Bits of Stock

What Bits of Stock does

Bits of Stock, operating under the legal entity Emcee Invest, Inc. (Delaware), is a B2B fintech that white-labels an investment-and-rewards platform to US banks and credit unions. Its platform enables partner financial institutions to embed fractional stock rewards, automated round-up investing, fractional trading, crypto investing, and a full brokerage account directly into their existing digital banking apps. Target end consumers are Gen Z and Millennial account holders — the 70% of Gen Z who, per a cited Jack Henry study, want their primary FI to assist with financial goals. The underlying architecture combines a customizable web application module layer with full API access, pre-built connectors into Jack Henry, Q2, and Lumin Digital banking platforms, and custodial clearing through Velox Clearing LLC under SEC/FINRA oversight. The platform is SOC2 Type 2 certified and offers optional blockchain-enabled transaction settlement (referenced in the Old Glory Bank partnership).

Bits of Stock operates a B2B2C go-to-market with no consumer fees. Revenue is generated via multi-year B2B platform licensing subscriptions (3-year initial term + 1-year renewals, invoiced annually in advance) to financial institution partners, with the platform designed to drive measurable incremental card interchange revenue for those FIs — a joint NYU study cited 50.6% higher monthly spend and 24.1% higher swipe frequency among users. Named direct FI customers include Strata Credit Union (27% higher monthly spend), OMB Bank (12.5% higher swipes), Heritage Bank, UNIFY Financial Credit Union, and Old Glory Bank (partnership announced October 2025, deployment early 2026). Headquartered in Amsterdam and New York with a Miami business office (Emcee Invest, Inc., 390 NE 191st St STE 8981), the company has 11–50 employees and was founded in 2016, having raised a $4.4M seed round in June 2022 from Keen Venture Partners and Yellow Accelerator by Snap Inc. The service is restricted to US residents.

Name

Bits of Stock

Legal name

Emcee Invest, Inc.

Website

https://bitsofstock.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Bits of Stock is a B2B fintech that provides banks and credit unions with a white-label platform enabling stock rewards, fractional trading, round-up investing, and crypto — embedded directly into partner digital banking apps for Gen Z and Millennial consumers.

Ownership category

akta.pro rank

Product category

Embedded Stock Rewards Platform

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Stock rewards platform
• Fractional share investing
• Embedded banking solutions
• White-label fintech API
• Card-linked loyalty software

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. B2B Platform Licensing to Financial Institutions: Bits of Stock provides its white-label platform to banks and credit unions (Financial Institution Partners) who pay fees for integration and platform access. Revenue is generated through Order Forms with multi-year terms (3-year Initial Term + 1-year renewals) with platform fees invoiced in advance.
2. Interchange Revenue: The platform is designed to boost card interchange revenue for financial institutions. A joint study with NYU showed stock rewards drove a 50.6% increase in monthly spend and 24.1% increase in swipes, generating higher interchange fees for partner banks.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Bits of Stock provides a white-label B2B fintech platform that enables banks and credit unions to embed fractional stock rewards, round-up investing, fractional trading, and crypto investing directly into their digital banking experiences. Financial institutions integrate the platform via APIs, widgets, or pre-built connectors with core banking providers such as Jack Henry, Q2, and Lumin Digital, then offer the resulting investing and rewards features to their retail account holders. End consumers earn fractional shares of stock as card-linked rewards, round up debit purchases into investments, and trade fractional shares through a mobile-first brokerage account custodied at Velox Clearing LLC.

Product overview

Bits of Stock is a B2B fintech platform offering a white-label investment and rewards solution for financial institutions (banks and credit unions). The core platform enables banking customers to earn fractional shares of stock and crypto as rewards for purchases, with automatic round-up investing features. The product architecture consists of the Stock Rewards Program (primary B2B offering), Stock Round-ups, Fractional Trading, and Crypto Investments as core features. Supporting modules include the Stock Rewards Module, Stock Round-ups Module, Stock Pick Module, Brokerage Documents Module, Transfer Flow Module, and Notional Trading modules. Financial institutions can integrate via API or pre-built connectors with Jack Henry, Q2, and Luminex Digital platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Stock Rewards Program White-label B2B offering that enables financial institutions to award fractional shares of stock as rewards to their cardholders on qualifying purchases, redeemable through a linked brokerage account. Designed to boost deposits and card interchange revenue for partner banks and credit unions.
• Stock Round-ups Automated round-up feature that invests spare change from debit card purchases into pre-selected fractional stocks, with configurable multipliers (1x–5x) and daily or weekly transfer cadence.
• Fractional Trading Notional, dollar-based trading capability that lets end users buy and sell fractional shares from a curated universe of stocks held within the platform's brokerage account.
• Crypto Investments Embedded digital-asset investing capability that allows end users to buy and hold cryptocurrencies and ETFs alongside traditional stocks, with blockchain-enabled transaction settlement via the partner FI integration.
• Brokerage Account Platform End-to-end brokerage account operated in partnership with Velox Clearing LLC (registered clearing firm), where customer funds and securities are held under SEC and FINRA regulations; accessible to consumers via partner FIs' digital banking channels.
• Platform API and Widget Modules Full API and configurable widget/web-application modules that allow financial institution engineering teams to embed Bits of Stock functionality directly within their own digital banking experiences.

