P3 Wealth

What P3 Wealth does

P3 Wealth Ltd. is a London-based, FCA-authorized (FRN 806934) fintech, registered in England & Wales (company number 09657102), operating with a 1-10 person team. The company runs a treasury management platform that gives eligible financial institutions and corporates a single entry point to professionally managed money market funds for their idle or safeguarded cash balances.

The core product is a distribution and onboarding layer sitting on top of institutional fund inventory and custody. Through a partnership with BlackRock (over $9 trillion AUM), P3 Wealth offers access to money market funds in USD, GBP and EUR, and uses JPMorgan as custodian. The architecture is therefore a regulated, partner-orchestrated platform rather than a proprietary trading or asset-management engine: the firm's value-add is eligibility, onboarding, and operational integration for clients — primarily electronic money institutions and corporates — that need to place safeguarded or treasury cash into short-duration, professionally managed vehicles.

The business model is built around platform access to partner funds, with monetization likely a function of placement fees, platform fees, or spread on assets under management directed into BlackRock MMFs. The go-to-market targets EMIs and corporates holding idle or safeguarded balances, addressing what the company describes as a EUR 1.75 billion opportunity. No customer logos, AUM figures, or revenue figures are disclosed in the available data, and there are no funding rounds, acquisitions, or leadership changes on record; commercial traction remains to be demonstrated post the March 2024 platform launch.

Name

P3 Wealth

Legal name

P3 Wealth Ltd.

Website

https://p3wealth.co

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

P3 Wealth is a London-based, FCA-regulated fintech platform that enables EMIs and corporates to place idle or safeguarded cash into BlackRock money market funds via JPMorgan custody, across USD, GBP and EUR.

Ownership category

akta.pro rank

Product category

Treasury Management & Safeguarding

NAICS

Other Investment Pools and Funds (5259)

SIC

Finance Services (6199)

akta.pro primary industry

High-Net-Worth & Private Wealth Digital Platforms (Digital Private Banking) (FSAGAEAI)

Keywords

• Treasury management platform
• Safeguarding account services
• Money market funds
• Corporate cash management
• EMI treasury solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Safeguarding Account Management Fees: EMIs pay monthly fees for safeguarding accounts managed through the platform. The platform enables these institutions to generate revenue from previously idle safeguarding funds by investing in BlackRock money market funds.
2. Platform Transaction Fees: Fees from automated dealing (subscriptions and redemptions) in money market funds. Fee structure is transparent and based on earnings rather than balances held.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

P3 Wealth provides an end-to-end treasury management and safeguarding platform that enables financial institutions (EMIs) and corporates to invest idle safeguarding and corporate cash into professionally managed money market funds. The platform combines digital onboarding, automated subscription/redemption, and daily reporting, and is delivered in partnership with BlackRock and JPMorgan (custodian), offering access to liquid (T+0 settlement) USD, GBP, and EUR money market funds for professional clients only.

Product overview

P3 Wealth is a unified platform offering treasury management and safeguarding account services in partnership with BlackRock. The core P3 Wealth Platform provides digital onboarding, daily reporting, analytics, and automated dealing for money market fund subscriptions/redemptions, while the BlackRock ICS Money Market Funds product delivers access to professionally managed, liquid funds across USD, GBP, and EUR currencies with same-day settlement.

Differentiator

Problem solved

Functional benefit

Products and services

• P3 Wealth Treasury Management Platform End-to-end cloud-based treasury management platform providing safeguarding account management, automated subscription/redemption dealing, and daily reporting on balances, transactions, earnings, yields, and risk metrics for financial institutions (EMIs) and corporates.
• BlackRock ICS Money Market Funds Access Access to BlackRock's professionally managed, liquid (T+0 settlement) ICS money market funds denominated in USD, GBP, and EUR, delivered through the P3 Wealth platform for eligible financial institutions and professional corporate clients, with JPMorgan acting as segregated custodian.
• Safeguarding Account Management Service Monthly recurring service enabling EMIs and corporates to maintain client safeguarding accounts held in the client entity's name, with assets segregated from BlackRock and JPMorgan (custodian), providing liquidity and yield generation through BlackRock money market funds.

Quantifiable outcome

• Yield rates: USD 5.24%, GBP 5.10%, EUR 3.84% (as of March 2024)
• +2 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• BlackRockcoreStrategic or Co-development PartnerP3 Wealth partners with BlackRock to offer eligible financial institutions and corporates access to professionally managed, liquid (T+0 settlement) and transparent money market funds. BlackRock boasts over $9 trillion in assets and is globally known and trusted within the money market space. The client safeguarding account managed by BlackRock is held in the client entity's name, with assets segregated from BlackRock and custodian JPM.
• JPMorgan (JPM)coreTechnology or IntegrationJPMorgan serves as the custodian for client safeguarding accounts managed through the BlackRock money market funds. Assets are segregated from both BlackRock and JPMorgan, ensuring proper client fund protection.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Currencycloud: UK-based fintech infrastructure provider (now part of Visa) focused on cross-border payments and account services for financial institutions and EMIs. Overlaps with P3 Wealth's regulated-fintech distribution focus.
• ClearBank: UK clearing bank built for fintechs, EMIs, and payments firms. Competes directly for the safeguarding and treasury infrastructure wallet of the same regulated UK/EU client segment.
• Trovata: Cloud-based B2B treasury management platform for corporates with cash aggregation, forecasting, and investment workflows. Direct comparable for the corporate treasury use case P3 Wealth targets.
• Modulr: UK payments and banking-as-a-service platform serving EMIs and corporates. Competes for the same client relationships around embedded accounts and treasury workflows.
• Griffin: UK-based full-stack Banking-as-a-Service provider for fintechs and EMIs. Targets the same regulated financial institution customer base and offers similar safeguarding-adjacent banking infrastructure under FCA authorisation.

Broad incumbents

• GTreasury: Long-standing corporate treasury management platform. Competes for the corporate treasury wallet that P3 Wealth is targeting as a secondary segment.
• BlackRock Cash Management: BlackRock's own institutional cash and money market fund franchise. Currently the product P3 Wealth distributes; if BlackRock chose to bypass intermediaries, it would compete directly with P3 Wealth's channel.
• Kyriba: Established enterprise treasury management software vendor. Addresses the same corporate treasury use case at larger scale and with broader functionality than P3 Wealth's current scope.
• JPMorgan Liquidity Solutions: Global custodian and money market fund provider (current custodian on P3 Wealth's platform). Could disintermediate P3 Wealth by offering integrated safeguarding plus liquidity products to the same client base.

Emerging players

• Swan: European Banking-as-a-Service provider for fintechs. Serves an overlapping customer base of regulated financial institutions and embedded-finance startups across the EU.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/p3wealth

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 P3 Wealth