Eko investments

Eko Investments Inc. operates as a B2B fintech company, providing an "Investments-as-a-Service" platform for financial institutions. Founded in 2020 by Mart Vos, who also serves as the CEO, the New York-based firm is registered with the SEC as an investment adviser. The company's core offering is a white-label, end-to-end digital investment solution that integrates directly into the existing mobile and desktop platforms of banks and credit unions. This enables these institutions to offer a comprehensive suite of investment products to their members without needing to build the infrastructure or hire specialized staff.

The business model is designed to help financial institutions attract younger clients, increase customer engagement, and generate non-interest income through a revenue-sharing model. Eko reports that financial institutions see increased digital banking logins and deposit growth from users of the platform. Revenue for Eko is based on the number of users, aligning the company's success with that of its client institutions. Key partners include CUNA Strategic Services, which selected Eko as its preferred digital investment solution for credit unions, and clients like Lake City Bank, Bank of New Hampshire, and Eagle Community Credit Union. Brokerage services for Eko's clients are provided by Alpaca Securities LLC, a FINRA-registered broker-dealer.

Eko's platform is comprehensive, allowing the end-users of its client institutions to start investing with as little as $10. It supports a variety of investment approaches to cater to different client needs. These include self-directed investing, where users can trade over 5,000 fractional stocks and ETFs commission-free; guided investing, which functions as a robo-advisor creating portfolios based on risk appetite; and a hybrid model that provides a pre-built portfolio which the user can then customize by adding or removing individual stocks. The platform also offers IRA and Roth IRA accounts. All investment proceeds are directed back into the user's account at the partner financial institution, a feature designed to increase deposits for the bank or credit union.

Keywords: Investments-as-a-Service, white-label investing, digital investment platform, fintech, B2B financial services, robo-advisor, credit union solutions, bank technology, embedded finance, self-directed investing, fractional shares, portfolio management, SEC registered investment adviser, financial institution tools, customer engagement, deposit growth, non-interest income, hybrid investing, IRA platform, Mart Vos