Quantifiable outcome

• 50.6% increase in monthly spend for financial institutions using Stock Rewards (joint NYU study)
• +4 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• Old Glory BankcoreTechnology or Integration · 27 October 2025Old Glory Bank will integrate Bits of Stock's digital investment technology into its banking platform by early 2026. The collaboration enables customers to invest in stocks, digital assets, ETFs, and other securities with automated round-up investing, real-time settlement, and blockchain-enabled transactions.
• Velox Clearing LLCcoreTechnology or IntegrationVelox Clearing LLC serves as Bits of Stock's registered clearing firm for execution, clearing, and custody services. All customer funds and securities are held by Velox in accordance with SEC and FINRA regulations.
• Jack HenrycoreTechnology or IntegrationJack Henry is a banking technology provider serving credit unions and banks. Bits of Stock is integrated with the Jack Henry platform, enabling rapid deployment for their financial institution clients.
• Q2coreTechnology or IntegrationQ2 is a digital banking solutions provider. Bits of Stock is integrated with the Q2 platform, allowing Q2's financial institution clients to embed stock rewards and fractional investing.
• Lumin DigitalcoreTechnology or IntegrationLumin Digital is a digital banking platform. Bits of Stock is integrated with Lumin Digital, enabling their bank clients to offer stock rewards and investment features.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Acorns: Consumer micro-investing platform with round-ups and fractional share investing. Comparable to Bits of Stock's round-up and fractional trading features, though Acorns is consumer-direct while Bits of Stock is B2B2C through FIs.
• Stash: Fractional share investing platform targeting beginning investors with small recurring investments. Overlaps with Bits of Stock on fractional trading and stock rewards concepts; differs in consumer-direct vs FI-embedded distribution.
• Greenlight: Kids/teens investing and banking platform with custodial brokerage accounts. Comparable to Bits of Stock's fractional share and custodial-account features for younger demographics; also primarily consumer-direct.
• Current: Neobank offering card-linked rewards and saving/investing features aimed at younger consumers. Comparable in target demographic and rewards-driven engagement; differs in being consumer-direct vs FI-embedded.
• Step: Teens and family-focused banking platform with investing and card features. Overlaps with Bits of Stock's Gen Z/Millennial targeting and fractional investing for younger users; operates as a direct-to-consumer neobank.

Broad incumbents

• Treasury Prime: Banking-as-a-Service platform that enables fintechs and brands to embed banking products. Comparable to Bits of Stock's B2B2C embedded finance model for FIs, though focused on core banking rather than investment/rewards.
• Unit: Embedded finance platform providing banking and money-movement infrastructure to companies and FIs. Comparable to Bits of Stock in serving FIs with embedded financial products, though Unit's stack is broader and account-centric rather than investment-focused.
• Synctera: Banking-as-a-Service platform pairing fintechs with sponsor banks for embedded banking products. Comparable to Bits of Stock in serving the FI-embedded distribution channel for end-consumer financial features.
• Fidelity (Stock Rewards / Backer): Fidelity offers stock rewards programs and is a major custodian/clearing franchise. Comparable to Bits of Stock's stock rewards product and brokerage clearing layer; competes as a much larger incumbent with greater FI distribution leverage.

Emerging players

• Apex Fintech Solutions: Back-office clearing, custody, and digital infrastructure provider powering consumer investing apps. Comparable to Bits of Stock as an enabler behind FI and fintech-branded investing experiences, with overlap on clearing/custody and embedded investing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/bitsofstock

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bits of Stock