Built A Fintech App Like Stash in 2024

Millions of people dream of owning a slice of the companies they love, but the stock market can sometimes seem like a maze accessible only to a privileged few. Fintech apps like Stash are tearing down these walls, empowering millions to invest with just their spare change.  Stash, with over 10 million downloads, proves that there’s a demand for accessible financial tools that can facilitate financial inclusion and put the power to build wealth in everyone’s hands. 

In 2024, building a fintech app like Stash is more than just a business opportunity; it’s a chance to make a real difference. This blog equips you with the knowledge to navigate this exciting and impactful space, helping you build a platform that unlocks financial opportunities for a whole new generation of investors.

What is the Stash App?

Stash is an investing app designed for beginners. It was launched in 2015 by founders Ed Robinson and Brandon Krieg. With the goal of “democratizing investing,” Stash allows users to invest any amount of money, including spare change, and even purchase fractional shares of stocks and ETFs. This allows investing to be more accessible to a broader audience who might not have a large sum of money to start with. 

Stash features a user-friendly interface and fee-free investing, making it easy for beginners to explore the world of stocks and build their portfolios. Moreover, the app provides educational resources to help users understand investing concepts and make well-informed decisions.

What Makes the Stash App Unique?

Stash stands out from the crowd with features that cater specifically to beginner investors. Firstly, Stash offers fractional share investing through a feature called “Stock Bits.” This allows users to invest in companies like Apple or Google with just a few dollars, removing the barrier of needing a large sum of money to buy a whole share. 

Secondly, Stash’s “Auto-Stash” feature automates investing, enabling users to set up recurring contributions from their checking accounts. This makes it easy to invest consistently and build wealth over time, even if you only have a small amount to spare each month.  These features, combined with Stash’s user-friendly interface and educational resources, create a supportive environment for beginners to take their first steps towards a brighter financial future confidently.

Key Market Takeaways of Investing Apps

According to Gminsights, the stock trading and investing app market is experiencing rapid growth, with a projected market size of over $24 billion in 2022 and a CAGR of more than 19% expected through 2032. And there’s a very good reason for this growth.

Key Market Takeaways of Investing Apps

Source: Gminsights

Firstly, the easy access to real-time market data, news, and financial analysis tools empowers investors to make informed decisions.  This information, readily available within these apps, removes prior barriers to entry for beginners and provides valuable insights for seasoned investors alike.

Secondly, the dominance of smartphones are undeniable. With smartphones becoming widespread, investors now seek the convenience of managing their portfolios and trading stocks on the go. These apps boast user-friendly interfaces, allowing users to monitor markets, execute trades, and access investment research – all from their mobile devices.  This accessibility caters to the evolving preferences of modern, tech-savvy investors who prioritize mobility and seamless financial decision-making.  A recent example of this trend is Twitter’s collaboration with eToro in April 2023.  This partnership allows users to trade stocks and cryptocurrency directly on the Twitter platform, expanding on their existing “cashtags” feature.

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How Does the Stash App Generate Revenue?

Unlike traditional brokerages that charge per-trade commissions, Stash makes money through a subscription-based model. Here’s a breakdown of their key revenue streams:

1. Subscription Fees

Stash offers tiered subscription plans that unlock different features and benefits. For example, a basic plan might provide access to stock and ETF investing, while a premium plan could include features like fractional shares, robo-advisor consultations, or bonus investment opportunities. This tiered approach allows Stash to cater to a variety of investor needs while generating recurring revenue from its user base.

2. Cash Management

Stash offers a debit card called the Stash Stock-Back® Card. When users make purchases with this card, a small percentage of the purchase is automatically invested back into their Stash account. This incentivizes users to spend with the card and generates revenue for Stash through interchange fees, which are fees paid by merchants to process debit card transactions.

3. Banking Features

Some Stash plans offer banking features like checking accounts with debit cards. While Stash itself may not charge fees for these features, they might partner with other financial institutions to process transactions. These partnerships can generate revenue for Stash through revenue sharing agreements.

4. Investment Interest

Cash held uninvested within Stash accounts may be swept into FDIC-insured bank accounts. The interest earned on these deposits can also be a source of revenue for Stash.

Why is Investing Apps so Popular?

