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

Data as of Oct 5, 2026Based on 297 AI responses from ChatGPT Search and Google AI ModeReviewed by Dimitry Apollonsky · Oct 5, 2026

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Top pick: Comarch for banks that need a highly configurable, end-to-end white-label robo-advisor with automated KYC/onboarding and goal-based portfolios. Polaris is best if you need a turnkey, low-upfront-cost, fast deployment. Unifimoney fits banks focused on ETF-based model portfolios to keep assets in-house. Eko is the practical choice when deep integration with an existing digital banking platform is required. ETNA Trading suits teams needing heavy API customization and custodian integration.

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1InvestSuiteInvestSuite is a practical choice for banks seeking fast-to-market, branded execution-only and goal-based investing that integrates with banking apps; may prioritize execution and speed over full advisory customization.

Who offers white-label robo-advisory software for…

Several vendors offer white-label or private-label robo-advisory / digital wealth platforms that can be used by community banks (often also credit unions and regional banks). The best fit depends on whether the bank wants a full managed wealth offering, self-directed investing, advisor-assisted investing, or embedded financial guidance.

Provider	Fit for community banks	Key capabilities
Polaris Portfolios	Specifically markets to community banks and credit unions	Turnkey/co-branded digital wealth management, financial planning, life-event investing, advisor access, and bank revenue-sharing model.
FusionIQ	Banks, credit unions, RIAs, and other institutions	Private-label digital advice, self-directed investing, advisor-assisted investing, portfolio management tools, and integrations with custodians.
Marstone	Financial institutions including banks and credit unions	White-labeled digital investing, advisor-assisted and self-directed experiences.
InvestSuite	Banks and wealth providers needing modular components	White-label investing solutions including automated investing/robo-advisor capabilities, portfolio construction, and reporting.
Comarch	Larger financial institutions needing configurable platforms	White-label robo-advisory software with onboarding, risk profiling, goal-based portfolios, rebalancing, and monitoring.
Singular Soft	Banks and wealth managers seeking branded digital wealth	Institution-branded wealth management platform with onboarding, portfolio tools, and rebalancing workflows.
WealthKernel	Banks/fintechs building or embedding investing products	White-label robo-advisor infrastructure through APIs, including brokerage, portfolio management, and custody integrations.
Quinn	Banks wanting advice/guidance inside their existing app	White-label financial guidance layer designed to integrate into banking experiences rather than operate as a standalone robo platform.
WealthDirector	Community and regional institutions	Institution-branded wealth platform with advisor-mediated recommendations, audit trails, and bank/CRM integrations.

Common selection criteria for a community bank

When evaluating vendors, banks typically compare:

Branding model: true white-label vs. co-branded experience
Regulatory model: whether the vendor provides RIA/advisory infrastructure or only technology
Account custody: whether the bank selects the custodian or uses the vendor’s relationships
Integration: core banking, digital banking app, CRM, authentication, and data feeds
Advice type:
- automated portfolios only
- goal-based financial planning
- advisor-assisted workflows
- AI financial guidance
Business model: licensing, revenue share, AUM fees, referral fees, or enterprise SaaS

For a typical U.S. community bank looking for a ready-to-launch branded wealth offering, the vendors most directly positioned around that segment appear to be Polaris Portfolios, FusionIQ, Marstone, WealthDirector, and Comarch.

I can also put together a vendor comparison matrix (pricing model, integrations, custody partners, minimum bank size, and implementation timeline) if that would be useful.

Sources cited in this answer9

Community banks looking to offer digital wealth management and automated investing typically partner with fintech infrastructure providers that specialize in white-labeling tools for smaller or mid-sized financial institutions.

Several key providers cater to or integrate smoothly with community banks and credit unions:

Eko (Eko Investments) : Eko provides a white-label digital investment and robo-advisor platform built specifically for banks and credit unions . It features automated risk-profiled portfolios (robo-advisory), hybrid investing, and self-directed options that integrate directly into an institution's existing digital banking interface. Learn more on the Eko Investments Platform Overview.
SigFig : SigFig is a prominent pioneer in enterprise digital wealth management. While historically known for powering large tier-one institutions (such as Wells Fargo, UBS, and Santander), they design modular, white-label advice and customer engagement platforms meant to modernize retail banking and investment services.
Tandems (formerly SigFig) : Rebranded or operating in specialized enterprise capacities, platforms like Tandems bundle automated portfolio construction, risk profiling, and rebalancing backend infrastructure explicitly intended for banks wanting a branded digital experience.
InvestSuite / WealthKernel : These are pure-play, API-driven white-label infrastructure providers. They enable banks and financial entities of varying sizes to launch fully branded investing and robo-advisory apps rapidly without building the investing engine from scratch.

If you'd like, let me know:

Are you looking for a solution that integrates with a specific digital banking core/app provider (like Q2 or Fiserv)?
Do you prefer a purely automated robo-advisor or a hybrid model that connects clients to human advisors at your bank?

I can help narrow down which vendor fits your asset size and integration requirements.

Sources cited in this answer4

Offering white-label robo-advisory and automated digital wealth software to smaller financial institutions like community banks and credit unions comes with unique challenges—primarily budget constraints, strict compliance, and the need to integrate smoothly with legacy core-banking systems.

