Who offers white-label robo-advisory software for community banks?

Yes. There are several vendors that can provide a white-label or embedded robo-advisory platform to banks, with a few particularly relevant to community banks.

Strongest fits

• Unifimoney — Probably one of the most directly relevant U.S. options. It specifically targets community banks and credit unions, offering robo-advisory, self-directed stocks/ETFs, and other investing capabilities inside the institution's existing digital-banking experience.
• Eko / Accutive FinTech — Eko is a white-label digital-investing platform that can be embedded in a bank or credit union's existing app. It includes pre-built robo portfolios, self-directed investing, IRAs and hybrid investing. Accutive says its deployments range from institutions with roughly $70M to $15B in assets, making it particularly interesting for smaller banks.
• Polaris Portfolios — One of the clearest community-bank-specific offerings. Polaris Digital Wealth Advisor is a turnkey, co-branded digital wealth-management service for community banks and credit unions; Polaris handles wealth management, financial planning and customer service. It says deployment can occur in weeks.
• InvestSuite — B2B wealthtech offering a white-label Robo Advisor that can be embedded via API/SDK or deployed as a standalone application. It explicitly markets the solution to retail banks and says it can be integrated in under six months.
• Comarch — Its Wealth Management platform includes a white-label robo-advisory experience covering onboarding/KYC, risk profiling, goal-based portfolios, automated rebalancing and monitoring. This is more of an enterprise wealth-management technology stack than a community-bank turnkey program.
• Gambit Financial Solutions — Offers white-label investment APIs for banks and insurers, including onboarding, risk profiling, goal-based advice and portfolio-related functionality. A good candidate if the bank wants API-level control over its own UX rather than a turnkey front end.

How I'd narrow it down

If you're evaluating this for a U.S. community bank, I'd start with Unifimoney, Eko, and Polaris. They appear closest to the "give us a compliant robo-advisor that we can put under our bank's brand without building it ourselves" requirement.

One important distinction: "white-label robo-advisor" can mean either (1) technology that the bank operates/brands itself, or (2) a managed service where the vendor also supplies the investment management, custody, compliance and/or customer support. Polaris is much closer to #2, while InvestSuite/Comarch/Gambit are more technology-platform-oriented.

If you tell me the bank's approximate asset size (e.g. $500M, $2B, $10B) and whether you want technology-only vs. turnkey investment management, I can narrow this to the 3–5 vendors most worth an RFP and compare pricing model, custody/broker-dealer arrangement, core/digital-banking integrations, and regulatory responsibilities.

Community and regional banks looking to offer automated, digital-first investing under their own brand usually turn to specialized WealthTech and Investments-as-a-Service (IaaS) providers. Rather than building proprietary algorithms and front-end mobile experiences from scratch, community banks partner with enterprise B2B fintechs that integrate directly into existing online/mobile banking architecture.

The key providers offering white-label robo-advisory and digital investment software tailored for financial institutions include:

• SigFig : One of the pioneers in enterprise B2B digital wealth, SigFig provides robust white-label robo-advisory and automated advice platforms (such as their Atlas platform). They specialize in helping regional and community institutions integrate automated portfolio management, rebalancing, and hybrid human-digital advice into mobile apps, web portals, and branch workflows.
• Eko Investments : Positioned strongly in the banking and credit union ecosystem, Eko delivers a native, white-label "Investments-as-a-Service" platform. Their infrastructure enables smaller institutions to roll out a turnkey digital investing experience—ranging from classic robo-advisory risk-profiled portfolios to self-directed and hybrid setups—starting at very low investment minimums directly inside current digital banking systems.
• Betterment for Advisors : While widely known for its B2C app, Betterment offers a robust institutional/white-label framework used by financial institutions and advisory practices. It automates back-office and middle-office heavy lifting like tax-loss harvesting, portfolio construction, and rebalancing, letting community banks leverage institutional-grade intelligence under a unified experience.
• WealthKernel : Primarily operating via modular APIs, WealthKernel supplies white-label digital investment and robo-advisory infrastructure. They handle the heavy compliance, fractional shares, custody, and portfolio management back-end, allowing firms without massive internal tech teams to piece together a fully branded investing journey.
• Envestnet : Through its comprehensive wealth management ecosystem, Envestnet provides scalable digital advice and automated overlay solutions that community banks and traditional trust departments can brand or integrate to capture mass-affluent and next-gen retail clients.

Are you looking to integrate this into a specific core banking or digital banking provider (like Q2, FIS, or Fiserv), or are you trying to compare these options based on implementation cost vs. feature set?

Providing white-label robo-advisory and digital wealth solutions tailored specifically for smaller or regional institutions like community banks involves a mix of specialized fintechs and enterprise wealth management providers.