Did you know Stash added over 2 million new accounts just last year?  Investment businesses have a golden opportunity to replicate this kind of growth by creating their own mobile investing app.  

Let’s explore the key benefits of developing an investing app,

1. Financial Inclusion for All

Investment apps can be a powerful tool for promoting financial inclusion. By offering easy access to investment opportunities through a user-friendly app, businesses can break down barriers for those who may have previously felt excluded from traditional investment avenues. This aligns with global efforts to address societal inequities by democratizing finance and making investing more accessible for everyone.

2. Catering to the Modern Investor:

Millennials, a generation known for being tech-savvy, are a key demographic for investment businesses. Developing an app that caters to their online habits is crucial. Features like fractional share investing, allowing users to invest in portions of a stock, and an intuitive user experience that mirrors other frequently used apps can significantly attract millennial investors.

3. Riding the Robo-Advisory Wave:

Robo-advisors, automated investment platforms powered by algorithms, are transforming the investment landscape. Investment businesses can integrate robo-advisory features into their apps, providing users with personalized investment recommendations based on their financial goals and risk tolerance. This combination of smart algorithms and data analytics empowers users to create customized investment plans and benefit from automated portfolio management.

4. A User-Focused Approach:

A successful investing app should prioritize user experience. By adopting a user-centric design philosophy, businesses can simplify investing for users with varying levels of financial knowledge. Features like clear and concise information presentation, intuitive navigation, and educational resources all contribute to a more engaging and trustworthy user experience.

5. Making Every Dollar Count:

Micro-investing, the ability to invest small amounts of money, is also gaining traction these days. Investment apps can tap into this trend by helping users to invest in fractional shares of stocks. This broadens the market and increases the user base by enabling even those with limited funds to participate in the stock market.

6. Investing in Knowledge:

A well-designed investing app should incorporate educational materials like articles, tutorials, and investment insights. This can empower users by boosting their confidence and equipping them with the knowledge to make informed investment decisions.

7. Sustainable Growth Through Innovation:

Monetization is also a key consideration for any business. Investment apps can explore diverse revenue streams beyond traditional brokerage fees. Subscription-based models for access to premium features, partnership initiatives with financial institutions, and even white-label solutions for other companies are all potential avenues for sustainable profitability.

Must-Have Features of Fintech Apps like Stash

In this bustling fintech marketplace, contemporary features are essential for fintech apps to thrive. These features should enhance the user experience, promote financial literacy, and provide businesses with the tools they need to scale.

Admin Panel Features

At the heart of a successful fintech app lies an admin panel packed with features that fuel user engagement and financial empowerment. Here are some key elements:

1. User Management

User registration and onboarding processes should be smooth and intuitive, setting the stage for a positive user experience.

2. Transaction Monitoring

Features like portfolio management and transaction history provide users with a clear and centralized view of their finances.

3. Security Protocols:

Secure authentication protocols are essential to build trust and ensure the safety of user data.

4. Personalized Finance

Recommendation engines that consider financial goals and risk tolerance personalize the user experience and guide informed investment decisions.

5. Frictionless Transactions

Easy-to-use deposit and withdrawal functionalities are crucial for a seamless user experience.

6. Dedicated Support

A customer support portal empowers users to manage their accounts independently and address any concerns efficiently.

7. Audit Trail

An audit trail serves as a detailed logbook, documenting every administrative action within the app, thus fostering accountability and transparency within your organization. It enables users to track changes, identify potential issues, and demonstrate responsible management practices.

8. Analytics Dashboards

Analytics dashboards provide valuable insights into user activity, app performance, and transaction trends. This helps users to make better financial decisions based on real data. They can identify areas for improvement, optimize features, and personalize the user experience for maximum impact.

9. Content Management System 

A user-friendly CMS allows users to manage and update content within the app easily. This ensures your users have access to the latest information, educational resources, and helpful tips related to personal finance and using your app effectively. 

10. Risk Management Tools

Robust risk management tools are essential for identifying and mitigating potential threats associated with financial transactions and user activities. These tools can help prevent fraud, protect user data, and ensure overall security within your app. 

User Panel

For fintech companies, the user panel serves as the digital storefront, the primary touchpoint for building trust and fostering long-term user engagement. The features in the user panel should make the investing process as easy as possible for the user, 

1. Frictionless Onboarding

A user’s first experience with the app is crucial. A smooth and intuitive user registration and onboarding process sets the stage for a positive relationship. By making account creation and initial setup efficient, businesses can minimize churn and encourage the continued app usage.

