Robo-Advisory Platform

AI-Powered Investment Management for the Digital Age

Launch your own robo-advisory service in weeks. White-label platform for asset managers, banks, and financial advisors. Institutional-grade algorithms, retail-friendly UX.

Request Demo
0.5%
Management Fee
24/7
Rebalancing
7
Risk Profiles
8-Week
Launch

The Wealth Management Challenge

Pain Points

High Costs Limit Access

Traditional advisory (1-2% fees) excludes mass affluent clients with <€100k portfolios.

Manual Rebalancing

Portfolio drift monitoring and rebalancing is time-consuming and error-prone at scale.

Regulatory Complexity

MiFID II suitability requirements demand detailed documentation and compliance trails.

Tech Debt

Legacy systems can't deliver the digital experience millennials and Gen Z expect.

Market Opportunity

€5.5 Trillion

European robo-advisory AUM by 2027 (est.)

47%

Investors willing to use robo-advisors (2024)

2-5x

More clients you can serve with same team

60%

Cost reduction vs traditional advisory

Full-Stack Robo-Advisory Platform

Risk Profiling Engine

AI-driven questionnaire assesses client risk tolerance, time horizon, and goals. Compliant with MiFID II suitability. 7 risk profiles from Conservative to Aggressive.

Portfolio Construction

Modern Portfolio Theory (MPT) + Black-Litterman models. Optimizes for risk-adjusted returns using ETFs, mutual funds, or custom asset classes.

Automated Rebalancing

Continuous monitoring of portfolio drift. Auto-rebalances when allocations exceed thresholds (e.g., ±5%). Tax-loss harvesting included.

Client Experience

White-label web + mobile app. Real-time performance tracking, goal progress, document vault, messaging with advisors.

Platform Features

Investment Engine

  • Multi-asset allocation (equities, bonds, commodities, alternatives)
  • ESG/SRI portfolio options
  • Dynamic rebalancing algorithms
  • Tax-loss harvesting (Italy & EU)
  • Fractional shares support
  • Dividend reinvestment (DRIP)

Compliance & Reporting

  • MiFID II suitability assessments
  • ESMA guidelines compliance
  • Automatic KID/KIID generation
  • Transaction cost analysis (TCA)
  • Annual performance reports
  • Audit trail for all decisions

Client Management

  • Onboarding workflow (KYC/AML)
  • Goal-based planning tools
  • Real-time portfolio dashboard
  • Push notifications (alerts, news)
  • Document e-signing
  • Multi-language support (IT, EN, DE, FR)

API-First Architecture

Integrate with your existing: custody platform, CRM, trading system, payment gateway. RESTful APIs with comprehensive documentation.

Who Benefits from Robo-Advisory

Asset Managers (SGR)

Launch digital wealth management for retail clients. Compete with neobanks while maintaining brand control.

Use case: €50k-€500k portfolios, 0.5-1% fee model

Private Banks

Serve mass affluent segment profitably. Hybrid model: robo + human advisor for high-touch.

Use case: €100k-€1M portfolios, premium service tier

Independent Financial Advisors

Scale your practice without hiring more staff. White-label as your own technology.

Use case: €25k-€250k portfolios, subscription + AUM fee

Neobanks / Fintechs

Add investment products to your offering. Monetize deposits with wealth management.

Use case: €5k-€100k portfolios, low-fee democratization

Institutional-Grade Technology

AI/ML Algorithms

  • Mean-Variance Optimization (Markowitz)
  • Black-Litterman for market views
  • Monte Carlo simulations for risk scenarios

Data & Analytics

  • Real-time market data (Bloomberg, Refinitiv)
  • Historical backtesting (20+ years)
  • Performance attribution analytics

Security & Compliance

  • ISO 27001 certified infrastructure
  • GDPR-compliant data processing
  • 2FA, biometric auth, encryption at rest/transit

Cloud Infrastructure

  • AWS/Azure multi-region deployment
  • 99.9% uptime SLA
  • Auto-scaling for peak loads

Mobile-First UX

  • Native iOS & Android apps
  • Responsive web dashboard
  • Accessibility (WCAG AA)

Integration Layer

  • RESTful APIs + webhooks
  • Pre-built connectors (Finecobank, Allfunds, etc.)
  • Custom integrations on request

Transparent Platform Pricing

White-Label SaaS
€5,000/month
base + 0.10% AUM
  • Unlimited end-clients
  • 7 risk profiles + ESG options
  • Mobile apps (iOS + Android)
  • Standard integrations included
  • Email support (24h SLA)

Best for: Independent advisors, small SGRs

Enterprise Custom
Custom quote
Tailored to your needs
  • Full platform customization
  • Dedicated infrastructure
  • Advanced features (tax optimization, alternatives)
  • Custom integrations + APIs
  • Dedicated account manager + phone support

Best for: Banks, large asset managers

Revenue Share Model - Alternative

No upfront cost, 50% revenue share on management fees.

Example: Client pays 1% fee → Platform takes 0.5%, you keep 0.5%

Best for: Startups validating market fit

Add-Ons

Onboarding automation

€2,000

one-time

Tax-loss harvesting module

€1,000/mo

ESG/SRI screening

€500/mo

Advisor co-pilot (AI chat)

€1,500/mo
Request Custom Quote

Live in 8 Weeks or Less

1

Setup & Configuration

Week 1-2
  • White-label branding (logo, colors, domain)
  • Risk profile calibration
  • Asset universe selection (ETFs, funds)
  • Custody/broker integration
2

Testing & Compliance

Week 3-4
  • UAT with sample portfolios
  • Compliance documentation review
  • Regulator submission (if needed)
  • Staff training sessions
3

Soft Launch

Week 5-6
  • Beta with 10-50 pilot clients
  • Feedback collection + optimizations
  • Marketing material preparation
4

Full Launch

Week 7-8
  • Public launch
  • Client migration (if transitioning from legacy)
  • Monitoring + support activation
⚡

Fast-Track Option

Already have custody/CRM integrations? Go live in 4 weeks with our accelerated program.

Success Story: European Wealth Manager

Client

Mid-size wealth management firm (Italy)

Challenge

Serve €50k-€250k clients profitably

Solution

Ematrend Robo-Advisory white-label platform

Results (12 months):

800 new clients onboarded
€120M AUM under robo-management
0.7% average fee (vs 1.5% traditional)
3 advisors manage entire robo book (vs 15 needed before)
85% client satisfaction (NPS: +72)
Break-even in month 8

"We can now serve the mass affluent segment we previously couldn't touch. The platform pays for itself and our clients love the 24/7 transparency."

— Head of Digital Wealth

Frequently Asked Questions

Launch Your Robo-Advisory in 8 Weeks

Join forward-thinking financial institutions democratizing wealth management.

Platform Demo

Watch 15-min walkthrough: client onboarding, portfolio construction, rebalancing in action

ROI Calculator

Estimate revenue potential and break-even timeline for your robo-advisory launch

Consultation

Speak with our fintech specialists about your specific requirements and integration needs

Book Call

Questions? Email: robo@ematrend.com

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