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ETFmatic and Aion Bank Offer Investment-as-a-Service To Companies Across Europe

ETFmatic, a whitelabel wealth management platform, and Aion Bank, a European digital bank and Banking-as-a-Service (BaaS) provider, are offering an end-to-end investment solution to companies across Europe. Aion Bank acquired ETFmatic in 2021 with the goal of growing the company’s partner solution business, and since then, ETFmatic has signed German fintech UnitPlus and other European financial institutions.

ETFmatic offers an API-based turnkey investment solution that can easily integrate into any bank or fintech’s existing ecosystem. ETF portfolios are tailored to client needs and include portfolios with exposure to global equities and local government bonds from well-known providers like BlackRock and Vanguard; thematic portfolios, focusing on ESG, energy, technology, or a blend; bespoke portfolios specifically created for individual clients; and a premium proposition consisting of adaptive portfolios that aims to minimise drawdowns while participating in upward equity trends.

ETFmatic’s solution includes a unique, fully digital investment questionnaire to determine an investor’s risk appetite. Portfolios are matched to the user’s risk profile, and automatically managed and rebalanced in order to stay aligned with the investor’s risk. This user-friendly, technology-enabled approach to portfolio management gives easy access for anyone to start investing.

Backed with Aion Bank’s banking licence with additional branch licences in Poland, Germany and Sweden; ETFmatic can provide its solution in 32 countries across Europe. The provisions of a fully regulated European bank allow for ETFmatic’s full end-to-end solution, including the ability to hold client money, safeguard and administer assets, execute regulated activities and deal with investments as an agent. The solution covers technical, security, legal and regulatory barriers to make wealth management available to a much wider range of companies.

Aion Bank also partners with Vodeno to offer the entire spectrum of banking products, underpinned by Vodeno’s API-based, cloud-native platform and backed by Aion’s banking licence. Aion/Vodeno’s range of products include:

  • Accounts: full account functionality accessible through both mobile and web channels, for retail and business.
  • Payments: end-to-end payment process platform that covers card payments, SEPA transfers and instant payments, in one fully compliant, comprehensive and customisable solution.
  • FX: in-house FX engine features best-in-class technology, interbank rates and direct access to liquidity and risk management.
  • Cards-as-a-service: white-labelled one-stop solution for card issuance and processing in partnership with Mastercard.
  • Investment-as-a-service (via ETFmatic): turn key, white-labelled ETF investment solution.
  • Lending-as-a-service: fully digital end-to-end lending process.

Karol Sadaj, Chief Commercial Officer, ETFmatic, said: “Banks and fintechs are looking for ‘sticky’ products that can drive adoption and engagement. Our experience is that embedded investments provide a more stable way to grow revenue, while also providing a compelling reason to communicate and engage with end users. It builds on top of the current relationship and extends it to also talk about what clients want to achieve in the future.”

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