OneDigitalTrust, Inc.

What OneDigitalTrust, Inc. does

OneDigitalTrust, Inc. is a B2B SaaS company founded in 2019 and headquartered in McLean, Virginia, that operates a white-label digital estate and legacy planning platform. Its core product enables end customers of financial institutions to create and maintain legally-valid wills, trusts, powers of attorney, and beneficiary designations, supported by a Financial Advisor Portal for advisor-led engagement and a Smart Document Vault for secure storage and sharing. The platform runs on AWS partner infrastructure with SOC 2 Type 2 compliance (achieved 2024), data encryption, and APIs for integration with bank, brokerage, and retirement accounts.

The company serves credit unions, banks, insurance carriers, and wealth advisory firms through a B2B2C go-to-market model in which financial institutions white-label the platform under their own brand for distribution to members, policyholders, and clients. Revenue is generated through subscription-based wholesale platform licensing on multi-year contracts, with bulk pricing designed to enable partner institutions to offer affordable estate planning as a value-added service and incremental non-interest income stream. Named customers and partner logos include TruStage Preplanning Solutions, Fringe, My Legacy Items LLC, and integrations with core banking and account-aggregation providers such as Finicity/Mastercard, Temenos, Jack Henry, and Q2.

OneDigitalTrust is venture-backed, having closed a Series Seed round in November 2021 led by VentureSouth with co-investment from Virginia's CIT GAP Funds, RTP Capital, Portfolia, and Tysons Angels. Leadership comprises co-founder and CEO Sonny Kapoor and co-founder and Chief Product Officer Rocky Mehta, supported by CFO Jim Marshall, CTO Darin Rogers, a Partner Success Lead, a Sr. Growth Executive, and engineering staff. The team has approximately 13 members and operates across the United States with stated intent to deliver the platform to financial institutions in all 50 states and Washington DC.

Name

OneDigitalTrust, Inc.

Legal name

OneDigitalTrust, Inc.

Website

https://onedigitaltrust.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

OneDigitalTrust is a B2B SaaS company providing white-label digital estate and legacy planning software to financial institutions, including credit unions, banks, insurance carriers, and wealth advisors, enabling their end customers to create legally-valid wills and trusts.

Ownership category

akta.pro rank

Product category

Estate Planning Software

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE)

akta.pro secondary industries

Private Client/High-Net-Worth Advisory (FSAEAAAN), Private Client Custody & Brokerage (Execution, Reporting, Safekeeping) (FSAAABAN), Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)

Keywords

• Estate planning software
• Legacy planning platform
• Wealth management tools
• Financial advisor portal
• White-label fintech

Headquarters

HQ city

Mclean

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. B2B SaaS Platform Licensing: OneDigitalTrust provides white-label estate planning software to financial institutions (credit unions, banks, insurance companies, wealth management firms) on a subscription basis. Financial institutions then offer the platform to their end customers and employees.
2. Bulk Purchase for Institutional Customers: Financial institutions purchase the platform in bulk to offer to their customers and employees, with pricing structured for affordability and accessibility.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

OneDigitalTrust provides a white-label SaaS estate and inheritance planning platform that financial institutions deploy under their own brand so end customers can create and maintain legally valid wills, trusts, powers of attorney, and beneficiary designations. The platform is augmented by a Financial Advisor Portal for guided client engagement, a Smart Document Vault for secure document storage and sharing, and custom API integrations with bank, brokerage, and retirement accounts. Pricing is structured as wholesale institutional subscriptions, enabling partners to offer affordable mass-market estate planning as a value-added service.

Product overview

OneDigitalTrust offers a B2B2C digital estate planning platform designed for financial institutions, credit unions, banks, insurance companies, and wealth advisory firms to white-label and offer to their customers. The core platform provides estate and inheritance planning capabilities, complemented by the Financial Advisor Portal for advisor-client engagement and the Smart Document Vault for secure document management and sharing. The company positions itself as an "always on" solution enabling institutions to offer affordable, digitally-accessible estate planning as a value-added service to build customer loyalty and generate non-interest income.

Differentiator

Problem solved

Functional benefit

Products and services

• OneDigitalTrust Platform Private-label digital estate and inheritance planning software for financial institutions and advisory firms that enables end-customers to create and maintain legally-valid wills, trusts, powers of attorney, and beneficiary designations under the partner's own brand.
• Financial Advisor Portal Advisor-branded portal that gives financial advisors tools to guide clients through estate planning, with real-time visibility into client plans, just-in-time alerts, and vetted guidance to share with clients.
• Smart Document Vault Secure digital document storage and sharing capability within the OneDigitalTrust platform that allows users to store, manage, and share estate planning documents, wills, trusts, and critical files with beneficiaries, executors, and trusted individuals.

Quantifiable outcome

• 65%+ of American adults lack estate plans, representing a significant market opportunity for financial institutions to capture underserved demand.

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Partnerships

Two partnerships are on record, tiered core.

• Beneficiary Liquidity Plan (BLP)coreStrategic or Co-development Partner · 1 August 2024Strategic partnership and integration of the Beneficiary Liquidity Plan (BLP) with the OneDigitalTrust platform, creating embedded digital capability for surviving family members to access funds for end-of-life expenses while waiting for death certificates.
• AWScoreTechnology or IntegrationAWS partner relationship providing cloud infrastructure for the OneDigitalTrust platform. AWS partnership enables enterprise scalability and reliable network performance.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Everplans: Digital end-of-life planning platform for storing wills, directives, and key information. Comparable to OneDigitalTrust's Smart Document Vault and broader estate planning workflow.
• Trust & Will: Digital estate planning platform offering wills, trusts, and related planning online. Direct overlap with OneDigitalTrust's core product, though Trust & Will skews more direct-to-consumer while OneDigitalTrust is white-label B2B2C.
• Wealth.com: Estate planning platform purpose-built for financial advisors, similar to OneDigitalTrust's Financial Advisor Portal. Both sell software into wealth management firms to enable client-facing estate plans.
• Vanilla: Estate planning software for financial advisors with white-label capabilities comparable to OneDigitalTrust's offering. Targets RIAs and wealth firms for client estate plan delivery.
• FreeWill: Digital will and estate planning platform with a strong B2B channel through nonprofits and financial institutions. Overlaps with OneDigitalTrust's white-label FI distribution model.
• Snug: Online estate planning service offering wills, trusts, and生前 arrangement tools. Competes with OneDigitalTrust on consumer-facing plan creation while also exploring partner channels.
• Compliable: Estate planning software for financial advisors and institutions, providing will/trust automation similar to OneDigitalTrust's advisor-facing module.

Broad incumbents

• LegalZoom: Large incumbent legal services platform offering wills, trusts, and business formation. Competes in the same end-customer estate planning category but as part of a much broader legal services portfolio.
• Rocket Lawyer: Broad online legal services platform with will/trust creation capabilities. Overlaps with OneDigitalTrust's core estate planning features but operates a general-purpose legal subscription model.

Emerging players

• WealthTab (Vestwell): Financial wellness and advisory technology provider that has expanded into adjacent estate/legacy planning workflows for retirement-focused advisors, partially overlapping with OneDigitalTrust's wealth advisory use case.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/SonnyKapoor_ODT
• LinkedInlinkedin.com/company/onedigitaltrust

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds2 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 OneDigitalTrust, Inc.