What We Do


We support our distribution partners by providing a customized CMA including a branded Apple/Android app, desktop portal, and investment debit card (our patent-pending debit card linked to specified securities), or we can integrate middleware via APIs to an existing app and portal. In turn, our distribution partners can offer superiorvalue-creating accounts to its clients. ICM provides its services to distribution partners and their clients at no cost, and CMA programs can be implemented within 60 days.


When clients onboard via the app or desktop portal, they are provided a linked bank and brokerage account. The clients fund their accounts and the funds are swept daily to purchase the linked securities. When clients transact out of their account, the corresponding securities are sold and swept back to the bank for payment into the Mastercard or Visa settlement network. This process is powered by ICM’s proprietary technology.