2. Portfolio Management

Transparency is key to building trust. Features like portfolio management and transaction history provide users with a clear and centralized view of their finances. Users can easily track their holdings, monitor investment performance, and analyze spending patterns, all within the app.

3. Educational Resources

Financial literacy is paramount for informed investment decisions. By integrating investment education resources directly within the app, businesses can empower users to make confident choices. Educational materials can cover topics ranging from basic investment principles to asset allocation strategies, catering to users with varying levels of financial knowledge.

4. Secure Authentication

Security is non-negotiable in the fintech industry. Secure authentication protocols like multi-factor authentication and strong encryption measures safeguard user data and financial information. By prioritizing robust security features, businesses can build trust and encourage users to manage their finances confidently through the app.

5. Personalized Recommendations

The future of finance is personalized. Recommendation engines that consider individual financial goals and risk tolerance levels can personalize the user experience. These features suggest suitable investment options, helping users make informed decisions aligned with their unique financial objectives.

6. Notification Preferences

Users appreciate staying informed about their finances. Customizable notification preferences allow users to receive alerts on important activity, such as account balance updates, investment performance notifications, or transaction confirmations. This level of control empowers users to manage their finances proactively.

7. Deposit and Withdrawal

Frictionless deposit and withdrawal functionalities are essential for a user-friendly experience. By ensuring a smooth flow of funds, businesses can encourage active app usage and build user confidence.

8. Customer Support Portal

A dedicated customer support portal empowers users to manage their accounts independently. The portal should provide easy access to FAQs, troubleshooting guides, and secure communication channels to connect with customer support.

9. Account Management

Account settings empower users to take control of their financial experience within the app. Features such as the ability to update personal information, manage login credentials, and set preferences for communication and security protocols put users in the driver’s seat.

Owner Panel

And finally, let’s explore some features that should be included in the owner panel. This panel is basically for the business that owns the fintech app,

1. Business Analytics Dashboard

A robust business analytics dashboard provides businesses with valuable insights into user behavior, revenue streams, and KPIs. By analyzing user activity and investment trends, businesses can identify areas for improvement, optimize app functionalities, and tailor marketing campaigns for maximum impact.

2. Revenue Monitoring

Revenue monitoring tools are crucial for any business. Businesses can track income generated through various channels within the owner panel, such as transaction fees or subscription models. This level of financial transparency allows businesses to identify growth opportunities, optimize pricing strategies, and make informed decisions about resource allocation.

3. Marketing and Promotions

User acquisition is crucial for any fintech app’s success. The owner panel can equip businesses with marketing and promotion tools to reach new audiences. These tools can include features for creating targeted advertising campaigns, managing social media integrations, and implementing referral programs to incentivize existing users to spread the word.

4. Strategic Partnerships

Strategic partnerships can unlock new opportunities for fintech businesses. The owner panel can facilitate communication and collaboration with other companies, allowing businesses to explore co-branding opportunities, integrate complementary services, and expand their reach to new user segments.

5. Direct Communication

In-app communication channels within the owner panel empower businesses to connect directly with users. This can be used to send targeted messages, address user concerns, gather feedback, and promote new features. Fostering a two-way dialogue helps build stronger user relationships and promotes brand loyalty.

6. Future Development Roadmap

The financial technology landscape is constantly evolving. A clear roadmap for future development within the owner panel ensures the app remains competitive and caters to evolving user needs. This roadmap can outline plans for integrating new features, improving existing functionalities, and staying ahead of the curve in a rapidly changing marketplace.

7. Feature Customization

A one-size-fits-all approach rarely works in business. Feature customization options within the owner panel allow businesses to tailor the app’s functionalities to their specific needs and target markets. This flexibility empowers businesses to differentiate themselves from competitors and cater to the unique financial needs of their user base.

8. Compliance Oversight

Compliance with financial regulations is crucial for any fintech company. The owner panel can provide oversight tools to ensure adherence to relevant regulations. This can include features for managing user data privacy, implementing anti-money laundering protocols, and generating reports required by regulatory bodies.

