AntMoney

Through its embedded platform, ATM helps users improve their budgeting, earn money with brand engagement like paid surveys and access funds in times of need. It helps customers open and use investment accounts to build up their wealth. This diverse offering means it sits somewhere in between other Learn & Earn products (like those from Coinbase or RabbitHole), microinvestment platforms (like Robinhood) and automatic savings apps (like one of the co-founders’ first projects, Acorns).

Straddling these three areas means ATM benefits from meagre customer acquisition costs, whilst having plenty of leeway to develop advertising and brand partnerships with major fintech and enterprise players. Whether being spread this relatively thin will help or hinder them in a hotly competitive market, however, remains to be seen.