Bolt Expands App with Embedded Investing Through Atomic

Bolt — the fintech company known for powering one-click checkout, payments infrastructure and its evolving SuperApp — has taken a significant step beyond transactions and finance by adding embedded investing capabilities directly into its mobile experience. The expansion comes through a multi-year partnership with Atomic, a leading investing-as-a-service platform that provides regulated brokerage infrastructure to consumer-facing apps.

The new functionality means that everyday users of the Bolt SuperApp can now open brokerage accounts, trade individual stocks and exchange-traded funds (ETFs), and manage investment portfolios — both self-directed and automated — without leaving the app they already use for payments, banking and crypto trading.

This marks a shift for Bolt from being primarily a checkout and payments tool to becoming a broader financial ecosystem — one that supports not just spending and saving, but also long-term financial participation.

Why Embedded Investing Matters

For many consumers, investing remains siloed from everyday financial activity. Separate brokerages, complex account setups, and multiple apps have long been barriers — especially for newer or younger investors. By integrating investing into a SuperApp that users already visit for payments, peer-to-peer transfers, rewards, and crypto trading, Bolt aims to lower those barriers and embed investment as a natural part of managing money.

Ryan Breslow, Founder and CEO of Bolt, emphasised that the vision behind the expansion is for the app to help users “move beyond transactions and toward long-term financial progress,” making investing accessible in a way that is straightforward, regulated, and built right into users’ financial workflows.

How the Partnership Works with Atomic

Under the deal, Atomic will provide the regulated brokerage infrastructure, portfolio management and operational support that enables Bolt to deliver an investing experience that is both compliant and seamless. Users can choose to build portfolios based on their own goals and risk tolerance or select from automated managed portfolios tailored to long-term objectives — all within the familiar Bolt environment.

The investing functionality is “white-labeled” in Bolt’s SuperApp, meaning it appears as a native part of the app rather than a third-party add-on. This delivers a unified user experience and eliminates the friction that often comes with switching between apps to manage different aspects of personal finance.

For users, this integration does more than add a feature — it creates a financial hub where spending, saving, and investing live side by side.

The SuperApp Evolution: From Payments to Financial Operating System

Bolt’s SuperApp was first introduced as an all-in-one platform that simplifies payments, crypto trading, peer-to-peer transfers, digital banking and rewards tracking under one roof. With investing now added to the mix, Bolt is redefining what consumer finance apps can be by creating an ecosystem that supports both day-to-day money management and long-term financial growth.

This direction aligns with broader trends in fintech — where apps increasingly combine multiple financial services to reduce friction and increase engagement. Rather than forcing users to navigate siloed apps for payments, banking and investing, the SuperApp model builds a holistic financial experience that lives on users’ devices.

User Impact and Accessibility

By embedding investing directly within the Bolt app:

• Users no longer need separate brokerage accounts outside the platform.
• Investment decisions can be made in context with other financial activities.
• New or inexperienced investors gain exposure to the markets in a familiar interface.
• Automated portfolios help users manage risk and build long-term strategies.

For many consumers, especially those cautious about jumping into investing, this integrated approach could make financial markets more approachable and intuitive.

Strategic Implications for Fintech Competition

Bolt is joining a growing list of fintech platforms that are transforming from single-purpose services into comprehensive financial ecosystems. Other companies have similarly begun offering integrated investing — whether through partnerships with brokerage services or by building in-house capabilities — but Bolt’s approach stands out for linking investing not just with payments or banking, but with a broader set of financial activities in a single app.

This positions Bolt not just as a payments operator but as a contender in the broader consumer finance landscape — competing for users’ attention in every corner of personal financial life, from spending to saving to investing. The partnership with Atomic accelerates this vision by combining Bolt’s user reach with Atomic’s brokerage expertise.

Looking Ahead

As embedded finance continues to evolve, integrations like this are likely to become more common — with apps serving as one-stop financial hubs. By enabling investing within its SuperApp, Bolt is expanding its footprint in users’ financial lives and opening the door to deeper engagement and retention over time.

In the future, financial apps may not just facilitate transactions but also support users in accumulating wealth — and Bolt’s latest move is a clear step in that direction.

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