The accessibility of third-party B2B services through APIs and mobile app frameworks has revolutionised product development. Launching a fintech product no longer requires a company to build its entire technology stack from scratch. Instead, significant portions of the backend and user experience can be crafted with modular services, enabling startups to focus on strategy, differentiation, and user-centric innovation.
One fintech making the most of this modular approach is our friends at Stratiphy. This UK-based investing app combines sophisticated algorithms with accessible investing strategies, empowering users to create personalised investment portfolios tailored to their goals.
So, what makes Stratiphy’s digital experience stand out? Let’s dive into how it leverages third-party services to power its feature-rich app.
Investing App Foundations
Stratiphy’s tech stack provides a robust foundation for its product, built on widely adopted tools and frameworks:
- Python Backend: Stratiphy’s backend leverages Python, a flexible and robust programming language widely used for fintech applications. Its scalability and extensive libraries allow rapid development and efficient data handling.
- React Native for iOS and Android App: By using React Native, Stratiphy ensures a seamless and high-performing app, streamlining updates and enhancing user experience with a single codebase.
- Firebase for Analytics and Push Notifications: Firebase provides insights into user behaviour, app performance, and targeted engagement with push notifications, helping Stratiphy refine its offering in real-time.
- AWS Server Hosting: Stratiphy relies on Amazon Web Services (AWS) for reliable, scalable, and secure hosting of its app and data infrastructure.
- iOS App & Google Play Store Hosting: Hosting on the App Stores ensures accessibility to Stratiphy’s target audience, with distribution and visibility among millions of potential users.
- Slack for Communication and Monitoring: Slack serves as a central hub for team communication, event logging, and issue identification. Slack enables real-time alerts and seamless collaboration, ensuring swift resolution of potential issues and fostering operational efficiency.
Third-Party Integrations
FactSet for Market Data
FactSet is a leading provider of market data, serving over 170,000 business users globally, including asset managers and investment professionals. Their offerings include detailed stock performance metrics, historical data, and real-time market insights. FactSet’s robust APIs ensure seamless data integration, allowing businesses to incorporate high-quality financial information into their workflows with ease.
Stratiphy leverages FactSet’s APIs to enhance its platform with extensive stock performance metrics and historical data. This integration provides users with reliable and actionable market information, enabling informed investment decisions and elevating the app’s overall value proposition.
SendGrid for Email Messaging
SendGrid, a Twilio service, powers scalable and reliable email messaging for over 100,000 businesses, including Uber, Airbnb, and Spotify, delivering more than 148 billion emails monthly. It supports transactional and marketing emails with advanced features like dynamic templating, analytics, and industry-leading deliverability. Integration is simple via RESTful APIs or SMTP relay, with robust documentation and multi-language support.
Stratiphy uses SendGrid to manage its email communications, sending personalised updates, investment summaries, and user engagement emails. This ensures high-quality messaging at scale, keeping users informed and engaged while building trust through seamless and professional email interactions.
Moneyhub for Cash Management
Moneyhub is a Bristol-based financial technology company that provides open banking and open finance solutions, enabling businesses to aggregate financial data and facilitate payments through secure APIs. Collaborating with institutions like Nationwide and Lloyds Banking Group, Moneyhub connects to thousands of financial institutions across 37 countries, offering comprehensive data insights and payment services. Integration with Moneyhub involves connecting to their API platform and adhering to open banking standards, allowing for seamless incorporation into existing systems.
Stratiphy utilises Moneyhub’s open banking framework to enable users to deposit and withdraw funds effortlessly. This integration ensures smooth, compliant transactions, providing users with transparency and confidence in managing their investments. By leveraging Moneyhub’s extensive financial data connections, Stratiphy enhances its service offerings, aligning with regulatory standards and delivering a seamless user experience.
Cboe for Stock Prices and Market Data
Cboe Global Markets is a leading provider of market infrastructure and tradable products, offering real-time stock prices and comprehensive market data through its LiveVol Market at a Glance API. This service delivers up-to-date quotes, OHLC prices, and volume summaries, empowering traders and investors with accurate financial information. Integration is facilitated via RESTful APIs, allowing seamless access to essential market data.
Stratiphy relies on Cboe’s real-time data to provide users with current stock prices and market insights, enabling informed investment decisions. By integrating Cboe’s data feeds, Stratiphy ensures that its users have access to reliable and timely financial information, enhancing the overall investing experience.
WealthKernel for Trading Transactions
WealthKernel is a London-based investment infrastructure provider offering comprehensive APIs for digital wealth management solutions. Their services encompass user onboarding, brokerage, trading, portfolio management, rebalancing, fractional shares, and custody, enabling businesses to launch and scale investment products efficiently. Integration with WealthKernel involves connecting to their API suite, which is designed to be developer-friendly, allowing for seamless incorporation into existing platforms.
Stratiphy utilises WealthKernel’s APIs to facilitate all trading transactions within its app. This integration ensures smooth execution of trades, enabling Stratiphy to offer a comprehensive investing experience without the need to build brokerage capabilities in-house. By leveraging WealthKernel’s scalable infrastructure, Stratiphy can focus on enhancing user experience and expanding its service offerings.
Intercom for Customer Support
Intercom is a customer messaging platform that enables businesses to engage with their customers through in-app chat, email, and automated messaging. Trusted by companies like Shopify and Atlassian, Intercom enhances user engagement and support by providing a unified communication interface. Integration involves embedding Intercom’s Messenger into the app or website and configuring workflows through their platform.
Stratiphy utilises Intercom to interact with users directly within the app, ensuring quick resolution of queries and building user trust. By integrating Intercom’s Messenger, Stratiphy’s customer support team can provide timely assistance, enhancing the overall user experience.
Discourse for Community Engagement
Discourse is an open-source discussion platform that fosters community engagement through modern forum features, including real-time notifications, dynamic threading, and robust moderation tools. Trusted by organisations such as Mozilla and Patreon, Discourse powers over 20,000 online communities, facilitating civilized discussions and user retention. Integration involves setting up Discourse forums and embedding them within an app or website, providing a seamless user experience.
Stratiphy utilises Discourse to host its “Stratonauts” community, offering users a dedicated space to share investment strategies, ask questions, and engage with the broader audience. This platform fosters loyalty and enhances user retention by encouraging active participation and knowledge exchange among members.
🍝🔥 Stratiphy’s Secret Sauce
With APIs lowering entry barriers like never before, fintech brands must find innovative ways to differentiate themselves. Stratiphy distinguishes itself by simplifying investing for beginners while still offering the depth required by seasoned investors. Its personalised portfolio recommendations, driven by AI and enriched with third-party data, deliver a bespoke user experience. Additionally, by leveraging modular services, Stratiphy prioritises building trust, transparency, and a distinctive brand ethos rather than reinventing the wheel.
The Competitive Shift
This evolution in app development shifts the competitive landscape. Competitor intelligence must now extend beyond features and functionality to examine:
- User experience (UX): How well an app meets its target audience’s expectations.
- Partnerships: The quality and integration of third-party APIs.
- Brand strategy: Differentiation through unique value propositions, such as sustainability, transparency, or community.
As Stratiphy shows, it’s not just about having a polished product—it’s about executing a compelling strategy that resonates with users and stands out in a crowded marketplace.