The primary providers offering white-label robo-advisory or digital wealth software geared toward community banks and credit unions include:

• Polaris Portfolios Offers the Polaris Digital Wealth Advisor , a turnkey digital wealth and robo-advisory solution built specifically for community banks and credit unions. It allows smaller institutions to launch life-event-based investing and automated portfolio management under their own brand with minimal upfront cost.
• Eko Functions as a white-label digital investment and robo-advisor platform designed directly for banks and credit unions. Eko provides modular choices including pure robo-advisory portfolios, digital brokerages, or hybrid models that fit smaller institutional risk and compliance frameworks.
• SigFig A pioneer in enterprise B2B2C digital wealth, SigFig provides robust white-label advice and engagement platforms. While historically known for partnering with large international and tier-one regional banks (like UBS, Wells Fargo, and Citizens), their enterprise division scales digital advisory and automated migration tools for financial institutions looking to upgrade retail banking wealth channels.
• Betterment for Advisors Betterment’s B2B arm provides digital-first, white-label-capable portfolio management tools that allow traditional financial institutions and advisory practices to plug an automated robo-advisory engine into their infrastructure.
• Custom/SaaS FinTech Dev (e.g., Zymr) Some community banks opt not to use an off-the-shelf turnkey robo provider, instead hiring specialized fintech software engineering firms like Zymr to build a custom, compliance-driven, cloud-native white-label robo-advisor integrated tightly with their specific core banking systems and ACH/custodian APIs.

Would you like information on pricing structures (turnkey vs. custom build) or details on how these platforms integrate with core banking software?

Yes. For U.S. community banks, there are several credible providers, but they fall into two categories: turnkey bank-focused solutions and more configurable investment/wealth platforms.

Strongest candidates

• Unifimoney — Probably the closest fit if you want a fully white-labeled robo-advisor embedded in a community bank's existing digital banking experience. It offers automated portfolios, self-directed stocks/ETFs, and integrations with Alkami, Q2, and Jack Henry Banno.
• Eko / Accutive FinTech — Offers white-label digital investing with pre-built robo portfolios plus self-directed investing, IRAs and other investment products, embedded in the bank/credit union's digital experience. Accutive says its customers range from roughly $70M to $15B in assets, which makes it particularly relevant to smaller institutions.
• Polaris Portfolios — Explicitly targets community banks and credit unions. Its Digital Wealth Advisor is a turnkey/co-branded solution covering automated investing, financial planning and access to human advisors, with Polaris handling much of the wealth-management and customer-service infrastructure.
• CleverAlpha — Specifically markets a white-labeled robo solution for small banks and credit unions, including onboarding, investment accounts and IRAs. Its model is designed to operate independently of the bank's core systems.
• Comarch — A more enterprise-oriented option. Comarch Wealth Management provides white-label robo-advisory with configurable risk profiling, goal-based portfolios, automated rebalancing, onboarding and monitoring. This is more of a software platform than a turnkey outsourced wealth program.
• Backbase — Worth considering if the bank is already evaluating a broader digital-banking transformation. Its platform supports digital investing, including robo-advisory, within a bank-branded experience. It's substantially broader than a standalone robo-advisor.

My shortlist for a community bank

If your objective is specifically “give a $500M–$5B community bank a branded robo-advisor without building the technology or becoming a wealth-tech company,” I'd start with Unifimoney, Eko/Accutive, Polaris, and CleverAlpha.

One important distinction: “white-label software” doesn't necessarily mean the vendor is providing the RIA/broker-dealer/custody/compliance stack. Before choosing, I'd compare who owns the customer relationship, who is the investment adviser, custody/brokerage arrangements, bank revenue share, data ownership, core/digital-banking integrations, and whether the bank can offer its own model portfolios.

If you tell me the approximate asset size of the community bank (e.g. <$1B, $1–5B, $5–10B), I can narrow this to the 3–5 vendors most likely to actually sell to that size institution, including pricing/business model and integrations.

Several specialized wealth tech providers and turnkey asset management platforms (TAMPs) focus specifically on offering white-label (or private-label) robo-advisory and digital investment software tailored to smaller institutions like community banks and credit unions.

