Project Name
White-Label Brokerage Investment Platform Embedded in a Retail Banking App Using Salesforce FSC and MuleSoft
The client is a technology-forward retail bank operating across India and the Caribbean, serving a growing base of retail and SME customers seeking integrated financial products. The bank had already built a modern Salesforce Financial Services Cloud platform as its central CRM and digital banking orchestration layer, with MuleSoft handling integrations to its Highgate core banking system.
Facing growing demand for investment products, the bank secured a white-label brokerage partnership with a leading global brokerage platform to offer mutual funds, equities, and demat account services, but needed these capabilities to appear entirely as the bank’s own product, with customers never aware of the underlying technology partner. The bank also required full GL reconciliation for all brokerage transactions to be posted automatically to its core banking ledger. Ksolves, an AI-first company, designed a Salesforce Financial Services Cloud and MuleSoft architecture that made the brokerage invisible to the customer but fully governed by the bank.
Challenges faced by the client are as follows:
- Complete White-Label Invisibility Required: The bank's agreement required that customers never see any reference to the brokerage platform in the app, on notifications, in trade confirmations, or in the App Store listing, demanding a full branding and credential isolation architecture.
- Credential Isolation and Access Control: DBL-issued customer credentials had to work only through the bank's own application. Customers needed to be technically prevented from accessing the brokerage platform directly using those same credentials, with enforcement at the API and session level.
- End-to-End GL Reconciliation on Every Transaction: Every brokerage transaction, including account funding, trade execution, commission deduction, and portfolio settlement, required automated GL posting to the Highgate core banking system in real time, with zero manual intervention.
- Real-Time Portfolio Visibility Without Data Duplication: Customers expected live portfolio holdings, valuations, and transaction history within the bank's mobile app, requiring streaming API integration with the brokerage platform without maintaining duplicate financial records in Salesforce.
- Multi-Phase Integration Complexity: The brokerage integration spanned three distinct phases: account initiation and onboarding; investment account funding, linking bank savings to the brokerage wallet; and post-funding trading and portfolio visibility, each with separate API boundaries and handoff governance.
- Regulatory and Notification Ownership Ambiguity: Trade confirmations, stop-loss alerts, and account notifications had to carry the bank's branding and not the brokerage platform's, requiring clarity on notification ownership and content control across IBKR's infrastructure.
Ksolves built a three-phase Salesforce FSC and MuleSoft architecture that made the bank’s platform the single customer touchpoint across the brokerage lifecycle, while the brokerage engine remained fully invisible in the backend.
- Salesforce FSC Onboarding Orchestration: Designed the Phase 1 investment account initiation flow entirely within Salesforce FSC, capturing customer investment intent within the existing mobile banking session, performing KYC pre-checks against core banking records, and passing a structured initiation payload to the brokerage platform's API via MuleSoft without the customer ever leaving the bank's app.
- MuleSoft API-Led Brokerage Integration: Architected a MuleSoft Anypoint API-led connectivity layer with five purpose-built APIs covering Account Initiation, Fund Transfer, Portfolio Streaming, GL Posting, and Notification Routing, establishing a governed, versioned middleware layer with zero direct Salesforce-to-brokerage callouts and full retry and error-handling logic.
- White-Label Branding and Credential Isolation: Configured the brokerage Broker Portal for complete DBL branding, enforcing that DBL-issued credentials authenticate only through the bank's app, with App Store listings and in-app notifications carrying the bank's identity exclusively. Designed the technical control model to prevent direct platform access using bank-issued credentials.
- Automated GL Reconciliation Engine: Built automated settlement posting workflows using MuleSoft to push every brokerage transaction event, including funding, trade execution, commission, and settlement as structured GL entries to the Highgate core banking system in real time, eliminating the manual reconciliation burden on the bank's finance operations team.
- Real-Time Portfolio Streaming via Experience Cloud: Designed the post-funding portfolio visibility layer using Salesforce Experience Cloud and Mobile Publisher, streaming live holdings, valuations, and transaction history from the brokerage platform's API directly into the bank's app interface, with no duplicate financial records held in Salesforce.
- Phased Delivery Governance: Structured the engagement into three governed phases covering Phase 1 account initiation, Phase 2 investment account funding, and Phase 3 trading and portfolio visibility, with clear API boundary definitions, milestone sign-offs, and integration testing coordination with the bank's internal MuleSoft team.
Technology Stack
| Category | Technology |
|---|---|
| Platform | Salesforce Financial Services Cloud |
| Integration | MuleSoft Anypoint Platform |
| Platform | Salesforce Experience Cloud |
| Architecture | GL Reconciliation Engine |
| Security | Einstein Trust Layer + mTLS Auth |
| Integration | IBKR Broker Portal API |
- Full White-Label Brokerage in Retail Banking App: All brokerage capabilities including account opening, funding, trading, and portfolio visibility are delivered entirely within the bank's own branded mobile app, with the underlying brokerage platform invisible to 100% of customers (target delivery).
- GL Reconciliation Fully Automated: Automated MuleSoft GL posting eliminates manual reconciliation across all brokerage transaction types, targeting zero manual GL entries for standard brokerage transaction lifecycle events (target).
- Credential and Brand Control Enforced: Session isolation and API access controls prevent all direct platform access via bank-issued credentials, with DBL brand appearing on 100% of customer-facing surfaces, notifications, and trade confirmations (target).
- Investment Product Adoption Uplift: White-label brokerage launch within the existing banking app is expected to capture investment wallet share from the existing customer base, with adoption benchmarked against Phase 1 go-live metrics (target).
“We needed our customers to experience a fully integrated investment platform as an extension of their banking relationship, not a third-party product. The architecture Ksolves designed achieves exactly that: complete brand ownership, full GL control, and zero disruption to our existing Salesforce infrastructure.”
-VP of Digital Products
Ksolves delivered a fully white-label Salesforce FSC and MuleSoft brokerage architecture that positioned the bank as the sole customer touchpoint across the complete investment lifecycle. Investment account opening, funding, trading, and live portfolio visibility are now available entirely within the bank’s own branded app, with the underlying brokerage platform invisible at every customer-facing layer. GL reconciliation is fully automated with zero manual finance intervention, credential isolation is enforced with complete brand ownership, and a three-phase delivery model ensured safe, governed rollout at each integration boundary.
This engagement establishes a replicable FSC and MuleSoft white-label financial product architecture applicable across any bank seeking to embed third-party investment, insurance, or lending capabilities as a fully branded in-app experience. The API-led MuleSoft layer and FSC data model are immediately extensible to reverse factoring, AI-powered investment advisory via Agentforce, and cross-sell campaign automation via Salesforce Marketing Cloud, creating a comprehensive financial super-app architecture on the existing Salesforce platform.
Looking to embed investment or lending products inside your banking app? Explore Ksolves Salesforce Financial Services Cloud services and build your white-label financial platform today.
Ready to Build Your White-Label Banking Platform?
