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As fintech continues to evolve, so does the narrative around wealth—how it’s built, managed, and passed on. Last week’s Miami Fintech Club session, The Future of Digital Investments, brought that into sharp focus.
Hosted at BCP Global, the panel featured:
Their discussion, though rich in technical insights, kept circling back to something deeply human—access, understanding, and relationships.
Three Strategic Signals That Stood Out1. Private Markets Are No Longer Just for the Ultra-Wealthy
Thanks to new fintech platforms and fund structures, private markets are moving from exclusive to accessible. David López M outlined how vehicles like semi-liquid funds with minimums of $50K (versus the historical $10M) are opening doors to private equity, credit, infrastructure, and real estate for high-net-worth individuals.
This is not a fringe movement. It’s a structural shift in wealth allocation—and it’s growing rapidly in Latin America, where individuals already unknowingly have exposure to alternatives via pension funds.
“The perception of liquidity matters more than liquidity itself.”
– David López M, BlackRock
2. AI is a Co-Pilot, Not a Replacement
Whether it’s streamlining portfolio rebalancing, simplifying tax reconciliations, or helping clients navigate complex forms, AI is augmenting—not replacing—the advisor’s role. What emerged clearly is that AI’s greatest value today is in operational intelligence and client enablement.
Santiago Maggi framed it well: use AI where it makes sense, but don’t forget who your client is. Not everyone wants (or needs) full automation.
“Co-pilot models work best—especially when clients want to feel informed before they speak to an advisor.”
– Santiago Maggi, BCP Global
3. The Differentiator? Empathy and Access
In a world where information is a commodity, access is the differentiator, and empathy is the moat. Daniel Farmer emphasized how his firm focuses on family dynamics—estate plans, transitions, even soccer games—and how those life moments are where real value gets created.
As AI handles more analysis, the human element becomes more critical: understanding the unspoken, guiding long-term decisions, and navigating legacy.
“You’re no longer just a broker. You’re an involved manager—and sometimes a psychologist.”
– Daniel Farmer, FigTree
What This Means for Founders and Innovators
The panel closed with advice for fintech entrepreneurs. Build with longevity and clarity. AI may supercharge your tools, but if you're not solving a real, immediate problem for your target audience, you risk being five minutes too early—and running out of capital.
“Don’t just build what’s sexy. Build what solves.”
– Santiago Maggi
If you're targeting the next generation of wealth holders, understand their expectations: transparency, tech-native interfaces, and personalized, real-time guidance.
Scalto’s take
As a team deeply involved in branding and scaling fintech ventures, we walked away with a clear reaffirmation: differentiation lies in the combination of digital enablement and human nuance.
It’s not tech or trust. It’s tech-powered trust.
In the age of AI and cross-border finance, the firms that win won’t just offer smarter products—they’ll offer smarter conversations.
Let’s keep the conversation going.
What do you see as the biggest blind spot in today’s wealth-tech ecosystem?
