisible finance

Choose embedded finance with built-in compliance solution modules based on your business needs

Issue IBANs with LT prefix

Enable business, personal and segregated accounts for smooth transactions.

Execute payments

Initiate and complete financial transactions securely and efficiently.

Execute currency exchange

Perform foreign exchange transactions for 80+ currencies.

Issue and manage VISA cards

Business, personal, white-label and virtual VISA debit cards.

Handle inter-bank queries

Manage and resolve inquiries between different banks or financial institutions.

Top-up accounts

Conveniently add funds to user accounts for seamless transactions.

Fees collection

Collect and process various fees associated with transactions or services.

Refund end-users

Process and issue refunds to individual users or customers.

Inter-ledger transfers

Facilitate transfers between different ledgers or your own ecosystem.

KYC / Onboarding

Conducting KYC checks and streamlining customer onboarding processes.

AML / CTF monitoring

Monitoring and detecting AML and CTF activities.

Reporting to authorities

Submitting regulatory reports and compliance data to relevant authorities.

7.5B €

Yearly Payment Turnover

1.8M

Processed transactions in 2024

92M €

Client funds held by ConnectPay

Embedded finance for wealth management FAQs

What is embedded finance for wealth management?

It is the integration of banking and payment services—like IBANs, currency exchange, and card issuance—directly into an investment or wealth management platform through APIs, rather than using external, disconnected banking tools.

How do embedded finance solutions for wealth management improve user experience?

They turn investment apps into financial hubs. Clients can fund their accounts, manage their portfolios, and spend their returns using a branded debit card, all within a single, trusted product experience.

Can wealth management firms operate without their own banking license?

Yes. By partnering with a licensed embedded finance provider for wealth management, firms can “rent” the banking infrastructure and license of an established EMI like ConnectPay to offer regulated services.

How does the platform handle evolving global regulations?

Our platform establishment includes a central rules engine that is continuously updated to reflect federal, state, and local regulatory changes. This allows wealth management firms to adapt quickly to outside forces.

Does embedding finance help in winning enterprise-level deals?

Absolutely. Organizations that build embedded compliance and finance into their product architecture demonstrate superior risk management, which is essential for serving sophisticated enterprise-level customers.