CryptoFi
CryptoFi (operating as InvestiFi) is a B2B fintech that enables US banks and credit unions to offer integrated digital investing—stocks, ETFs, crypto, stablecoins, and robo-advisory—directly within their existing online banking platforms via a direct-from-checking funds flow.
- Company typePrivate
- Founded2020
- HeadquartersDover, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What CryptoFi does
CryptoFi (operating commercially as InvestiFi) is a US-based B2B fintech that provides a white-label digital investing platform to banks and credit unions. The platform is embedded directly into the financial institution's existing digital banking experience and offers four product modules: self-directed trading in 6,500+ stocks and ETFs, cryptocurrency trading across 20+ coins (including stablecoins), a robo-advisor ('Guided Investing') with portfolios aligned to risk tolerance starting at a $20 minimum, and standalone stablecoin access (USDC/USDT) with an Auto Conversion Flow. The platform's distinguishing technical feature is a direct-from-checking funds flow that lets account holders buy and sell investments without moving deposits to external brokerages—an architecture explicitly designed to address deposit outflow to apps such as Robinhood.
The company operates its regulated activities through wholly-owned subsidiaries: AdvisiFi, LLC (SEC-registered investment adviser) and InvestiFi Securities LLC (SEC-registered broker-dealer, FINRA/SIPC member), with RQD Clearing LLC as clearing partner. The platform is SOC 2 Type II certified, ADA compliant (AA rating via accessiBe), and stores data in US-based data centers with encryption at rest and in transit. CryptoFi/InvestiFi is privately held, incorporated in Delaware, headquartered at 8 The Green, Suite 7529, Dover, Delaware, and operates with 11–50 employees.
The revenue model combines transaction fees (crypto and securities) and AUM-based fees on Guided Investing portfolios. The platform is structured so that financial institutions retain 100% of crypto transaction fees as a non-interest revenue stream, with CryptoFi/InvestiFi monetizing through its broader platform economics. The customer base consists of US community banks and credit unions—including MidMinnesota, Sunstate Bank, Truity, WeStreet Credit Union, Frankenmuth Credit Union, United Financial Credit Union, Bluestone Federal Credit Union, and others—targeted via a direct enterprise sales motion with a B2B2C distribution model. In 2025 the company won Best of Show at the GAC (Government Accountability Conference).
CryptoFi firmographics
Firmographics- Name
- CryptoFi
- Legal name
- InvestiFi, Inc.
- Website
- https://cryptofi.tech
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CryptoFi (operating as InvestiFi) is a B2B fintech that enables US banks and credit unions to offer integrated digital investing—stocks, ETFs, crypto, stablecoins, and robo-advisory—directly within their existing online banking platforms via a direct-from-checking funds flow.
- Ownership category
- akta.pro rank
CryptoFi industry classification
Industry- Product category
- Embedded Investing Platform
- NAICS
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
Keywords
Where CryptoFi is headquartered
LocationHeadquarters
- HQ city
- Dover
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CryptoFi business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Crypto Transaction Fees: Financial institutions keep 100% of crypto transaction fees, generating non-interest revenue stream
- AUM Fees (Guided Investing): Robo-advisor solution generates AUM-based fees where financial institutions charge and keep management fees
- Brokerage Services: Securities brokerage services through registered broker-dealer subsidiaries InvestiFi Securities LLC and RQD Clearing LLC
- Investment Advisory: Investment advisory services through AdvisiFi, LLC (SEC-registered investment adviser, wholly-owned subsidiary)
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Guided Investing starting at $20 minimum investment |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
CryptoFi product offering
Product offeringCore offering
CryptoFi provides an embedded digital investing platform that financial institutions integrate into their existing online banking experience. The platform enables account holders to trade Stocks & ETFs (6,500+ securities), cryptocurrencies (20+ coins including stablecoins), and access a robo-advisor (Guided Investing) with a $20 minimum investment. The platform's distinctive feature is a direct-from-checking funds flow that allows investments without moving money outside the institution, helping banks and credit unions retain deposits and generate non-interest revenue.
Product overview
InvestiFi offers a unified digital investing platform for financial institutions with four integrated product modules: Stocks & ETFs (6,500+ securities), Crypto (20+ digital coins including stablecoins), Guided Investing (robo-advisor with $20 minimum), and Standalone Stablecoins. The platform's unique value proposition is enabling users to invest directly from their checking account, keeping deposits within the financial institution's ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- AdvisiFi: SEC-registered investment adviser subsidiary of InvestiFi providing investment advisory services
Products and services
- Stocks & ETFs
Quantifiable outcome
- Financial institutions keep 100% of crypto transaction fees
- +3 more outcomes
Companies that use CryptoFi
Customer profileNamed customers18 records
Segments1 record
Ideal customer profiles1 record
CryptoFi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
CryptoFi partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- AdvisiFi, LLCcoreWholly-owned subsidiary of InvestiFi Inc. Provides SEC-registered investment advisory services as part of InvestiFi's integrated investing platform. Handles investment advisory component of the product suite.