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What APIs will you Integrate into Your Investing App?

When building an investment app, choosing the right APIs is crucial for functionality and user experience. Here’s a breakdown of the key API integrations to consider:

1. Stock Exchanges and Market Data Providers

Your app will need to connect with stock exchanges or market data providers to access real-time and historical market data. Popular options include IEX Cloud, Polygon.io, or Alpha Vantage. These APIs provide data on stock prices, quotes, charts, and other market information, allowing users to make informed investment decisions within your app.

2. Brokerage or Custodian APIs

To facilitate investment execution and order management, you’ll need to integrate with a brokerage or custodian. These institutions act as intermediaries between investors and the stock market, holding and managing securities on behalf of users. Popular choices include Interactive Brokers API, TD Ameritrade API, or Fidelity Investments API. Integrating with these platforms allows users to buy and sell investments directly through your app, streamlining the investment process.

3. Banking Partner APIs

For features like cash management or debit card functionality, integrating with banking partners’ APIs can be beneficial. This would allow features like bank transfers, direct deposits, and potentially bill payments within your app. Popular options include Plaid, Finicity, or Dwolla. These APIs provide secure connections to various banks, enabling seamless movement of funds between a user’s bank account and your investment app.

When choosing APIs, businesses should consider factors like cost, data coverage, reliability, and ease of integration. 

Some APIs offer free tiers with limited functionality, while others have paid plans with more features. It’s important to find a balance between cost and functionality that meets your app’s specific needs. 

How Much Will It Cost to Develop a Fintech App like Stash?

Development StageDescriptionEstimated Cost Range
Research and Planning$5,000 – $25,000
Market ResearchAnalyzing target demographics, competitor offerings, and market trends$5,000 – $15,000
UX ResearchUnderstanding user needs and behavior$5,000 – $10,000
Design and User Interface (UI)$15,000 – $75,000
Basic UI DesignCreating a user-friendly interface with core functionalities$15,000 – $25,000
Advanced UI/UX DesignCrafting a complex, visually appealing interface with custom animations and user testing$30,000 – $75,000
Front-End Development$25,000 – $100,000
Basic AppBuilding a simple app with core functionalities$25,000 – $40,000
Feature-Rich AppBuilding a complex app with advanced functionalities like investment tracking and portfolio management$50,000 – $100,000
Back-End Development$40,000 – $150,000+
Simple Data StorageBuilding server-side logic and database for storing basic user data$40,000 – $60,000
Complex Data ManagementBuilding robust back-end infrastructure for real-time transactions and high-security protocols$75,000 – $150,000+
App FeaturesHighly Variable
Basic FeaturesLogin, portfolio management$10,000 – $20,000
Investment TransactionsBuy/sell orders with features like order types and advanced charting$15,000 – $30,000
Fractional Share InvestingIntegration complexity with a fractional share provider$30,000 – $75,000+
Security FeaturesMulti-factor authentication, encryption$15,000 – $40,000
Advanced Analytics and ReportingComplex data visualization tools and custom reporting features$20,000 – $50,000
Quality Assurance (QA) Testing$15,000 – $40,000
Basic Functionality TestingFocus on core app functionalities and user flows$15,000 – $25,000
Comprehensive Security TestingPenetration testing, vulnerability scanning, in-depth security audits$20,000 – $40,000
Total Cost Range$155,000 – $545,000+

While the previous sections explored core development costs, several variable factors can significantly impact the overall budget. Here’s a breakdown of these factors to consider:

1. Development Team Expertise: A Balancing Act of Skill and Cost

A qualified development team typically includes UI/UX designers for crafting an intuitive interface, front-end and back-end developers to bring the app to life, QA engineers to ensure quality, and potentially data scientists for advanced features. Here’s where location plays a role. Hiring developers in regions with lower rates can be cost-effective, but companies need to ensure they possess the necessary skills and experience in fintech app development. Striking the right balance between cost and expertise is key.

2. Design and User Experience: A User-Centric Approach Pays Off

A user-friendly interface is vital for any successful app, especially in the complex world of finance. Design costs include UI/UX design, prototyping to test functionalities, and user testing to gather feedback and refine the user experience. While businesses might consider cutting corners on design, investing in a user-centric approach can result in a more engaging and user-friendly app. This can ultimately drive user adoption and retention in the competitive fintech market.

