In the crypto industry, "trading strategies" used to be the "privilege" of a few hedge funds, quantitative institutions and professional traders; and now, with the launch of BetterPro AI computing power market, algorithmic capabilities have begun to be "modularized and commoditized" and shared with the entire ecosystem through open platforms.

This marks a new stage in financial technology: the era of intelligent collaboration.

Why does the RWA ecosystem need AI capabilities? After real-world assets are on the chain, they face more complex market variables than traditional crypto assets:

Supply and demand and policy changes from reality (such as real estate prices, carbon policies, interest rate fluctuations)

Diversified investment preferences (retail + institutions + compliant investors)

Non-standardized asset structure (real estate vs bonds vs carbon credits)

In this scenario, traditional human judgment and manual decision-making seem stretched. Only by combining large-scale data analysis capabilities, real-time computing capabilities, prediction capabilities, and execution capabilities can the "financial programmability" of RWA be truly unleashed.

This is exactly the problem that BetterPro AI computing power market wants to solve - to make smart trading from closed source to open, from institutional exclusive to everyone.

What is BetterPro AI computing power market?

BetterPro AI computing power market is not only an "AI tool set", but also an AI capability infrastructure platform that integrates model deployment, computing power allocation, data call, and strategy trading, playing the role of "intelligent operating system" in the RWA ecosystem.

It enables:

Developers can publish and train trading models

Ordinary users can call these models to complete strategy execution

The system can dynamically optimize platform-level pricing, liquidity, and risk control strategies

III. Detailed explanation of core functions

1. AI model call and strategy deployment

Developers or data scientists can upload their own AI models to the platform, such as for:

Liquidity prediction

Dynamic adjustment of lending interest rates

Risk control scoring mechanism

RWA asset price trend judgment

High-frequency trading strategy signal generation

Users can call these models through interface operations or API interfaces and use them for:

Automated asset allocation

Smart order routing

Multi-pool liquidity arbitrage

Volatility management strategy

All call behaviors are denominated in BET tokens, forming a sustainable data-model-trading closed-loop ecosystem.

1. Computing power resource bidding market AI model operation requires real-time computing resources. BetterPro provides users and developers with a schedulable, priced, and bid-able GPU/TPU computing power network through the built-in computing power market.

Computing nodes can come from the platform, self-built nodes or third-party contributors

Users pay BET according to usage time and resource level when calling the model

Support model operation priority setting and resource preemption mechanism

Result: Change AI computing power from "backstage cost" to "frontstage market", lower the threshold and improve efficiency. 3. Data API and historical market training platform The "basic fuel" of all AI models is data. BetterPro brings together:

On-chain transaction data (DEX transactions, NFT liquidity, etc.)

Off-chain real data (RWA asset prices, interest rate index, carbon credit score, etc.)

Historical K-line, Order Book, depth chart and other technical indicators

User behavior data and governance voting results and other on-chain preference data

Developers can use these data for offline training, or call online through real-time API, truly realizing "data as a service (DaaS)".

1. Reinforcement learning engine and strategy simulation Unlike traditional rule strategies, the AI ​​computing market supports reinforcement learning models (Deep Reinforcement Learning), which can learn better strategies through trial and error in the simulated market.

The simulation environment supports dynamic changes in multiple assets, multiple accounts, and multiple slippage points

Supports customized reward functions and stop-loss mechanism testing

The backtesting system accesses historical market conditions to verify the robustness and generalization capabilities of the model

Each model before final deployment must be strictly backtested and verified to ensure "trusted execution".

Value manifestation: "decentralized release" of AI and financial capabilities For developers Upload models to earn income through calls, truly realizing "algorithms are assets" No need to build infrastructure, focus on strategies and optimization itself The more platform users call, the higher the income, forming a positive cycle For ordinary users/investors No programming skills are required, you can use "institutional-level AI models" to complete asset allocation Multi-model comparison, transparent charging, pay by effect Pay the usage fee through BET and enjoy ecological incentives For platform ecology More accurate interest rate model, risk scoring, liquidation warning mechanism Asset identification capabilities in more dimensions to help compliance and standard setting Realize "intelligent flow" and "automatic management" of RWA assets Once, only Wall Street's supercomputers could predict interest rates and arbitrage paths; today, in the BetterPro AI computing market, you only need a wallet to own an AI think tank. BetterPro is turning "algorithmic capabilities" into "open markets" and "trading decisions" into "intelligent collaboration available to everyone." This is not only an upgrade of the RWA ecosystem, but also a "revolution in thinking" for the future of global finance.

These assets are collectively referred to as RWA (Real World Assets). They represent a huge amount of value precipitation in the real economy, but have long been trapped in the limitations of "cannot be on the chain", "poor liquidity" and "high threshold".

The RWA Launchpad launched by BetterPro is a breakthrough in this dilemma. It is the "first foothold" for real assets to go on the chain, and it is also a foundation for the global financial digitalization process.

