What happens between your app and the exchange
Four ways to plug Inopay in, depending on what you already are. In all four the principle is the same: you keep the client relationship, a licensed broker executes, and Inopay never holds either the securities or the money.
The principle, before the diagrams
Inopay is a technical provider. That has three concrete consequences, identical for all four profiles.
You keep your client
The portal, the emails and the domain carry your brand. The end client never sees the Inopay name.
The licensed broker executes
No order reaches the market without going through a licensed brokerage firm. It holds the licence, not us.
We hold nothing
Neither securities nor cash. Assets stay with the account keeper. Inopay carries instructions and proof.
The path of an order, depending on who you are
Read the line that concerns you. The two dark boxes are the ones Inopay operates.
You are a licensed broker
You have the licence and the clients; what you lack is the digital layer. Inopay ships the portal and the app under your brand — your orders stay yours.
- The portal and mobile SDK carry your identity and your domain.
- Orders land in your existing back office, in the format you already use.
- KYC is done once and reused — no putting your clients through the form again.
You are a fund manager
You publish the net asset value of your funds; distributors subscribe under mandate. Inopay is the channel between the two.
- You publish the net asset value; it is dated, timestamped and retained.
- You name the distributors authorised to place your funds.
- Every subscription is tied to the mandate that authorises it.
You are a bank
Your clients already hold an account with you. Inopay adds investing to your app, without you having to set up a brokerage firm.
- Investing appears as a feature of your app, not as a third-party service.
- Your banking licence is untouched: execution stays with the broker.
- The KYC already done at account opening is reused, not redone.
You are a wallet or a transfer app
Your users already deposit, send and receive with you. Inopay lets them invest part of it, from the same app.
- The SDK embeds in your app, published under your own developer account.
- Your transfer or e-money licence is not engaged.
- No variable share on your volumes: the licence is a flat fee.
From the first conversation to production
The same path for all four profiles. Timelines depend on your side as much as on ours.
- STEP 01
Agreement
We scope the perimeter, the broker who will execute if you are not one, and who does what. The agreement is signed electronically.
- STEP 02
Sandbox
You get test keys and fictitious data. You integrate and break whatever you like, with no consequences.
- STEP 03
Integration
Portal under your brand, SDK in your app, webhooks into your systems. We review your integration before go-live.
- STEP 04
Production
Production keys, monitoring and contractual service commitments. The first real order goes out under your control.
Not sure which line you are on?
Describe your situation in two sentences: we reply with the diagram that matches, and what it takes to put it in place.