3. Security Measures: Building Trust Through Robust Protection

Fintech apps handle sensitive financial data, so having strong security measures is crucial. The expenses for security features can differ based on the required level of industry compliance, the encryption methods, and the chosen authentication protocols, such as multi-factor authentication. While robust security adds to the development cost, it fosters trust with users and protects their valuable financial information. Companies need to weigh the cost of security features against the potential risks and reputational damage of a security breach.

4. Regulatory Compliance: Navigating the Financial Landscape

Financial regulations exist to safeguard user data and ensure fair practices. Businesses need to factor in the cost of legal advice, compliance checks, and implementing industry-standard features to ensure their app adheres to all relevant regulations. These compliance requirements can add complexity to the development process, impacting the overall cost. However, failure to comply can result in significant fines and legal consequences, making it a necessary expense for any business entering the fintech space.

5. Testing and Quality Assurance: Ensuring a Flawless User Experience

Rigorous testing is essential before launching any app, especially one dealing with finances. Costs associated with quality assurance (QA) involve extensive testing for functionality, usability, and security vulnerabilities. Thorough testing helps identify and address bugs before launch, preventing user frustration and potential financial losses for both users and the business itself.

6. Technology Stack: Choosing the Right Tools for the Job

The technology stack also plays a critical role in scalability and development speed. This encompasses databases, cloud services for data storage and processing, and both front-end and back-end technologies to build the user interface and functionalities. Expenses can vary depending on the chosen technologies, with some requiring additional expenses for third-party integration services or licensed software. Companies should carefully evaluate their needs and weigh the cost-effectiveness of different technology stacks.

7. Maintenance and Updates: A Commitment to Continuous Improvement

The development journey doesn’t end with the launch. Businesses need to budget for ongoing maintenance to address bugs, introduce new features based on user feedback and market trends, and ensure the app remains secure and up-to-date. Factoring in these ongoing costs is crucial for determining the total investment required for your fintech app. By understanding these variable factors, businesses can make informed decisions throughout the development process, ensuring their fintech app is not only secure and user-friendly but also stays competitive in the ever-evolving financial landscape.

How To Develop A Fintech App Like Stash?

The rise of fractional share investing has also opened doors for other innovative fintech apps like Stash. But how do you navigate the process of building a successful app that perfectly caters to the evolving needs of the market? Let’s discuss the key stages involved, 

1. Vision and Objectives

The journey begins with a clear vision and well-defined objectives. Businesses need to articulate their goals, identify the unique value proposition of their app, and understand the specific needs they aim to address. 

For instance, Stash’s objective centered around providing users with easy-to-use investment options through fractional shares, making investing more accessible for everyone. This focus on removing barriers to entry and promoting financial literacy sets Stash apart from traditional investment platforms. 

2. Market Research

Before diving into development, thorough market research is essential. This involves identifying trends, pinpointing target demographics, and analyzing competitors. By understanding user expectations, market gaps, and potential challenges, businesses can develop a strategy that caters to unmet needs and positions their app for success.

3. Assembling the A-Team

The success of any fintech app hinges on a skilled development team. Businesses need to assemble a team with expertise in security, mobile app development, and fintech regulations. This team should ideally include QA engineers to ensure quality, backend developers to build the app’s core functionalities, UI/UX designers to create an intuitive and user-friendly interface, and specialists familiar with the intricacies of fractional share investing.

4. Choosing the Right Tech Stack

Selecting a stable backend framework, such as Java or Python, lays a solid foundation. Leveraging cloud services for data storage and integration further enhances scalability and efficiency. Ultimately, the chosen technology stack should seamlessly align with the particular features and functionalities of the app, including those unique to fractional share investing.

5. User-Centric Design

A successful fintech app prioritizes user experience. Businesses should embrace user-centric design principles, focusing on intuitive interfaces and clear navigation. Conducting user testing throughout the development process helps identify and address usability issues. 

For instance, Stash excels with features like “Auto-Stash,” which allows users to automate regular investments and a curated selection of pre-built investment portfolios catering to different risk tolerances. 

