Digital banking firm Bankjoy has joined forces with investment platform InvestiFi to let community banks and credit unions offer easy investing options. This move, announced on October 13, 2025, allows customers to buy stocks, ETFs, and cryptocurrencies right from their checking accounts without switching apps.
The partnership tackles a big challenge for smaller banks as people move money to apps like Robinhood. It helps these institutions keep deposits and attract new users by adding modern tools to their online banking.
What the Partnership Means
Bankjoy, based in Michigan, provides digital banking services to over 68 banks and credit unions across the country. InvestiFi focuses on seamless investing solutions that fit into existing bank apps. Together, they create a system where users can trade assets directly, cutting out the need for separate brokerage accounts.
This setup uses InvestiFi’s tech to handle trades from deposit accounts. It includes self-directed options for stocks, exchange-traded funds, and digital currencies. The goal is to make investing simple and keep money within the bank’s ecosystem.
Recent data shows community banks face deposit losses of up to 15 percent yearly to fintech apps. By embedding these tools, banks can fight back and boost customer loyalty.
Benefits for Banks and Credit Unions
Smaller financial institutions gain a competitive edge through this alliance. They can now offer services that rival big players without building everything from scratch.
Here are key advantages:
- Retain deposits by keeping investments in-house.
- Attract younger users who want crypto and stock options.
- Increase revenue from fees on trades and accounts.
- Strengthen member relationships with one-stop banking.
A table of recent InvestiFi partnerships highlights the trend:
| Credit Union | Assets | Key Feature Added |
|---|---|---|
| Horizon Utah Federal Credit Union | $180 million | In-app crypto trading |
| Ocala Community Credit Union | $29 million | ETF and stock access |
| West Virginia Central Federal Credit Union | $303 million | Guided investing tools |
| Illiana Financial Credit Union | $278 million | Seamless deposit-to-trade flow |
These examples show how the tech spreads to various sizes of institutions. Banks report higher engagement, with some seeing a 20 percent rise in app usage after adding investing features.
Logical reasoning suggests this prevents customers from jumping to platforms that mix banking and investing. As fintechs expand, community banks must adapt to survive.
How Customers Win Big
Everyday users get the most from this deal. Imagine checking your balance and buying Bitcoin in the same app. No more juggling multiple logins or transfer fees.
This is timely as crypto ETFs gain traction in 2025. The SEC has approved more funds for assets like Solana and XRP, making digital investing mainstream. Credit unions now join the wave, offering safe ways to dive in.
Customers enjoy lower risks since trades link to trusted bank accounts. Plus, educational tools help beginners learn without confusion.
Trends in Digital Investing for 2025
The financial world shifts fast. More credit unions partner with fintechs to add crypto services. For instance, a Florida credit union teamed up with InvestiFi in July 2025 for member crypto trading.
Bitcoin ETFs saw record inflows this year, with daily intakes hitting new highs in October. This fuels demand for easy access through local banks.
Experts predict over 15 new crypto ETFs by year’s end, reshaping how people invest. Community institutions that adopt these tools position themselves for growth.
Events like Finovate conferences spotlight these innovations. Bankjoy demoed its platform in 2023, while InvestiFi debuted as CryptoFi in 2022 before rebranding.
Looking Ahead
This partnership could spark more collaborations in fintech. As regulations evolve, expect safer crypto options in everyday banking.
Banks that embrace change will thrive. InvestiFi’s recent hire of a chief product officer signals ongoing improvements.
Share your thoughts on how this affects your banking. Have you tried investing through your credit union app? Comment below and spread the word to help others stay informed.
