Get Fintech Data Insights for FI leaders
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Win Gen-Z/Millennials with $1 fractional investing + AI coach + rewards.
Stop deposit leakage to fintechs by meeting members where they bank
No new license, no new hires. Go live in 6–8 weeks.
10× weekly log-ins • lift in deposits • lower attrition
SSO/API connect to your digital banking stack — live in weeks, not quarters
Co-branded rollout in 4–8 weeks with brand-safe templates
Investing + AI guidance + rewards → daily habits + higher balances
Self-directed investing starting with zero or $1
Members can diversify their Portfolio for long term growth
Members are guided on investing risk, trends and more
members can build Portfolio based on goals, interest and risk
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engage with a conversational Financial Coach anytime
Schedule Recurring savings to investing Transfers
members choose Themes (sports, Anime, etc) to learn finances
Guidance and tracking to hit a major Financial milestone
Built-in lifestyle Rewards for healthy financial habits
Drive members back with Fine dining, travel and more perks
A personalized Journey based on financial Level and goals
TikTok and YouTube style community with peer investors
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Seat-based licensing • Volume discounts auto-apply • Launch in 4–8 weeks
Ideal for small–mid FIs
(≤25k active account holders or < $1B assets)
Ideal for mid-large FIs
(25k+ active account holders or $1B+ assets)
If you can’t find the answer you’re looking for, please don’t hesitate to...
No. AlgoPear operates as the full-stack technology layer, on top of a broker-dealer. All investing and trade execution runs through our FINRA and SIPC-registered partner brokerage (Alpaca). Your institution stays fully compliant as the offering remains under an approved custodial and execution partner — no new license or securities registrations required.
Yes. AlgoPear can integrate with leading digital-banking platforms such as Q2, Alkami, Jack Henry Banno, and more, as well as core providers. Our plug-and-play APIs allow for single sign-on (SSO) and unified member data flow, so members/account-holders never have to leave your banking app.
Absolutely. You can enable or disable crypto at the policy level. Many institutions start with traditional fractional stock and ETF investing, then add crypto once compliance and board approval are in place. We handle all custody and reporting via regulated partners — you decide what products are visible to members.
AlgoPear is built for regulated financial institutions.
- SOC 2 Type II certified infrastructure
- FINRA, SEC, and SIPC standards via partner brokerage
- Bank-grade encryption, audit logs, and SSO across all deployments
- No PII data stored without your control
We work directly with your compliance and cybersecurity teams during onboarding to meet your internal audit and vendor-management standards.
AlgoPear is an engagement platform. Our main goal is to keep members activated at the highest level compared to other fintechs.
Our Pear Insights platform tracks key growth metrics automatically for your view:
- Deposit retention, growth and flow trends
- Active engagement rate (DAU/WAU)
- New account and card/loan pull-through with markting campaigns
- Financial health score and segment for your account holders
You’ll gain access to real-time analytics that demonstrate Selene’s impact on deposits, engagement, and loan leads.
You’ll have a dedicated Customer Success Manager who acts as a bridge between your team and our implementation engineer, product marketing adoption team, who also manage updates, reporting, and front-line training for your staff.
Once we launch, we provide a toolkit, including marketing emails, in-app banners, and promotional and educational content, to drive product adoption.
AlgoPear is an AI-powered embedded investing + financial wellness platform that enables credit unions and community banks to engage and attract the next-gen account holders while retaining deposits within your ecosystem.
AlgoPear Selene platform helps you keep your members engaged by offering our fractional guided investing, AI-money coach, and gamified rewards. This approach prevents them from seeking similar tools from external fintech platforms..
Credit unions, community banks, and financial institutions who are seeking to aquire younger account holders, modernize digital banking, and compete with fintechs like Robinhood, Coinbase and Nerdwallet.