6. Core Features and Security

Developing core features like investment portfolios, transaction monitoring functionalities, and the ability to buy and sell fractional shares is crucial. However, security is equally important. Implementing robust security measures, including multi-factor authentication and data encryption, is paramount in building user trust. For example, Stash prioritizes security by adhering to industry best practices and maintaining a SOC 2 compliance certification, demonstrating its commitment to safeguarding user data.

7. Third-Party API Integration

Integrating reliable third-party APIs allows investment apps to leverage existing functionalities. APIs for financial data, market analysis, and fractional share investing can significantly reduce development time while ensuring data accuracy and reliability. A well-integrated ecosystem of APIs provides a comprehensive user experience that caters to a wider range of financial needs. 

8. Testing and Launch

Rigorous testing is crucial before launch. Conduct user, security, and functionality testing to find and address bugs or vulnerabilities. A smooth user experience from the get-go builds trust and encourages user retention. Businesses can leverage insights from user testing to refine their marketing approach and ensure a successful app launch.  

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Top 10 Popular Investing Apps Like Stash in the USA

While Stash has made a pretty good name for itself in the fintech app marketplace, several new, unique investing apps are gaining popularity in the USA. Here’s a closer look at the 10 most popular investment apps.

1. Acorns 


Founders: Jeff Crump, Noah Kernell

Launched in 2012, Acorns is a micro-investing app that allows individuals to invest spare change from everyday purchases. Its round-up feature automatically rounds up debit or credit card transactions to the nearest dollar and invests the difference. Acorns recently partnered with financial giant PayPal, allowing users to invest their spare change directly from their PayPal balance seamlessly. This integration broadens Acorns’ reach and makes micro-investing even more accessible.

2. Robinhood 


Founder: Vlad Tenev, Baiju Bhatt

Founded in 2013, Robinhood is a popular choice for active investors due to its commission-free stock and ETF trading. This feature makes it a cost-effective option for those who trade frequently. Robinhood recently expanded its offerings with a cash management feature. This allows users to earn interest on their uninvested cash, potentially boosting their overall returns.

3. Public


Founder: Leif Abraham

Launched in 2018, Public takes a unique social approach to invest. The app allows people to follow other investors, view their holdings, and share investment ideas in a community forum. This fosters a sense of community and can be a valuable learning resource for new investors. Public recently made headlines by launching fractional share investing for cryptocurrencies. This allows users to invest in portions of Bitcoin and Ethereum, making these traditionally expensive assets more accessible to a wider audience.

4. M1 Finance

M1 Finance

Founder: Brian Barnes, Boris Grinbaum

Established in 2015, M1 Finance offers the convenience of automated investing while allowing users to tailor their portfolios. Users have the option to select from pre-built portfolios based on their risk tolerance or create their own, striking a balance between automated and manual control. Recently, M1 Finance has expanded its services to include a crypto trading platform, enabling users to buy and sell various cryptocurrencies alongside their traditional investments within the same app.

5. Betterment


Founder: Jon Stein

Launched in 2008, Betterment is a robo-advisor that uses algorithms to create and manage investment portfolios based on individual risk tolerance and their financial goals.This hands-off approach makes it a good option for busy investors or those who are new to investing. Betterment recently expanded its services by incorporating financial planning tools. This allows users to go beyond just investing and receive holistic financial guidance.

6. Charles Schwab

Charles Swab

Founder: Charles R. Schwab

Charles Schwab, a well-established brokerage firm founded in 1971, also offers a user-friendly mobile app for investing. The app offers access to a wide range of investment products, such as stocks, bonds, ETFs, and mutual funds, catering to various investment strategies. Charles Schwab recently launched a robo-advisory service called Schwab Intelligent Portfolios. This caters to investors who want a blend of automated investing with the backing of a trusted financial institution.

7. SoFi Invest

SoFi Invest

Founders:  Mike Cagney, Dan Klein, Aaron Batalion

Launched in 2015, SoFi Invest focuses on fractional share investing. This allows users to invest in portions of expensive stocks like Amazon or Google, making them more accessible to those with limited capital. SoFi Invest recently partnered with several financial institutions to offer employee stock purchase plans (ESPPs) through their app. This allows employees to easily invest a portion of their paycheck into their company’s stock, potentially benefiting from their employer’s growth.

