WealthKernel

We're expanding our presence in Europe with the acquisition of WealthKernel completed! This is a major milestone in empowering fintechs and financial institutions to build and scale investment products across the entire continent: ✅ Regulated European Presence: WealthKernel is now Alpaca Europe*, establishing a fully licensed brokerage and custody framework across the UK and EU. ✅ Regional Leadership: Karan S., CEO of WealthKernel, was named the CEO of Alpaca Europe, bringing extensive experience in building regulated investment infrastructure ✅ Unified Global Infrastructure: By combining our API-first brokerage infrastructure with WealthKernel’s, we are driving down fragmentation in global investing by building a single, unified brokerage layer. This foundation allows for offerings like tax-advantaged accounts (ISAs and SIPPs) alongside Alpaca’s multi-asset infrastructure and self-clearing broker-dealer. With a regulated presence in both the US and Europe, we're making cross-border investing simpler, more efficient, and fully scalable. Read the full announcement below.

The WealthKernel and Alpaca team is heading to London next week for a happy hour on March 11! 🇬🇧 We’re looking forward to a relaxed evening of conversations and networking with the community. If you’re in the area, we’d love to see you there. Register here to join us: https://lnkd.in/epFPa3PD

We’re very excited to announce that our partner Seapoint, the financial home for European startups, has launched integrated treasury management, giving founders access to institutional Money Market Funds and custody services. Many high-growth companies leave raised capital sitting in current accounts. Not because they want to, but because treasury often means extra KYC, more providers and added friction. Until now. Using WealthKernel’s API and Appointed Representative model, Seapoint’s customers can now: ✅ Put idle company cash to work through institutional MMFs ✅ Integrate the treasury into their existing business account ✅ Remove the need for additional providers and repeated KYC ✅ Centralise payroll, expenses, reporting and treasury “Treasury management kept coming up as the thing our customers wanted most, but they didn’t want the hassle of managing another platform,” says Sean Mullaney, CEO of Seapoint. By bridging business banking and treasury, Seapoint is helping founders put their capital to work, without adding complexity. Read the full announcement here: https://lnkd.in/eb6SkuzB

2025 marked a new chapter for WealthKernel. As this year comes to a close, we want to take a moment to celebrate our milestones. 🚀  • We onboarded 5X new tenants this year, supporting a broad range of integrations from safeguarding, Money Market funds, and regulatory services.   • Joined the Alpaca family, in a strategic step to support our long-term global ambitions and our mission to open financial services for everyday investors.  • Strengthened our core investment infrastructure, including a new custody operating model, flexible ISAs, junior SIPPs, improved transfer capabilities and an outsourced KYC API.   • Saw strong growth in client cash following the launch of Money Market Funds, with AUM increasing from £14M to £127M.   • Expanded our UK regulatory services, supporting multiple Section 21 and Appointed Representative tenants. Thank you to our tenants, partners and team for the trust and collaboration throughout the year. Here’s to 2026 and the opportunities ahead!🎉

The Financial Services Compensation Scheme protection limit has now increased to £120,000. We’ve broken down what this means for your customers and your platform in our latest carousel, and how WealthKernel is supporting the change behind the scenes. Learn more about the update 👉 https://lnkd.in/ebF6cvBk

If you're in #Paris today or tomorrow, the team is still onsite. Book a slot with Karan Shanmugarajah, CFA & Robert Goan through this link 👉 https://lnkd.in/dk5DrZG4

Our CEO, Karan Shanmugarajah, CFA, attended the 2025 Annual Report Launch in Parliament last week, hosted by the Fintech Founders! This was an important moment for the fintech industry as founders, policymakers, and innovators came together to discuss what’s next for UK growth. Key takeaways for us:  • Fintech remains one of the UK's strongest drivers of innovation, but continued progress depends on clear, supportive regulation for scaling companies.  • AI is rapidly reshaping financial infrastructure, and thoughtful, future-proof regulation is essential to keep the UK competitive. A big thank you to the organisers and everyone who contributed to the discussion. It’s encouraging to see these conversations happening at the heart of policymaking.  

Which custody model fits your investing setup? 🤔 Not every platform needs to build its infrastructure the same way. How you manage trading, custody, and client data shapes how fast you can scale.🚀 At WealthKernel, we offer three custody models that complement your growth stage and regulatory setup, so that you can decide the level of control, visibility, and operational support you need.  • Fully Disclosed: Simplify operations. We will manage custody, reconciliation, and settlements.  • Omnibus: Total control over data and infrastructure.  • OmniSub: Hybrid setup - speed and flexibility, without the heavy ops load. The right custody model isn’t just about cost or complexity; it’s about how you want your business to be set up for future growth. Explore the differences here 👉 https://lnkd.in/d8guDEm9