Robos & Wealth

Unlike predictive or generative AI, agentic AI can manage and execute end-to-end processes with little to no human interaction, said David Breakstone, managing director at Salesforce. The conversational technology is able to break down large projects into smaller tasks within established guardrails, he said. “Agents can do the jobs that we don’t want to do, and they could deliver instantaneous execution,” he said. Advisors can define which tools the agentic AI should use for problem-solving, said Erik Allison, managing partner of Wealth Vision. This is a step beyond simple workflows, he said. In addition, workflows are usually based around what advisors are currently doing that they want to do quicker, said Geoff Moore, chief information officer of Valmark Financial Group. One area where advisors might see immediate gains is in the life cycle of a prospect to a client in the meeting, said Allison. Once a prospect’s contact information hits the advisor’s CRM, the agentic AI could perform intelligence research by searching public domains such as Google and LinkedIn. Then, an agenda could be automatically prepared before the initial meeting. And after the meeting, a follow-up email could be prepared and sent automatically with bullet points. Due diligence on alternative investments is already being significantly shaved down through the use of agentic AI, said Rob Pettman, president of TIFIN. Advisors have a responsibility to ensure that what comes out of the other end of these tools is accurate, said Allison. This could look less like prompt engineering and more like context engineering, said Moore. One example of what the future could look like is the concept of “vibe coding,” in which natural language prompts are used in the coding process. “We’re putting this technology in the hands of people that have never dealt with some of this stuff,” he said. Even with humans looking over the outputs, agentic AI could serve as an extra review that wasn’t possible before, said Moore. “You’ll be able to cover more cases than you could before, because now it’s with AI and not just a human,” he said. Looking down the road, Moore said he foresees an integrated agentic AI workstation that will serve as a centralized tool that advisors can speak to normally. “They don’t have to be programmers; they can just talk to it,” he said. Pettman said he thought a single-advisor office with no support staff would be a possibility in the future.

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Ondo Finance launched Wednesday its tokenized equity platform dubbed Ondo Global Markets, offering non-U.S. investors access to more than 100 U.S. stocks and exchange-traded funds (ETFs) on-chain. The tokenized equities, has gone live on Ethereum and are backed by securities held at U.S.-registered broker-dealers, the firm said. The offering includes crypto token versions of Apple (AAPL), Nvidia (NVDA) and the QQQ ETF among others. Investors in Asia-Pacific, Europe, Africa and Latin America can mint and redeem shares around the clock during trading days, with access to underlying exchange liquidity. The service is not available for U.S. users. The tokens are designed to move freely between wallets, exchanges and decentralized finance (DeFi) protocols. The firm has also partnered with BitGo, Ledger, Chainlink and other infrastructure providers to support the rollout. Ondo said it plans to expand the selection to more than 1,000 assets by the end of this year and bring the service to Solana and BNB Chain (BNB) with LayerZero-powered interoperability. “We saw stablecoins export the U.S. dollar by bringing it on-chain,” said Nathan Allman, founder and CEO of Ondo Finance. “Now, Ondo Global Markets is doing the same thing for U.S. securities.” The rollout comes as tokenization of real-world assets (RWAs) gains momentum across crypto markets, with projects bringing treasuries, private credit and now equities onto blockchains pursuing broader access and liquidity.

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Crypto trading firm Keyrock reports a significant surge in onchain asset management, with assets under management (AUM) increasing by 118% in 2025 to reach $35 billion. This growth is attributed to advancements in automated yield vaults, discretionary strategies, structured products, and credit. Keyrock forecasts that AUM could approach $64 billion by 2026 under a base case scenario, potentially rising to $85 billion if the current growth trend persists. Discretionary strategies have emerged as the leading segment, experiencing a remarkable 738% year-to-date increase, positioning onchain investing as a viable alternative to traditional finance.  The report points out that three protocols—Morpho, Pendle, and Maple—now account for 31% of the industry’s AUM, indicating both strong leadership in scaling and inherent concentration risks. Yield vaults remain the primary entry point for allocators, accumulating $18 billion in deposits. Despite a proliferation of smaller wallets, larger entities referred to as whales and dolphins account for 70% to 99% of the capital across various strategies.  In terms of performance, onchain asset management has matured to the point where net returns are competitive with traditional financial markets, although they are no longer consistently superior. Notably, automated yield vaults outperformed traditional finance peers by approximately 186 basis points after fees, while structured products and onchain credit fell slightly behind when costs were considered. Discretionary strategies have provided hedge fund-like results with the added advantages of enhanced liquidity and transparency. Recently, Keyrock expanded its operations into asset and wealth management by acquiring Turing Capital, a fund manager based in Luxembourg.