8. E*Trade

E Trade

Founder: William R. Salomon III

A pioneer in online brokerage since 1982, ETrade offers a comprehensive mobile app for investing. The app provides access to a wide range of investment products, from common stocks to complex options contracts, catering to experienced investors. For those seeking a more automated approach, ETrade recently launched a robo-advisory service called ETrade Core. This allows users to benefit from automated portfolio management while still having access to ETrade’s extensive research and trading tools.

9. Ally Invest

Ally Invest

Founder: Richard B. Fairbank

Ally Invest, the online investment arm of Ally Bank, established in 1994, offers a user-friendly app for managing investments. The app boasts commission-free stock and ETF trades, making it a cost-effective option for investors on a budget. Ally Invest recently entered the robo-advisory space with the launch of Ally Invest Managed Portfolios. This caters to investors seeking a hands-off approach to investing, allowing them to benefit from automated portfolio management based on their financial goals.

10. Wealthfront


Founders: Andy Rachleff

Launched in 2008, Wealthfront is a robo-advisor that focuses on tax-optimized investing. The app uses sophisticated algorithms to create and manage investment portfolios that minimize your tax burden, potentially increasing your overall returns. Wealthfront recently launched a cash management account. This allows users to earn interest on their uninvested cash, providing an additional layer of potential growth within the app.


Fintech apps like Stash are giving everyone the chance to take control of their financial future. By offering a user-friendly platform and removing traditional barriers, these apps are opening the doors to financial freedom for millions. And, by building your own app, you can be a part of this revolution.

Developing a user-friendly platform with features like fractional shares and educational resources opens the door for a new generation of investors. You can help individuals achieve their financial goals, feel confident about their money, and build a brighter future. In a world filled with financial uncertainty, your fintech app can be a beacon of opportunity, guiding users towards financial freedom and peace of mind. 

Develop Your Own Fintech App Like Stash

Idea Usher can be your partner in this journey! With over 500,000 hours of coding experience in the fintech space, we have the expertise to craft a user-friendly investing app that perfectly aligns with your vision. Let’s turn your idea into a reality and help you unlock a new era of financial inclusion. Contact Idea Usher today for a free consultation!

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Q1: How to build a FinTech mobile app?

A1: Building a fintech mobile app like Stash requires a multi-step process. First, define your app’s features and target audience. Then, thorough market research and competitor analysis will be conducted. Assemble a skilled development team with expertise in fintech app development and user-centric design. The development process involves designing a user-friendly interface, building secure back-end functionality, and rigorous testing to ensure a smooth and secure user experience. Finally, consider ongoing maintenance and updates to keep your app competitive in the ever-evolving fintech landscape.

Q2: How much does it cost to develop a FinTech app?

A2: The cost of developing a fintech app relies heavily on the features you choose and the complexity involved. Building a basic app with limited functionalities will cost less than a feature-rich app with advanced security protocols. It is crucial to consult with experienced fintech app developers to get a clear picture of development costs. They can evaluate your unique needs and offer a customized breakdown of the costs associated with realizing your investment app vision.

Q3: How long does it take to develop a FinTech app?

A3: The development timeline for a fintech app like Stash can vary greatly. Basic apps with limited features might take 3-6 months, while feature-rich apps with complex functionalities can take 12-18 months or more. Several factors influence this, including the app’s complexity, your development team’s expertise, and any necessary regulatory compliance requirements. For an accurate estimate, consult with experienced fintech app development specialists to assess your specific needs and project scope.

Q3: How do you design an investment app?

A3: Designing an investment app like Stash requires a user-centric approach. Focus on clear and intuitive navigation, allowing users to buy, sell, and track investments easily. Integrate educational resources and investment tools like portfolio management and watchlists. Cater to different knowledge levels with features like robo-advisors for beginners and advanced charting tools for experienced investors. By prioritizing a user-friendly and informative experience, you can build trust and empower users to navigate the world of investing confidently.

Q4: How to build a FinTech mobile app?

Building a fintech mobile app like Stash requires a multi-step process. First, define your app’s features and target audience. Then, thorough market research and competitor analysis will be conducted. Assemble a skilled development team with expertise in fintech app development and user-centric design. The development process involves designing a user-friendly interface, building secure back-end functionality, and rigorous testing to ensure a smooth and secure user experience. Finally, consider ongoing maintenance and updates to keep your app competitive in the ever-evolving fintech landscape.

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