eko

Eko supplies an end-to-end, white-label investment platform that banks and credit unions embed directly into their existing digital banking applications. Clients of those institutions can open and manage multiple portfolios of varying types, with investing available from low minimums (the site cites entry points from $1, and partner institutions describe minimums of $10). The platform covers the functions a financial institution would otherwise have to build or staff internally, including SEC/regulatory overhead, trade execution management, portfolio creation and management, compliance management, and middle- and back-office operations.

The product is delivered through integrations with digital banking providers rather than through a core banking integration. Eko states this allows end users to move money and invest directly from their checking or savings accounts, and allows institutions to launch in a 2-4 week installation window, offered with a 30-day no-commitment pilot. Feature set described at a 2025 conference presentation includes in-app investing with low minimums; pre-built, hybrid and self-directed portfolios; robo-advising with AI support; and digital banking integration. The platform also supports portfolio transfers and rollovers so that users can move holdings from external investing apps back to their bank or credit union.

Eko positions its offering around expanding investment access beyond clients served by traditional financial advisors. Company materials state that Eko enables 10,000 banks and credit unions to offer digital investing on their existing banking platforms via its white-label solution.

Business model

Business-to-business: Eko licenses its white-label investment platform to financial institutions, which offer the resulting investment accounts to their own customers or members. An investor in the company described the model as giving financial institutions an additional source of non-interest revenue alongside existing checking and savings accounts.

Traction

Company-reported outcomes include 9% of users opting into an investment account within one year of launch, 11% growth in bank deposits from Eko users in year one, a 4x increase in digital banking logins among Eko users, and clients being 6x less likely to leave their financial institution. Named customer references include a $2bn-asset bank in Vermont and New Hampshire and a 22,000-member California credit union.

Latest developments

In October 2025 Eko announced it had been voted Best FinTech 2025 at the Tennessee Credit Union League's FinTech Connect conference in Nashville, following a second consecutive Finovate 'Best of Show' win earlier in the year.