1. Why do we need "RWA Launchpad"? In the traditional financial market, asset securitization is no longer a new term. However, there are still three major obstacles between on-chain assets and real assets:

Complex confirmation of ownership: unclear asset ownership and rights structure

Difficulty in compliance: inconsistent regulatory policies in various countries, high cross-border issuance costs

Technical barriers: high threshold for on-chain issuance, need for smart contract development, and KYC/AML system integration

RWA Launchpad was born to solve these three major problems. It is a complete channel that turns "assets" into "on-chain financial products" and a "processing plant" that successfully transforms traditional financial assets into combinable, tradable, and verifiable digital assets.

Detailed explanation of the five core functions of RWA Launchpad

1. Asset compliance review and confirmation of ownership Without confirmation of ownership, there is no value. Launchpad first provides legal structure construction and confirmation of ownership support for the asset party to ensure that every asset to be on the chain has a clear, legal, and traceable ownership basis.

Review the authenticity of assets (ownership certificates, transaction records, audit reports, etc.)

Access to third-party audit and legal service agencies

Issue compliance certification documents required for on-chain issuance

1. Establishment of special purpose vehicles (SPVs) In order to achieve legal isolation between assets and project issuers, RWA Launchpad helps asset parties establish SPVs (Special Purpose Vehicles) to hold and manage on-chain assets, and perform functions such as income distribution and tax settlement.

Supports registration of structures such as VCCs and trust funds

Customize SPV architecture according to the laws of the country

Ensure asset isolation, clear debts, and transparent rights and interests

1. Smart contract issuance and parameter design Launchpad has a built-in smart contract module that supports standardized issuance logic of assets, including the number of tokens, equity ratios, lock-up rules, interest distribution, etc., and can be quickly deployed through modular interfaces.

Support for mainstream standards such as ERC-20/ERC-1155/ERC-3643

Tokenization templates for asset mapping (debt type, equity type, income sharing type)

Set parameters such as "redemption period" and "dividend cycle" in accordance with actual assets

1. Automated KYC/AML verification process

To meet global compliance standards, Launchpad introduces automated identity verification and anti-money laundering systems. All investors and asset parties must complete identity verification before participating to ensure that the platform operates under a compliance framework.

Multilingual KYC verification process

Enterprise-level KYC (e-KYC)/Institutional KYC (KYB) support

Access to AML global blacklist scanning system

Seamless connection with third-party identity verification platforms (such as Chainalysis, Jumio)

1. On-chain registration and initial distribution After completing asset confirmation and contract deployment, Launchpad is responsible for registering assets to the main chain, and performing initial distribution and evidence storage to form a complete on-chain registration system:

Issuing blockchain asset registration certificate (On-chain Certificate)

Opening the initial issuance channel (such as public offering/private offering/bulk subscription)

Automatically record distribution and establish an on-chain member register (Token Ledger)

Ownership information is written into the smart contract to facilitate subsequent transfer and transaction

Why choose BetterPro's RWA Launchpad?

Strong financial background BetterPro is backed by the global smart investment advisory platform Betterment, with more than ten years of asset management and compliance practice experience, and is not a pure technology company.

Complete compliance qualifications The platform has obtained US SEC exemptions, Canadian registration and filing, and has established cooperation with legal institutions in Europe and Asia to provide support for cross-border asset compliance.

Leading technology From SPV generation, contract deployment to KYC verification and data synchronization, BetterPro Launchpad has built a complete set of automated, standardized and modular RWA issuance tool chains.

Strong scalability Supports multi-chain parallel issuance (such as Ethereum, Polygon, BSC), and has cross-chain bridging and trading functions to facilitate the subsequent circulation of assets between different platforms.

Complete community and governance system Through the VE governance mechanism, asset holders and issuers can jointly participate in project rule setting and profit mechanism adjustment to achieve "on-chain community co-governance".

In the overall strategy of BetterPro, RWA Launchpad is the starting point of "value digitization", but it is by no means limited to this. It will undertake more functions and visions in the future:

Central platform for cross-border asset financing and trading

ESG and green asset on-chain certification and pricing system

Seamlessly integrated with modules such as CEX, NFT platform, AI computing market, etc.

Become the "Infrastructure as a Service (Infra-as-a-Service)" of global RWA project parties

Just as the Internet platform once structured and opened up "information", RWA Launchpad will also complete the "repackaging" of the global value structure in the next few years, allowing more real assets to radiate "on-chain vitality".

At a time when traditional finance and the crypto world are constantly intersecting, RWA (real-world asset) tokenization has become a key engine to drive the evolution of global financial infrastructure. It not only reshapes the ownership, liquidity and composability of assets, but also opens an era of "real-world value chainization".

In this unprecedented change, BetterPro is rapidly building a three-dimensional ecosystem around the complete life cycle of RWA, opening up the entire chain of asset chaining, circulation, management, pledge, governance and trading, and jointly building a credible, compliant and efficient digital asset world for investors, asset parties, developers and financial institutions.

RWA Launchpad: The starting point of real assets on the chain

RWA Launchpad is the first stop of the BetterPro RWA ecosystem, providing a one-stop asset chaining solution for enterprises, government agencies, asset holders, etc. It is not only a technical platform, but also a guarantee mechanism for legality and compliance.

