Wealth Platform Bolt-On IP
Services-firm IP that turns Avaloq, Temenos Wealth and FNZ estates into recurring revenue
Bolt-On Products
5
Owned as SI IP
Core Platforms Targeted
3
Avaloq · Temenos · FNZ
Revenue Model
Land→Annuity
Pilot to AMS contract
Fastest Sales Cycle
Product 04
Gain-share, no sign-off
About This Product Line
What It Is
Five point solutions that plug into Avaloq, Temenos Wealth or FNZ without requiring the bank to replace its core. Each is small enough to sell on its own and load-bearing enough that the services firm that builds it becomes structurally hard to remove.
Why It's a Wedge
Unlike pitching a full platform replacement, a bolt-on has a low sales barrier and a fast approval path. The IP itself is priced near cost — the margin lives in the configuration, data engineering, and application-management annuity that follows.
Ownership
The product artifact — code, connectors, prompt libraries, rule sets — is retained as the services firm's own IP across every client engagement, not built bespoke and handed over. That reuse is what compounds margin deal after deal.
At a Glance
| Product | Wedge Mechanism | Primary Revenue Lever | |
|---|---|---|---|
| 01 | Migration & Dual-Run Reconciliation Accelerator | Core-to-core data cutover | Fixed-price migration program |
| 02 | Canonical Data Fabric | Cross-platform household view | Per-source connector builds |
| 03 | AI Relationship Manager Co-Pilot | Advisor productivity, board-visible | Per-seat SaaS + tuning services |
| 04 | Fee & Billing Reconciliation Agent | Recovered fee leakage | Gain-share → monitoring subscription |
| 05 | Suitability & Product Governance Overlay | Regulator-facing remediation | Assessment → embedded certification |
Migration & Dual-Run Reconciliation Accelerator
Canonical Data Fabric
AI Relationship Manager Co-Pilot
Fee & Billing Reconciliation Agent
Suitability & Product Governance Overlay
Go-to-Market Notes
Sequencing
Lead with 01 or 04 — self-evident ROI, short sales cycles. Use the credibility won there to cross-sell 02, which makes 03 and 05 cheaper to deliver.
Partner Tier
Pursue certified-partner or co-sell status with Avaloq, Temenos, and FNZ. Vendor co-sell listings are themselves a lead-gen channel into large clients.
Pricing Philosophy
Price the product artifact near cost or free. Margin lives in configuration, data engineering, and the AMS annuity — not the license.