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FIS has launched FIS® Investor Services Suite, an end-to-end solution designed to transform the investor servicing landscape for financial institutions, as well as alternative and traditional fund managers. The solution helps optimize end-to-end processing for swift customer onboarding and enhanced investor screening, and will make it possible to automate the investor lifecycle, helping to improve operational efficiency and support the ability of clients to meet their regulatory obligations. The Investor Services Suite, which caters to hedge funds, private equity, hybrid funds, and retail fund structures, can help deliver fast customer onboarding through digital means, including integrations to ID verification systems, to deliver richer client experiences. Customers can customize anti-money laundering (AML) and Know Your Customer (KYC) capabilities, allowing advanced screening and compliance with AML regulatory requirements across multiple jurisdictions. Additionally, the solution offers functional capabilities to facilitate efficient cash management, and sophisticated fee engines to help provide accurate fee calculations and customizable reporting. By helping fund managers, administrators and private banks modernize their operations, the FIS Investor Services Suite can ultimately benefit end investors by making it possible to enhance transparency, engagement and trust to unlock insights for more informed strategic decisions across the investor lifecycle.

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Bluwhale, the decentralized intelligence network powering AI agents across blockchains, has launched its digital financial health dashboard aimed at Gen Z navigating a hybrid world of digital assets and traditional finance. Bluwhale bridges Web2 and Web3, creating a unified dashboard that connects bank accounts, stablecoins, crypto wallets, staking activity, and DeFi flows. With the introduction of the Whale Score, Bluwhale is rewriting the rules for financial health by combining and analyzing crypto, stablecoins, staking income, digital assets, cash, and traditional investments in real time. The app lets users seamlessly track, benchmark, and gamify their financial standing, while AI agents deliver personalized products and services—all without manual input. It combines digital asset transparency with AI-powered analytics to deliver a dynamic financial health score, reflecting the broader trend among younger users who view wealth not just as an asset—but as a social signal often called “flexing.” Bluwhale aggregates real-time data from wallets, bank accounts and credit cards while encouraging large financial institutions and web3 enterprises to meet Gen Z’s digital expectations. Unlike traditional tools like RocketMoney, which require manual data input or tedious accounting practices, the Whale Score (0–1000) automatically unifies traditional banking data and crypto activity into a gamified financial health dashboard while AI agents manage assets in the background. The system produces a real-time, percentile-ranked financial health score—similar to Apple Health or Whoop—that measures physical health, so consumers can compare their performance with their peers.

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eToro has launched crypto staking for its US users, giving clients the ability to earn monthly rewards on select tokens. The program reportedly starts with Ethereum (ETH), Cardano (ADA), and Solana (SOL), with plans to add more assets later. The feature allows customers to stake eligible crypto while maintaining control of their holdings. It expects to broaden the program to include additional cryptoassets in the future, building on its US digital asset offering. Commenting about the move, Andrew McCormick, the Head of eToro US, said: “eToro has simplified the staking experience for retail investors so they can enjoy monthly rewards without added complications.” eToro is eying expansion across different markets. It recently secured regulatory approval to provide crypto asset services in Germany under the Markets in Crypto-Assets Regulation. The license allows the company to operate in compliance with the EU’s new crypto framework, strengthening its presence in one of Europe’s largest financial markets.

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With Robinhood Retirement, you’ll receive an extra 1% added to your IRA account on eligible contributions up to the annual contribution limit. However, if you’re a Robinhood Gold subscriber, the IRA match is actually 3%. You must stay subscribed to Gold for one year after your first Gold match to keep the full Gold match. Robinhood offers both traditional IRAs and Roth IRAs. IRA transfers and rollovers from old 401(k) accounts are also eligible for the 1% match. Note that contributions coming from your Robinhood brokerage account or spending accounts are not eligible. According to Robinhood’s website, once you make a contribution, you should be able to instantly see the match in your account. Robinhood’s IRA match does not count toward your annual IRA contribution limit. Doing the math on the match and contribution limits, a $7,000 yearly contribution would earn up to a $70 match each year, or $210 with Robinhood Gold. An $8,000 annual contribution earns up to an $80 match on top of your contributions, or $240 with Robinhood Gold. You can keep your match if you’ve kept eligible contributions in the IRA for at least 5 years. If you withdraw money from the IRA before 5 years and your remaining balance is the same or higher than your deposit amount that earned the IRA match plus the match amount, the match is yours. Robinhood may charge an early IRA match removal fee if the remaining balance is lower. To play it safe, try to avoid withdrawing money from your IRA. Instead, turn to an emergency savings account if you need to access cash for an unforeseen circumstance.