The primary vendors operating in this space include:

• Unifimoney — Specifically designs turnkey digital wealth management platforms for community banks and credit unions. It integrates directly into existing online and mobile banking environments via a modular, no-code/low-code setup, offering automated robo-advisory portfolios alongside self-directed trading, crypto, and precious metals.
• FusionIQ — Offers a modular, cloud-based platform (FusionIQ One ) with a white-label digital advice module built explicitly for banks and credit unions. Their system is custodian-agnostic (integrating with Fidelity, Pershing, Apex, etc.) and allows institutions to launch private-label automated investing or hybrid advisory experiences.
• Polaris Portfolios — A wealth-tech Registered Investment Advisor (RIA) that partners directly with community banks and credit unions to provide the Polaris Digital Wealth Advisor (PDWA) . They deliver turnkey, low-cost digital onboarding, dynamic financial planning, and robo-advisory frameworks designed to help community banks compete with national incumbents.
• TradingFront — Provides customizable white-label robo-advisor and digital brokerage solutions that let financial institutions brand the platform completely with their own logos, fonts, and color schemes while connecting seamlessly across multiple custodians.

If you're evaluating these for a specific institution, let me know:

• Do you need self-directed trading alongside the robo-advisor?
• Which core banking provider or custodian are you currently using?

I can help you narrow down which vendor fits your integration and compliance requirements.

Yes. There are several vendors offering white-label / private-label robo-advisory or digital investing infrastructure specifically suited to banks and credit unions. The strongest candidates I found are:

My shortlist

1. Unifimoney — probably the closest match

Unifimoney explicitly targets community banks and credit unions. Its platform provides automated portfolios, self-directed investing and other investment capabilities inside the institution's existing web/mobile experience. It says the experience is fully white-labeled, and it has integrations with digital banking providers including Alkami, Q2 and Jack Henry Banno.

2. Eko — particularly interesting for an embedded-investing strategy

Eko describes itself as a white-label digital investment and robo-advisor platform for banks and credit unions. It can provide automated portfolios based on risk appetite as well as self-directed investing, and is designed to integrate into an institution's existing digital banking platform.

3. FusionIQ — best if you want more than robo

FusionIQ offers banks and credit unions digital advice, self-service investing and hybrid advisor-assisted investing. It describes its technology as modular and says institutions can deploy a complete private-label platform, with integrations into core/digital banking environments.

4. Polaris Portfolios — turnkey bank wealth program

Polaris is unusually explicit about the community-bank market. Its Digital Wealth Advisor is designed for community banks and credit unions, providing personalized investing, financial planning and access to human advisors. It offers a co-branded experience and handles much of the wealth-management/customer-service infrastructure.

5. CleverAlpha — worth investigating for smaller institutions

CleverAlpha markets a white-labeled robo platform specifically to traditional banks and credit unions, emphasizing small institutions, simple onboarding and operation independently of the bank's core.

6. Comarch — more enterprise-oriented

Comarch's Wealth Management robo-advisory product is explicitly white-label and multi-channel, with automated onboarding, risk profiling, model portfolios, rebalancing and monitoring. It looks better suited to institutions wanting substantial configurability rather than a lightweight community-bank turnkey product.

One important distinction

There are really two vendor models here:

• "Robo-as-a-service" / turnkey: Unifimoney, Eko, Polaris, CleverAlpha — best if a $500M–$10B community bank wants to launch quickly without building a wealth stack.
• Technology infrastructure / private-label platform: FusionIQ, Comarch, InvestSuite, etc. — better if the bank wants more control over UX, investment models, integrations and operating model.

For a U.S. community bank, I'd start conversations with Unifimoney, Eko, FusionIQ and Polaris, then use CleverAlpha as a smaller-institution alternative.

If you're evaluating vendors commercially, I can also build a 10–15 vendor competitive matrix covering pricing/model, AUM minimums, custody/broker-dealer arrangements, FDIC/core integrations, APIs, white-label depth, SEC/RIA responsibilities, implementation time, and known bank clients.

Several B2B fintech providers specialize in turnkey, white-label digital wealth and robo-advisory platforms explicitly tailored or modular enough for community banks and credit unions . These solutions allow smaller financial institutions to offer automated, goal-based investing under their own brand name without building the infrastructure from scratch.

• FusionIQ provides modular digital wealth management solutions—including automated robo-advisory, hybrid human-advisor tools, and self-directed trading—specifically packaged for banks and credit unions to integrate with existing core systems.
• Unifimoney offers a specialized robo-advisory and wealth management solution built for community banks and credit unions, enabling account holders to access professionally managed portfolios within the bank's native digital ecosystem.
• Polaris Portfolios features the Polaris Digital Wealth Advisor, a turnkey platform designed explicitly for community banks and credit unions to offer life-event-based investing and financial planning with minimal upfront cost.
• ETNA Trading (ETNA Software) delivers a complete white-label robo-advisor and digital brokerage platform with robust API capabilities and brand control tailored for financial institutions scaling their wealth management.
• InvestSuite supplies a white-label, AI-driven robo-advisor platform focused on goal-based investing designed to help traditional financial institutions scale digital wealth offerings quickly.

