Robo-Advisory Platform
Robo-advisory platforms with risk profiling, model portfolios, automated rebalancing, goal tracking and tax-aware features.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Division
Service area
Investment & Wealth Technology
Engagement
Project · Team · Managed
Overview
Robo-advisors automate portfolio management for many clients at low cost: risk profiling, model portfolio allocation, automated rebalancing, dividend reinvestment and goal tracking. We build robo-advisory platforms for wealth managers, banks and fintechs, with transparent logic, full audit trails and integration with custodians and execution partners.
Common use cases
- Digital wealth brandAutomated investing for mass-market clients.
- Bank robo-adviceInvesting added to banking apps.
- Workplace investingEmployee savings and investment programs.
- Goal-based investingPortfolios aligned to life goals.
Quick answers
Robo-Advisory Platform at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is robo-advisory platform?
- Robo-advisory platforms with risk profiling, model portfolios, automated rebalancing, goal tracking and tax-aware features.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Risk profiling
- Model portfolios
- Automated rebalancing
- Goal tracking
- Tax-aware logic
- Audit trails
- Which technologies are used?
- Java, Python, Apache Kafka, PostgreSQL, ClickHouse, React — chosen to fit your stack and constraints.
- How does the process work?
- Proposition design → Portfolio engine → Trading integration → Investor experience → Operations.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Risk profiling
Questionnaires and scoring configured by the firm.
Model portfolios
Allocation models and mapping to risk profiles.
Automated rebalancing
Threshold and calendar rebalancing.
Goal tracking
Progress and projections.
Tax-aware logic
Lot selection and harvesting logic where applicable.
Audit trails
Record of recommendations and actions.
Architecture
Engineered right from day one
The layers we typically design for investment & wealth technology, adapted to your stack and partners.
- Data accuracyPositions reconciled daily against custodian records.
- Market data licensingDisplay and redistribution rules respected by design.
- Suitability workflowsRisk profiling and suitability checks captured with audit trails.
- Performance at openOrder and data systems sized for market-open spikes.
Delivery
How an engagement runs
- 1
Proposition design
Target investors, products, advice model and partner custodians and brokers.
- 2
Portfolio engine
Positions, valuations, performance and fee calculation.
- 3
Trading integration
Order flows, execution partners and reconciliation.
- 4
Investor experience
Onboarding, dashboards, reporting and notifications.
- 5
Operations
Back-office, corporate actions and statement generation.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Related services
Often combined with
Wealth Management Platform
Wealth management platforms for advisors and clients — portfolios, planning, reporting, onboarding and custodian integration.
Learn moreInvestment Platform Development
Retail and professional investment platforms: onboarding, trading, portfolios, market data and investor reporting.
Learn morePortfolio Management Platform
Portfolio management systems: positions, valuations, performance attribution, compliance checks and order generation.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreTokenized fund units with on-chain eligibility
How we structure a fund tokenization platform where only eligible investors can hold or receive units.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Who defines the investment strategy?
The licensed firm's investment team defines models and rules; the platform executes them consistently.
Can advisors override automation?
Yes, hybrid models allow advisor review and overrides with audit trails.
Do you provide investment advice?
No. We build the technology for advice and investment products. Advice, suitability rules and investment decisions are the responsibility of licensed firms using the platform.
Can you integrate with multiple custodians?
Yes. Custodians and brokers are integrated through adapters so the platform can work with more than one.
Next step
Discuss Your FinTech Product.
Tell us about your robo-advisory platform requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.