DriveWealth’s Harry Temkin’s Excited About Fintech in 2026 – Here’s Why

Why It Matters

By lowering cost and infrastructure barriers, DriveWealth’s tools enable worldwide retail investors to access U.S. equities, expanding market liquidity and fueling the growth of superapp ecosystems.

Key Takeaways

• DriveWealth offers API‑based brokerage‑as‑a‑service.
• Fractional shares enable investments as low as one cent.
• Superapps integrate investing, loans, and insurance in wallets.
• 24×5 trading moves toward 24×7 global access.
• AI enhances robo‑investing and predictive market analytics.

Pulse Analysis

DriveWealth has positioned itself at the forefront of embedded finance by delivering a cloud‑based brokerage‑as‑a‑service API that lets partners embed trading with minimal infrastructure. The platform’s fractional‑share engine, which allows purchases down to a penny and price‑improvement on sub‑share trades, removes the cost barrier for retail investors worldwide. By automating round‑up investing and real‑time settlement, the firm turns what used to be a high‑fee, complex process into a frictionless experience, accelerating the democratization of U.S. equities for global users. The low‑fee structure also appeals to fintech partners seeking to embed brokerage services without regulatory overhead, accelerating cross‑border capital flows. Looking ahead to 2026, Temkin envisions financial superapps that combine investing, lending, insurance and payments within a single wallet, effectively owning the customer’s entire financial journey. Cashless brokerages built on DriveWealth’s API will let money reside in the wallet, eliminating separate brokerage accounts and enabling instant settlement for equity trades—mirroring the crypto experience. Real‑time APIs enable instant KYC and AML checks, smoothing onboarding for international users. The company’s 24×5 trading model already offers extended hours, and a shift toward true 24×7 access would align equities with the always‑on nature of digital assets, satisfying international partners’ daytime needs. Artificial intelligence is set to become the next layer of robo‑investing, automating code generation, data analytics and personalized support across wealth‑management platforms. DriveWealth is also exploring predictive markets and private‑credit offerings, using AI‑driven insights to surface pre‑IPO opportunities and alternative assets to a broader audience. These AI models also improve risk scoring, helping regulators monitor systemic exposure as retail participation rises. By leveraging these technologies, the firm aims to scale globally while maintaining compliance, turning wallets into full‑service investment hubs that attract both novice savers and sophisticated traders.