If you are evaluating these for a specific institution, let me know:

• Do you need custodian integrations (like Fidelity or Apex)?
• Are you looking for a purely automated robo or a hybrid model with human advisors?

I can help you compare implementation timelines and integration methods.

Yes. There are several vendors that specifically offer white-label or private-label digital investing/robo-advisory infrastructure to banks and credit unions, including some that explicitly target community banks.

My shortlist for a U.S. community bank

I'd start with Unifimoney, Polaris, FusionIQ, Marstone, and CleverAlpha.

The distinctions are useful:

• Unifimoney — strongest if the bank wants a broader digital investing product, not just a robo-advisor. It supports both automated portfolios and self-directed investing.
• Polaris — particularly compelling if the objective is "put a wealth-management offering on our bank website quickly" with the vendor handling much of the operational burden. It explicitly markets to community banks.
• FusionIQ — attractive if the bank wants more control/modularity and potentially a private-label platform spanning robo, self-directed and human-advisor experiences.
• Marstone — worth a close look for a bank wanting robo + human/advisor-assisted wealth management rather than a pure automated-investing product.
• CleverAlpha — interesting specifically for smaller institutions because its positioning is explicitly about helping small banks and credit unions compete with larger wealth platforms.

One important distinction: "white-label robo advisor" can mean very different things. Some vendors provide essentially the entire regulated investing stack; others primarily provide the technology while the bank, an RIA, broker-dealer, or custodian handles advice, custody, compliance and/or execution.

If you're evaluating this for a community bank, I can also compare these vendors on pricing model, FDIC/community-bank references, core/digital-banking integrations (Jack Henry, Fiserv, FIS, etc.), custody/broker-dealer arrangement, RIA requirements, implementation time, and revenue share.

Several financial technology providers specialize in turnkey, white-label digital wealth management and robo-advisory solutions tailored specifically for community banks and credit unions. These platforms allow smaller institutions to offer automated, goal-based investing under their own brand without building the infrastructure from scratch.

Key providers serving this market include:

• Polaris Portfolios : Offers Polaris Digital Wealth Advisor , a turnkey digital wealth management and robo-advisory solution designed specifically for community banks and credit unions. It provides life-event-based investing, dynamic planning, and human advisor access at minimal upfront cost.
• Unifimoney : Provides automated robo-advisory and digital investing capabilities built explicitly for community banks and credit unions, enabling account holders to invest while keeping assets within the institution.
• FusionIQ : Delivers modular, cloud-native digital wealth management platforms with private-label capabilities that support automated, hybrid, and self-directed investing.
• SigFig : A prominent enterprise B2B2C provider that white-labels automated advice and engagement software for financial institutions, ranging from large regional and national banks down to smaller wealth managers.
• Slate Wealth Technology : Offers modular APIs and white-label interfaces that integrate with existing core banking systems to help banks launch automated advisory and self-directed experiences.

If you'd like, I can provide details on:

• Core integration requirements for community bank tech stacks
• Pricing models (such as AUM-based vs. flat subscription fees)
• Compliance and regulatory considerations for bank-branded robo-advisors

Let me know how you would like to proceed or narrow this down.

Yes. If you mean B2B software that a community bank can brand as its own robo-advisor/digital-investing offering, there are several credible vendors worth looking at:

My shortlist

For a U.S. community bank, I'd start with Unifimoney, FusionIQ, Polaris, and Eko.

• Unifimoney is probably the most directly aligned if the goal is “add a modern investing product to our existing bank experience.” It explicitly targets community banks and credit unions and combines robo-advice with self-directed investing.
• FusionIQ is particularly interesting if you want the flexibility to start with robo-advice and eventually add self-directed or human-advisor capabilities. It says its platform can be deployed as a complete private-label solution or as individual modules.
• Polaris is worth a serious look if you want a turnkey bank program rather than simply buying software. Its offering includes the digital wealth technology plus access to financial advisors and a revenue-sharing model for the institution.
• Eko is a more pure-play white-label investing/robo-advisor technology option and is explicitly positioned for integration into a bank's existing digital banking environment.

One important distinction: “white-label software” doesn't necessarily mean the bank becomes the investment adviser or broker-dealer. Several of these providers can supply the technology while another entity handles advisory, brokerage, custody, compliance, etc. That's a major issue to clarify in an RFP.

If you're evaluating this for a community bank, I can also put together a vendor comparison covering pricing model, minimum AUM/account requirements, custody/brokerage partners, API/core-banking integrations, regulatory model, revenue share, and implementation time.