- InvestiFi Securities LLCcoreSEC-registered broker-dealer and FINRA/SIPC member. Provides brokerage services for securities investing. Available only to US residents in jurisdictions where registered.
- RQD Clearing LLCcoreRQD is an SEC-registered broker-dealer and member of FINRA/SIPC. Clears securities trades as the clearing provider for InvestiFi Securities.
- Digital Banking Platform PartnerscoreDigital banking platforms that integrate InvestiFi's investing solutions. Quotes reference integration into 'most of the digital banking platforms', enabling seamless embedded investing experience.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
CryptoFi competitors and assessment
Company assessmentDirect peers
- Alpaca: Brokerage-as-a-service API enabling fintechs and FIs to embed self-directed trading, including crypto; competes head-to-head with InvestiFi's self-directed securities and crypto rails integrated into digital banking.
- Zero Hash: Crypto-as-a-service infrastructure for banks, fintechs and broker-dealers; provides regulated custody, trading, and stablecoin rails that financial institutions embed into their own products — directly parallel to InvestiFi's CaaS offering for credit unions and community banks.
- DriveWealth: Embedded investing infrastructure that powers brokerage, ETF and fractional trading for banks and fintechs; a direct competitor to InvestiFi's Stocks & ETFs and guided-investing modules sold through FI digital banking platforms.
- Apex Fintech Solutions: Clearing, brokerage and custody infrastructure for fintech and embedded-investing platforms; competes with the combined InvestiFi Securities + RQD Clearing stack that powers InvestiFi's broker-dealer offering.
- Bakkt: Institutional digital-asset platform providing crypto trading, custody and stablecoin services to banks and consumer brands; competes with InvestiFi's Crypto and Stablecoin modules for the same institutional FI buyer.
Broad incumbents
- SoFi: Digital bank combining checking, investing, lending and crypto in a single consumer app; competes with the end-user experience InvestiFi enables inside FI digital banking and pulls members out of credit unions.
- Robinhood: Consumer investing and crypto platform that is the primary 'external app' FIs are trying to keep deposits away from; defines the competitive gravity that drives FIs to adopt embedded platforms like InvestiFi.
- Coinbase Prime: Institutional arm of Coinbase offering custody, trading and staking to financial institutions; a much larger incumbent that FIs may evaluate alongside InvestiFi for the crypto module specifically.
Emerging players
- BitGo: Institutional digital-asset custody, trading and lending; overlaps with the crypto and stablecoin components of InvestiFi's platform and is often on FI shortlists for crypto infrastructure.
Others
- Plaid: Financial data connectivity layer that links bank accounts to fintech applications; an ecosystem enabler that could either compete with or complement InvestiFi's direct-from-checking funds flow depending on bank partnership structure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
CryptoFi social profiles
Digital presenceCryptoFi compliance and trust
Trust signalCompliance2 records
CryptoFi financial estimates
Financial estimateRevenue estimate
Valuation estimate
CryptoFi leadership team
Management profileNumber of profiles
Profiles4 records
CryptoFi subsidiaries and ownership
Company hierarchySubsidiaries2 records
CryptoFi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CryptoFi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CryptoFi
What does CryptoFi do?
CryptoFi provides an embedded digital investing platform that financial institutions integrate into their existing online banking experience. The platform enables account holders to trade Stocks & ETFs (6,500+ securities), cryptocurrencies (20+ coins including stablecoins), and access a robo-advisor (Guided Investing) with a $20 minimum investment. The platform's distinctive feature is a direct-from-checking funds flow that allows investments without moving money outside the institution, helping banks and credit unions retain deposits and generate non-interest revenue.
Is CryptoFi a public or private company?
CryptoFi is a private company. It is classified as unknown and is currently operating.
When was CryptoFi founded?
CryptoFi was founded in 2020. It employs 11 to 50 people.
Where is CryptoFi based?
CryptoFi is headquartered in Dover, United States, in the North America region.
How does CryptoFi make money?
Four revenue lines are on record. Crypto Transaction Fees are the primary driver. The others are AUM Fees (Guided Investing), brokerage Services and investment Advisory.
Who are CryptoFi's main competitors?
Direct peers on record are Alpaca, Zero Hash, DriveWealth, Apex Fintech Solutions and Bakkt. Broad incumbents are SoFi, Robinhood and Coinbase Prime. BitGo is listed as an emerging player. Plaid is listed as an others.
Does CryptoFi have an API?
No public API is recorded for CryptoFi.
What industry is CryptoFi in?
CryptoFi's product category is Embedded Investing Platform. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 523 and its SIC code is 6200.