Put investing into a new context
Innovate new investment use cases by integrating investing into your customer journey with ease.
While we take care of all the technical, operational and regulatory hustle in the back.
Offer investing in Stocks & ETFs to your customers
lemon.markets supports a wide-range of contextual brokerage use cases. We love to partner with financial services and technology companies that aim to offer new investing products or improve their existing ones. Following a clear process we help companies to go from idea to launch in just a few months. Our experts will support you from designing the customer journey, to figuring out the right pricing and building the implementation roadmap.
Enable investments of tax refunds
Enable your customers to invest their tax refund in their future. Knowing their financial situation inside out, you can be a trusted guide on their journey to financial freedom. Help customers understand capital gains taxes and tax allowances for them and their families. Increasing stickiness of your core product and allowing for better monetization down the road by offering an investment product.
Let your customers deposits grow
Don't let your customer's deposits sit idle in a checking account for years. Differentiate yourself from competition by offering your customers the opportunity to invest their deposits. Based on different portfolios your customer can either hedge against inflation or choose a more equity heavy strategy that has the potential of long-term returns. Stand out from the crowd and offer your customers a smart investment option that can help them grow their wealth.
Take customer loyalty to a new level
In today's competitive market, loyalty programs need to be more than just offering points. Turn your loyalty program into an investment proposition, and offer your customers to build a portfolio as a reward for their long-time loyalty. Let your customers not only feel like part of your brand, but actually make them brand owners! By providing investment options that allow users to invest in their favourite brands, you can align your interest with your users and incentivize them to remain brand advocates in the future. Create a more valuable and loyal customer base, while also providing a more holistic and rewarding experience.
Create long-term value for your employees
As an expert in payroll and employee benefits, you have the ability to offer more than just timely payments and basic benefits. Imagine being able to ease the stress your customers feel about saving for a home, achieving their personal aspirations, or planning for their future retirement. By offering customised investment solutions tailored to each individual's unique life situation, you have the opportunity to go above and beyond for your customers by addressing their larger financial concerns. With your expertise, you can empower employees to take control of their financial future and achieve their goals, no matter what they may be.
Do you see the next big investment opportunity?
Do you have an innovative idea in mind that has the potential to change the way how people are investing? Explore the different routes you can take to solve your customer's problem and help them build long-term wealth to reach their goals by allowing them to invest right within your product. Launch an investment experience to address certain demographics that you believe are still underrepresented in the capital market. Or offer a new investment product that better represents the interests of your target audience. Without the need to build the backend yourself, you can truly focus on the customer.
One infrastructure to give you all the building blocks along your customer journey
End-to-end digital onboarding for your new customers with comprehensive KYC and security checks (PEP/Sanction Screening & Risk checks). Already have KYC’ed customers? No worries - we support KYC-sharing, so your customers don’t have to start another authentication process.
Your customers will receive a German IBAN that supports different pay-in methods and flexible pay-outs. Deposits are ensured for each cash account of up to €100,000. You already provide your customers with a cash account? No worries - we can integrate into your platform and operate modular around your existing setup.
Offer a wide range of Stocks and ETFs. Supporting multiple order types like direct execution, block orders and savings plans to accommodate any investing behaviour. Orders are routed to an exchange or the issuer directly to ensure best execution. All regulatory required price and cost information is provided before an order is executed.
Settlement & Custody
We provide the mandatory custody services to ensure the safekeeping and administration of your customers' securities accounts. With us, all corporate actions are taken care of with diligence and precision, such as ensuring timely and accurate dividend payments, managing stock splits and mergers, and handling shareholder voting.
Taxation & Reporting
Our comprehensive tax and reporting services include the automatic calculation and deduction of settlement and withholding tax, making it easier for you and your customers to stay compliant with tax regulations. Creation of needed tax documents for your customers included, and reporting all relevant information to the financial authorities.
Global asset coverage across Stocks and ETFs from inception
At the core of lemon.markets infrastructure are the most requested investment products. Routing orders to regulated exchanges and issuers. Aiming to provide fair prices and tight spreads for your customers execution. Extended market hours come along naturally to provide access, when it is most wanted.
Find the right setup with our regulatory & compliance experts
- Cooperation Model
- Tied Agent Model
Every customer experience is different and triggers other regulatory procedures. Together with our experts, we will examine your existing assets and the desired customer experience for the best regulatory setup. Establishing the right model for our partnership to ensure that all compliance standards are met. If you are already under regulatory oversight, we will establish a mutual cooperation to ensure outsourcing, AFC and compliance standards are met. If you are not under regulatory oversight, we can offer you to become a tied agent and carry out the regulatory responsibility together.
Responsible for customer relationship and continuous business operations
Responsible for onboarding, client money, provision of trading, settlement services and custody
Offering an investment product finally becomes easy
Use the lemon.markets API to launch a customer-centric and compliant investment product. Our mission is to create better opportunities to invest in the stock market, ultimately empowering customers to take care of their financial wellbeing. Guiding our partners through all operational, technical and regulatory challenges along the way towards a successful launch.
Partner with us
Use the lemon.markets API to launch a customer-centric and compliant investment product.