In today’s competitive fintech landscape, companies are constantly seeking new revenue streams and ways to deepen customer relationships. One proven strategy is expanding from payment services into investment offerings. This case study explores how PayGlobal, a leading cross-border payment fintech, successfully launched stock investing services using Bluum Finance’s brokerage-as-a-service platform.
The Challenge
PayGlobal had built a successful cross-border payment platform serving customers in 25 countries. However, they faced increasing pressure to diversify their revenue streams and provide more comprehensive financial services. Their customers were frequently asking about investment options, particularly in international markets where PayGlobal already had strong relationships.
The traditional approach of building investment infrastructure from scratch would have required:
- SEC licensing and compliance setup (12-18 months)
- Integration with multiple international exchanges
- Building trading, settlement, and custody systems
- Implementing risk management and compliance monitoring
- Developing customer-facing investment interfaces
The Solution: Brokerage-as-a-Service
PayGlobal partnered with Bluum Finance to leverage their comprehensive brokerage-as-a-service platform. This allowed them to:
- Rapid Market Entry: Launch investment services in just 30 days instead of 12-18 months
- Global Market Access: Offer stocks from exchanges in London (LSE), Japan (NIKKEI), Nigeria (NGX), South Africa (JSE), and Brazil (B3)
- Compliance Coverage: Leverage Bluum Finance’s SEC license and compliance framework
- API Integration: Seamlessly integrate investment services with their existing payment platform
Implementation Results
Within the first quarter of launch, PayGlobal achieved:
- 40% increase in customer engagement metrics
- $2.3M in new revenue from investment services
- 15,000+ customers actively using investment features
- 95% customer satisfaction rating for investment services
- Zero compliance issues thanks to Bluum Finance’s infrastructure
Key Success Factors
Seamless Integration: Bluum Finance’s API-first approach allowed PayGlobal to integrate investment services directly into their existing mobile app and web platform, creating a unified user experience.
Regulatory Expertise: By leveraging Bluum Finance’s SEC license and compliance framework, PayGlobal avoided the lengthy and expensive process of obtaining their own investment licenses.
Global Reach: Access to multiple international exchanges enabled PayGlobal to offer investment options that matched their customers’ geographic distribution and preferences.
Scalable Infrastructure: Bluum Finance’s institutional-grade platform handled PayGlobal’s rapid growth without performance issues or downtime.
Lessons Learned
- Partner Selection Matters: Choosing a provider with proven infrastructure and regulatory expertise is crucial for success
- API-First Approach: Modern fintechs should prioritize API-driven solutions for faster integration and better user experiences
- Compliance is Critical: Working with a licensed partner eliminates regulatory risks and accelerates time-to-market
- Customer-Centric Design: Integrating investment services into existing user flows increases adoption rates
At Bluum Finance, we understand the challenges fintechs face when expanding into investment services. Our brokerage-as-a-service platform provides the infrastructure, compliance, and global market access needed to launch investment products quickly and successfully.
Ready to expand your fintech platform with investment services? Contact us today to learn how Bluum Finance can help you launch your investment offering in just 30 days.