eccuity Version 5.0 Release Notes

Hello and thank you for jumping onto this blog to see what the eccuity v5.0 release has to offer.  The list is indeed long and comprehensive!

It has been in the works for the past 5 months and has consumed the majority of our team's focus. For that we are extremely thankful to our team who came together and collaborated on such a significant piece of work.

In no particular order let’s go through the updated list of features:

• Introducing Strategies and Strategy Builder
• High Yield Sweep Programme
• Crypto Funding Wallets
• eccuity Private Membership
• Improved Onboarding and Company/Trust Onboarding
• Multi-Factor Authentication App Connection
• User Interface and Experience Improvements

Strategies

Strategies are a way for our users to create their own personal ETFs/Index Fund-like  tracking baskets of assets across ETFs, US Equities and select Cryptocurrencies.

Our users can create, track and modify these strategies enabling a level of freedom and ability to execute seamlessly when paired with the strategy builder.

‍

Community Strategies

All strategies that are set to “public” are in our community index. You can choose discoverability settings when creating your own strategies.

Passive Strategies

Our passive strategies track publicly recognised, rules-based investment models, optimised for the lowest-cost implementation using US ETFs, Equities and Crypto. We do not recommend or endorse any specific strategy, nor do we provide financial advice. Investors should conduct their own research and seek independent financial advice before making any investment decisions.

We plan to continually release passive and pro strategies for educational purposes and have launched the following two passive strategies:

1. Dave Ramsey 401k Clone Portfolio
2. Barefoot Investor Clone Portfolio

Pro Strategies

Pro strategies will currently follow 13F filings of some of the most popular and well known investors who are required to make these filings with the US Securities Exchange Commission. The intention is so that our platform can conveniently track the evolution of these famous investors' holdings over time and make this information more accessible to everyday investors.

Please note that these trackers are intended for educational purposes only and have inherent limitations as these filings are released delayed to the public (including us).

Link to strategy section

13F filings are delayed by up to 45 days after the end of each calendar quarter. That means:

• Q1 filings (Jan–Mar) → Due by May 15
• Q2 filings (Apr–Jun) → Due by August 14
• Q3 filings (Jul–Sep) → Due by November 14
• Q4 filings (Oct–Dec) → Due by February 14

This means users are seeing a snapshot of holdings that could be up to 1.5 months delayed by the time they are published.

We plan to expand these trackers to other reporting entities, including various Fund Disclosures.

We have no affiliation with any passive or pro strategy on the Platform and do not recommend that users copy any of these trackers. eccuity does not provide financial advice and investors should seek professional advice from a qualified financial advisor.

My Strategies

This is a tab with all active and inactive strategies that you have personally created and are using our automations to take care of executing your investment plans.

The active strategies are self-directed by users directly and users are free to direct and edit them as they see fit.

eccuity Strategies

These are privately modeled strategies that can only be accessed by Private Wholesale Investors who are experienced and fit the criteria of a Wholesale Investor under the New Zealand Financial Markets Conduct Authority legislation.

Strategy Builder

The Strategy Builder is a feature where you can configure strategies to execute, buying and selling based on the criteria you set within the Builder. These strategies can also be edited, deactivated and liquidated conveniently.

High Yield Sweep Programme

Accrue up to 3.9% Interest on your cash.

eccuity Invest users get a competitive interest rate and you can further boost the interest rate by subscribing to one of our premium tier memberships.

Opting into our high yield sweep programme gives our users a convenient and best-in-market way to earn interest on US dollars held in your eccuity Invest account - eliminating any worries about putting your cash into the correct cash account. Users earn interest on all cash held in their accounts without any admin required.

Do note that interest rates are subject to change and the sweep programmes terms and conditions apply.

Improved Onboarding for Individuals

Making sure we know our users is important to protect you and ourselves from inadvertently enabling money laundering or any form of terrorist activity.

This means we have to adhere to extremely stringent Anti Money Laundering/Know Your Customer protocols. As part of the onboarding process, we may request additional information. This is required by regulators and ensures we uphold industry standards as a responsible and compliant player.

That said, we have worked on optimising this experience to make it as painless as possible.

Onboarding for Companies and Trusts

We are now starting to onboard Companies and Trusts as we recognise many people use these as vehicles for asset ownership. We heard your feedback and have created a way for us to facilitate onboarding Companies and Trusts.

Crypto Funding Wallets

One common concern we heard from customers is that accessing liquidity for their crypto was often difficult and intimidating. Based on that feedback, we developed a seamless solution through our crypto funding wallets, allowing eccuity Invest clients to send Bitcoin, Ethereum and Solana to their wallets giving users a fast, conventional and cost effective way to get into US dollars that can then receive a competitive interest rate through our sweep programme mentioned above.

Next, we’re introducing withdrawal capabilities for these wallets. In this emerging industry, we have a unique opportunity to support the growth of New Zealand’s Crypto sector by providing certainty and stability through alternative asset allocation.

Membership Tiers

Memberships are a core part of our approach to operating our business.

Our memberships are specifically designed for users to progress over time  as you build your wealth.

Memberships enable established levels of free trades, discounts on transaction costs and increased yield on savings.

These memberships also give you access to more of the Strategies that our Platform tracks through publicly available information and regulatory filings.

Sometimes you may need financial advice from a certified Financial Advisor. Some individuals prefer to pay directly for advice instead of commissions as over the long term that cost is much higher than directly paying for the value. With our memberships we pay the Advisors directly allowing you unlimited access to Financial Advisors. 

Additionally, we provide that same unlimited access to non-financial experts. This is because we recognise that many of the decisions we make in life do not typically fit into the typical financial advice regime such as Kiwisaver, insurance and mortgages.

Our network of non-financial experts include experienced business operators who have exited, investors, health coaches, professional development coaches, technology strategists and much more.

Multi Factor Authentication (MFA) App Connection

As per your requests and in order to improve our security posture we have now added MFA for authentication apps. You can now enable MFA for email and all your favourite third party authentication apps.

Improved User Interface

Amongst the major features we have released we have also taken the opportunity at this time to improve the user experience and interface across the Platform.

These changes include:

• Simplified mobile position view
• Improved comparison chart with symbol label
• Updated mobile navigation bar
• Improved portfolio heatmaps throughout the Platform
• Updated Terms and Conditions 

We have also updated our Terms and Conditions to align with this version update. All current and new users should absolutely read these Terms and Conditions here.

‍

Thank you for reading our Version 5 Release notes! 

If you have any questions about these release notes, don't hesistate to reach out to us over social media, or drop an email to admin@eccuity.com, and we'll get back to you as soon as possible! Thank you.

‍