While enterprise-grade providers historically targeted major multi-national institutions (such as Wells Fargo or UBS), a few key players and specialized platforms cater or scale down to regional and community-focused institutions:

SigFig : Known as a pioneer in B2B enterprise digital wealth, SigFig provides modular white-label platforms (such as SigFig Atlas and their digital advice suite) designed to integrate into existing bank tech stacks. They traditionally work with large and regional players, but their infrastructure is built to bridge retail banking and automated investing.
Eko (Digital Wealth/Robo Platform): Eko specializes specifically in white-label digital investment and robo-advisor architecture tailored for banks and credit unions, featuring risk-profiling questionnaires and automated portfolio rebalancing that plugs directly into existing digital banking interfaces.
Institutional / Custodial White-Label Enablers: Companies like Swissquote and other specialized European/global fintech backend providers offer modular white-label robo-advisory infrastructure, though community banks in the U.S. often have to evaluate them alongside domestic core providers (like Fiserv, FIS, or Jack Henry) for proper compliance alignment.

Note: Many community banks find that building a standalone robo-advisory tool is cost-prohibitive, so they instead partner with enterprise digital banking orchestrators or turnkey asset management programs (TAMPs) that offer lighter digital hybrid-advisory modules rather than a pure algorithm-only consumer robo.

Would you like to explore how these platforms integrate with core banking systems (like Fiserv or Jack Henry) , or are you looking for a solution tailored to a specific asset size or budget for your bank?

Sources cited in this answer3

If you mean B2B platforms that a U.S. community bank can brand as its own and embed into its digital banking experience, several vendors stand out:

Provider	What they offer	Community-bank fit
Unifimoney	White-label digital investing, including automated robo portfolios, self-directed stocks/ETFs, and IRAs	Strong — explicitly targets community banks and credit unions
Eko / Accutive FinTech	White-label investing embedded in the bank app; robo portfolios plus self-directed investing, IRAs and optional crypto	Strong — explicitly available to banks of all sizes and designed for native digital-banking integration
Polaris Portfolios	Co-branded digital wealth advisor with personalized investing, financial planning and access to human advisors	Strong — specifically marketed to community banks and credit unions
Comarch Wealth Management	Full white-label robo-advisory stack: onboarding/KYC, risk profiling, model portfolios, rebalancing, monitoring and investing	Strong for banks wanting deeper customization/integration
Quantfolio	White-label digital advisory platform with risk profiling, portfolio proposals, suitability/compliance workflows and client engagement	More enterprise-oriented, but applicable to banks and financial institutions
Backbase	Modular digital-investing capability for banks, including saving plans, trading and robo-advisory under the bank's brand	More of a broader digital-banking platform than a turnkey community-bank robo advisor
WealthMeUp	White-label investment account embedded in a credit union/community-bank digital banking experience	Specifically targets community banks and credit unions

The ones I'd investigate first

For a U.S. community bank, I'd put Unifimoney, Eko, and Polaris at the top of the initial vendor-discovery list—not as a ranking of quality, but because their public materials specifically describe bank/credit-union deployments rather than merely generic wealth-tech software.

The key distinction is that these aren't all the same product:

Unifimoney/Eko: closer to embedded investing-as-a-service—the bank puts investing inside its existing digital experience.
Polaris: closer to a digital wealth/advisor offering, including human-advisor access.
Comarch/Quantfolio: more like technology infrastructure for building/customizing a bank's own wealth proposition.
Backbase: potentially appropriate if the bank is already using or considering a broader digital-banking transformation.

If you're evaluating vendors for an actual community bank, I can also make a 10–15 vendor comparison focused specifically on U.S. availability, white-labeling, custodial/broker-dealer arrangement, AUM/fee model, core/digital-banking integrations, compliance responsibility, minimum bank size, and estimated implementation complexity.

Sources cited in this answer8

Providing white-label robo-advisory and digital wealth services allows community banks to compete with fintechs and keep non-interest income in-house. While major enterprise providers historically targeted massive tier-one global banks (like Wells Fargo or UBS), a mix of specialized fintech-as-a-service platforms and embedded finance infrastructure now caters effectively to mid-sized and community financial institutions.

Eko (*Eko Investments-as-a-Service * ): Specifically designs embedded, white-label digital investment and robo-advisor platforms tailored for regional banks and credit unions. They provide plug-and-play integrations into existing mobile/online banking dashboards, handling backend clearing, compliance, and regulatory overhead so smaller institutions don’t have to build infrastructure from scratch.
SigFig (SigFig Enterprise ): Known for enterprise-grade digital wealth management and automated advice software. While they power massive institutions like Citizens Bank and Santander, their modular design scales down to regional and community-focused banks looking to overhaul their digital investment channels.
Betterment for Advisors (Betterment Institutional / Advisors ): Offers flexible digital advice and portfolio management infrastructure. Though traditionally built for independent RIA networks, their platform features institutional-grade tools that can be leveraged by financial institutions wanting a robust automated investing backend.
Clearing & Custodial Partners (Apex Clearing / DriveWealth) : Rather than offering a direct plug-and-play frontend app, infrastructure providers like Apex Clearing and DriveWealth supply the underlying APIs and fractional-share brokerage infrastructure. Community banks often partner with specialized digital product agencies to wrap these APIs into a custom-branded, compliant front-end robo-advisor.

If you're exploring this for a specific institution, let me know:

Are you looking for a turnkey plug-and-play app or an API-driven custom build?
What digital banking core/provider (e.g., Q2, Jack Henry, Fiserv) are you currently utilizing?