• Pros: No management or commission fees; IRA match available, which is uncommon for IRA accounts; Customizes users’ recommended portfolios around user responses to a questionnaire; Traditional IRA and Roth IRA accounts available; SPIC coverage of up to $500,000
• Cons: Limited investment options; Retirement investment recommendations are not available to residents of Massachusetts

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Mintland, an innovative blockchain-powered platform, has officially launched with the mission to make real estate investing accessible to everyone, regardless of income level or location. By tokenizing premium global properties, Mintland allows investors to own fractional shares of real estate for as little as $10—a move poised to disrupt a $300 trillion industry. Mintland makes real estate ownership accessible by tokenizing global properties, breaking them into digital shares starting at just $10. This innovation allows investors to buy, sell, and trade property shares instantly, without the friction of traditional systems. With Mintland, investors gain access to: Fractional Ownership: Own a share of luxury apartments, commercial towers, and beachfront villas worldwide. Instant Liquidity: Trade property shares like digital assets—no waiting, no middlemen. Borderless Investing: Access opportunities across global markets with nothing more than a smartphone. Mintland investors can earn in three ways: Rental Income: Receive proportional payouts from rental yields; Capital Growth: Benefit from long-term appreciation of property values; Token Growth: Watch the value of $LAND, Mintland’s native token, rise as adoption scales. By introducing blockchain security, transparency, and instant tradability, Mintland bridges the gap between traditional wealth-building strategies and modern financial innovation.

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Binance has announced the launch of Crypto-as-a-Service, a white-label product aimed at financial institutions and brokerages. The platform is designed to let these firms offer crypto trading under their own brand while using Binance’s infrastructure. CaaS provides institutions with access to Spot and Futures trading, liquidity, custody, compliance, and settlement. Institutions keep control of their user interface and client relationships while reducing the cost and time needed to build crypto services independently. The service includes internalised trading, which lets institutions match orders between their own clients when best-price matching is possible. If internal liquidity is not sufficient, the platform connects directly to Binance’s global Spot and Futures order books. Institutions will also gain access to a management dashboard. It offers data on trading volumes, onboarding, asset flows, and trade distribution. Sub-accounts, commissions, and trading settings can be managed through the dashboard, which also supports API connectivity. CaaS comes with client management tools that allow institutions to segment customers, apply fee markups, and design trading experiences for different groups. Custody and compliance tools are integrated, including asset segregation, settlement, KYC, and monitoring APIs. Only selected licensed banks, brokerages, and exchanges will take part in this phase. Broader availability is scheduled for later in the fourth quarter. “Building crypto capabilities from scratch is complex, costly, and can be risky. That’s why we created Crypto-as-a-Service — a turn-key solution that provides institutions with trusted, ready-made infrastructure,” Catherine Chen, Head of VIP & Institutional at Binance.

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Orion, a premier provider of transformative wealthtech solutions powering the growth of financial advisors and the enterprise firms that serve them, and GiftingNetwork, provider of comprehensive philanthropic solutions, announced an integration partnership that empowers Orion advisors to offer personalized, white-labeled donor-advised fund (DAF) solutions that drive deeper family engagement, align wealth with values, and retain assets across generations. Unlike traditional DAF offerings, GiftingNetwork enables Orion advisors to create their own firm-branded DAF experience, backed by a growing network of DAF sponsors and charities and supported by cutting-edge, mobile-first technology. Advisors gain full control over the philanthropic journey, offering clients a values-based extension of their financial plan with potential tax benefits, such as donating appreciated assets without incurring capital gains taxes and securing immediate charitable deductions. Orion advisors can now launch white-labeled DAFs, facilitate multigenerational giving conversations, and serve nonprofit clients with tailored capabilities. These offerings further Orion’s commitment to delivering modern portfolio impact, combining behavioral finance, risk management, and personalized planning to align portfolios with each client’s goals, values, and emotional drivers. GiftingNetwork’s platform combines intuitive donor experiences with advisor-facing reporting dashboards, grant workflows, and philanthropic consulting. GiftingNetwork is part of Orion’s Premier Partnership Program, a strategic initiative to collaborate with select industry leaders to deliver cutting-edge solutions for advisors.

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