Future State Blueprint: Embedded Finance API Ecosystem - shanejayhayes/jarvis GitHub Wiki

This blueprint envisions an API-first distribution model where asset managers embed their products directly into fintech apps, retirement platforms, and partner ecosystems — all orchestrated by Salesforce FSC.

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💥 Challenge

• Traditional distribution is limited to advisor networks and direct channels.
• Fintech players (e.g., robo-advisors) are capturing younger investors.
• APIs across custodians, OMS/PMS, and ESG providers are fragmented and difficult to manage securely.

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✅ Jarvis Future-State Solution

• API-First Architecture → asset managers expose products & services via secure APIs
• Embedded Distribution → fintech apps integrate these offerings natively
• Real-Time Data Flow → Salesforce FSC centralizes all engagement + compliance
• Event-Driven Integrations → Pub/Sub and webhooks for instant synchronization

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🏗️ Architecture

flowchart TD
    A["Investor-Facing Apps (Fintech, Retirement, Embedded Platforms)"] -->|API Calls| B["API Gateway - Secure Exposure Layer"]
    B --> C["Asset Manager API Services"]
    C --> D["Mulesoft / Integration Layer"]
    D --> E["Salesforce FSC - Engagement & Compliance Hub"]
    E --> F["Einstein AI - Predictive Insights & Personalization"]
    F --> G["Advisor & Wholesaler Dashboards"]
    E --> H["Regulatory Audit Logs"]

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🧠 Key Innovations

• 🧩 Composable Ecosystem → modular APIs replace monolithic integration
• ⚡ Real-Time Personalization → AI tailors offerings based on investor context
• 🔐 Compliance by Design → APIs secured, logged, and governed with regulatory frameworks

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📈 Business Impact

• ✅ New digital channels → reaching fintech-native investors
• ✅ Reduced distribution costs via automation
• ✅ Higher advisor efficiency with embedded engagement data
• ✅ Faster innovation → plug-and-play with partners and ecosystems

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🏢 Who’s Exploring This?

• Vanguard → B2B embedded offerings and API-driven distribution pilots
• SEI → API-first architecture for advisor platforms
• BlackRock → partnerships with fintechs embedding Aladdin analytics

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