The middle- and back-office operating system for digital wealth management

Allows you to create and maintain investor reference data including relevant personal data and tax information. Depending on the jurisdiction, relevant regulatory frameworks and validations will be overlaid to ensure compliance.

Plays the role of what we traditionally view as a user's “account” within a product. WealthOS' pots structure lets you maintain multiple pots within a single tax wrapper. Each pot can have different investment strategies or portfolios and can be joined with those of other users (subject to tax wrapper rules).

Manages the orchestration, execution, and recording of all cash and security transactions executed by WealthOS. It also records external transactions ingested to WealthOS, such as share dividends recorded by an external custodian, which will be ingested in real-time or on a schedule.

Manages the movement of cash into and out of investor pots, whether one-time or recurring. It handles the workflow for transferring cash and assets between providers and integrates with external payment and transfer gateways to automate the process.

Manages the end-to-end trading lifecycle for securities orders by automatically creating and routing them to trading and fund management systems or custodians. An order can be executed in real-time or aggregated and scheduled for efficiency.

Maintains an up-to-date record of cash and securities holdings within investor pots. Based on transaction activities, the platform maintains the status of these holdings as well as book costs and cost of holding for each security.

Maintains all securities data for the assets within your proposition and automates the data refresh process by connecting to one or more data providers. You can also maintain the FX data required to support multi-currency capabilities.

Enables the administration of tax-efficient wrappers and financial products for wealth management in compliance with locally applicable regulations (e.g., ISAs and SIPPs in the UK and IRAs in the US).

Allows you to define, modify, and update portfolio templates across various themes. Attach portfolios to pots and monitor for deviations from the template to take timely action and rebalance pots in bulk, either as a one-off instruction or on a schedule, ensuring they remain on target.

Features scheduled and on-demand reporting capabilities on investors, holdings, transactions, operational procedures, compliance and more.

Offers all the features and integrations needed to perform regulatory custodial duties including stock and cash reconciliation, corporate actions processing, regulatory reporting, and more.

Computes and recovers all types of fees, supporting flat and tiered fees on assets, amount-based fees, percentage-based (ad valorem) fees, transaction fees, taxes, and levies as well as any ad-hoc and recurring fees.

Supports maintaining cash in multiple currencies within pots, manages conversions, and allows different base currencies for pots. It also settles trades in a security's native currency.

Handles all regulatory client communications for supported products and lets you create discretionary communications. It fully supports your branding and style choices, along with the electronic dissemination of all your communications.