# Bluum Finance

> Bluum Finance provides brokerage infrastructure and AI wealth management tools via API, enabling businesses to embed global investing into any product with a single integration.

Bluum Finance is a fintech infrastructure company that offers Brokerage-as-a-Service (BaaS) and AI-powered wealth management as a service. The platform gives fintechs, neobanks, credit unions, asset managers, and developers access to compliance-ready trading, custody, money movement, and AI portfolio management through RESTful APIs, WebSocket connections, and pre-built UI components.

## Products

### Brokerage-as-a-Service (BaaS)
Full brokerage infrastructure delivered via API and agentic interfaces. Includes real-time trading and execution across stocks, ETFs, options, and crypto. Comes with built-in KYC/AML compliance, trade reporting, SIPC-protected custody, and money movement with instant deposits and withdrawals. Enterprise-grade with 99.99% uptime SLA and white-label customization.

- Product page: https://bluumfinance.com/brokerage-as-a-service

### AI Wealth Management (AI Advisory-as-a-Service)
AI-powered portfolio optimization using machine learning for personalized investment strategies. Capabilities include goal-driven investment management, thematic investments, retirement planning, tax optimization, estate planning, automated rebalancing, and real-time portfolio insights.

- Product page: https://bluumfinance.com/ai-advisory-as-a-service

## Infrastructure Stack
1. Regulatory Compliance — FINRA-registered broker-dealer with full KYC/AML and trade reporting
2. Money Movement — Secure fiat and stablecoin payment processing
3. Trading and Execution — Real-time access to stocks, ETFs, options, and crypto
4. Custody and Clearing — SIPC-protected custody through top-tier partners
5. AI Portfolio and Wealth Management — Automated rebalancing and personalized recommendations

## Global Market Access
US markets (NYSE, NASDAQ), London Stock Exchange (LSE), Japan (NIKKEI), Nigeria (NGX, FMDQ), South Africa (JSE), Brazil (B3), Mexico (BMV), South America (MILA), and additional African markets. Asset classes include stocks, bonds, crypto, gold, minerals, commodities, derivatives, and private markets.

## Integration Options
- API-First: RESTful APIs with webhook support, sandbox environment, comprehensive documentation
- Pre-Built Components: React and React Native components with customizable design system
- Agentic AI Interface (MCP Server): Model Context Protocol server for direct integration with AI agents and LLM-powered applications, enabling autonomous trading, portfolio management, and wealth advisory workflows
- White-Glove Service: Custom design and development with a dedicated implementation team

## Use Cases
- Fintechs and Neobanks: Launch investment features in weeks with white-label solutions
- Credit Unions: Member investment solutions with seamless core banking integration
- Asset Managers and RIAs: Professional investment management tools and infrastructure
- Payment and Remittance Fintechs: Add global investment services to increase value proposition
- Employee Benefits: Financial wellness and wealthcare programs for employers
- Digital Banking: Embed investing directly into digital banking experiences
- Microfinance Institutions: Expand offerings with accessible investment products
- Retail Investors: Institutional-grade personalized investment management
- Individual Developers: Build custom AI wealth managers and automate portfolios

## Company

### Leadership
- Ope Sonusi — Co-Founder, CEO/CTO
- Tosin Oladokun — Co-Founder, CPO
- Dami Eyitayo, PhD, CFA — Chief Investment Officer

### Key Links
- Website: https://bluumfinance.com
- API Documentation: https://docs.bluumfinance.com
- Dashboard: https://dashboard.bluumfinance.com
- Demo: https://demo.bluumfinance.com
- Book a Call: https://calendly.com/ope-bluumfinance/30min

## Pages
- Homepage: https://bluumfinance.com
- About: https://bluumfinance.com/about
- Services: https://bluumfinance.com/services
- Brokerage-as-a-Service: https://bluumfinance.com/brokerage-as-a-service
- AI Wealth Management: https://bluumfinance.com/ai-advisory-as-a-service
- Retail Investors: https://bluumfinance.com/retail-investors
- Payment and Remittance Fintechs: https://bluumfinance.com/payment-remittance-fintechs
- Credit Unions: https://bluumfinance.com/credit-unions
- Asset Managers and RIAs: https://bluumfinance.com/asset-managers-rias
- Employee Benefits: https://bluumfinance.com/wealthcare-for-employee-benefits
- Digital Banking Fintechs: https://bluumfinance.com/digital-banking-fintechs
- Microfinance Institutions: https://bluumfinance.com/microfinance-institutions
- For Individuals: https://bluumfinance.com/for-individual
- For Enterprises: https://bluumfinance.com/for-enterprises
- Developers: https://docs.bluumfinance.com
- Blog: https://bluumfinance.com/blog
- FAQ: https://bluumfinance.com/faq
- Contact: https://bluumfinance.com/contact
- Careers: https://bluumfinance.com/career
- Demo: https://bluumfinance.com/demo
- Privacy Policy: https://bluumfinance.com/privacy-policy
- Terms of Service: https://bluumfinance.com/terms-of-service

## FAQ

Q: What is Brokerage as a Service and how does it work?
A: Brokerage as a Service provides complete brokerage infrastructure through APIs and agentic interfaces. Businesses can integrate trading capabilities, account management, and compliance features into their existing platforms without building the complex backend infrastructure themselves.

Q: What is AI Advisory as a Service and what capabilities does it offer?
A: AI Advisory as a Service delivers AI-driven personalized financial advisory through APIs. It provides real-time insights, goal-driven investment management, thematic investments, retirement planning, tax optimization, and estate planning capabilities that businesses can integrate into their platforms.

Q: How do I integrate your APIs into my existing platform?
A: The APIs are designed for seamless integration with comprehensive documentation, SDKs, and developer support. RESTful APIs and WebSocket connections are provided with detailed integration guides to help deploy trading and advisory capabilities quickly.

Q: What compliance and regulatory requirements does Bluum Finance handle?
A: All regulatory compliance is handled automatically, including KYC/AML processes, trade reporting, and regulatory requirements. This reduces the compliance burden and ensures platforms meet all necessary financial regulations.

Q: What types of businesses can benefit from Bluum Finance?
A: The services are designed for any business looking to add financial capabilities to their platform, including fintech companies, traditional financial institutions, wealth management firms, insurance companies, e-commerce platforms, and SaaS companies.

## Optional

- Full details: https://bluumfinance.com/llm-full.txt