Core functions include:

Asset compliance review and title confirmation

Special purpose vehicle (SPV) establishment

Smart contract issuance and parameter design

Automated KYC/AML verification process

On-chain registration and initial distribution

Through Launchpad, companies can securely put real assets such as real estate, debt, accounts receivable, infrastructure projects, carbon assets, etc. on the chain in the form of programmable, tradable, and auditable tokens.

RWA lending platform: asset pledge, release liquidity

On-chain liquidity is the fundamental driving force for the prosperity of the RWA ecosystem. BetterPro RWA lending platform provides a mortgage loan channel for asset tokens, allowing coin holders to obtain liquidity without selling assets.

Functional highlights:

Support RWA assets as collateral

Multi-currency lending (such as USDC, DAI, wBTC)

On-chain smart clearing mechanism

Real-world interest rate reference and AI risk control scoring system

VE governance system: a new paradigm of financial governance

BetterPro introduces a veToken-like model governance mechanism, allowing holders of platform tokens (such as $BET) to have the right to participate in governance, including key decisions such as interest rate adjustments, asset on-chain access, and platform revenue distribution.

Governance modules include:

Governance proposal creation and voting mechanism

Voting weight lock model (Voting Escrow)

Governance participation incentives (voting rewards/airdrops)

DAO-style community proposal mechanism

Fragmented NFT platform: Make real estate and artworks "everyone can own"

In reality, a building, a work of art, or a copyright cannot usually be split in small amounts. But through NFT's fragmentation technology, BetterPro enables these high-value assets to be disassembled into shares for mass investors.

Support ERC-721/1155 standard fragmentation

Smart contracts for asset locking and segmentation

On-chain secondary trading market supports liquidity

Can be linked to real legal frameworks (such as trusts) to protect ownership relations

AI computing power market: Unleashing the value network of smart transactions

As the "operating system" in the RWA financial ecosystem, BetterPro's built-in AI computing power market is not only a backend service, but also a resource market for AI capabilities. It makes smart trading, asset risk control, and income forecasting no longer rely on a few institutions, but become open ecological services.

Core functions:

AI model call and trading strategy deployment

Computing power resource bidding market

Data API/historical market training platform

Reinforcement learning engine simulation and verification

From RWA Launchpad to CEX, from VE governance to AI computing power, from NFT splitting to on-chain lending, BetterPro is not a single point product, but a complete financial "infrastructure community". It is pulling real assets into the smart network, returning investment power to users, and embedding trust mechanisms behind every transaction.

In an era of rapid changes in the financial order, BetterPro is answering a question with action:

"How do we bring the world's value to the chain?"

📣The answer is being constructed, and you are witnessing it.

Who owns the assets? Who can participate? Do the assets really belong to everyone?

In the traditional financial system, these issues are often obscured by institutions, barriers, regulations, regions, and thresholds. However, with the maturity of blockchain technology and the acceleration of the global financial digitalization trend, a new paradigm - RWA (Real World Assets) on the chain is rapidly emerging and may become a "reshuffler" for the global wealth pattern.

And BetterPro is the pioneer and promoter of this historic wave.

What is RWA? Why is it so critical? RWA refers to the digitization of real-world assets - such as real estate, bonds, accounts receivable, gold, carbon assets, intellectual property, and even music copyrights and artworks - through blockchain technology and converted into tradable tokens. In essence, it is to turn "real-world value" into "verifiable, programmable, and tradable" digital assets.

Why is RWA regarded as the "last mile of blockchain" today? Because it has three breakthrough values:

1. Breaking the participation threshold and giving more people the right to invest Traditional assets such as commercial real estate and corporate debt are usually only available to institutions and high-net-worth individuals, but through tokenization, split participation can be achieved, allowing ordinary investors to "have a piece of the pie".

2. Activate dormant assets and improve global liquidity For example, real estate usually takes months to complete transactions, but after tokenization, it can be circulated on the chain in real time like stocks, opening a new window for global asset allocation.

3. Improve transparency and trust mechanism The traceability and tamper-proof characteristics of blockchain make the source, valuation, holding and transfer records of assets more open and transparent, avoiding "black box operations" and gray transactions.

According to BCG's forecast, the total market size of RWA tokenization will exceed US$16 trillion by 2030. It is no exaggeration to say that RWA is the "bridge asset" that connects the real value of the off-chain world with the digital efficiency of the on-chain world.

BetterPro: A technical platform built with financial logic, truly serving asset chain BetterPro was spun off from Betterment, the world's leading smart investment advisory platform. It inherits the parent company's more than ten years of technical capabilities in financial asset allocation and risk control, and integrates the new generation of blockchain and AI technology, and is committed to building the world's first compliant, secure and intelligent RWA aggregate asset trading platform.

Investment bank-level logic + blockchain technology integration On the technical level, BetterPro has built an integrated RWA full-process platform from underlying links, asset chain, token issuance, transaction circulation, compliance audit, risk assessment to community governance. It not only solves "how to issue", but also solves "how to use", "how to flow" and "how to manage".

The platform integrates a number of cutting-edge technological capabilities:

Multi-chain interoperability protocol: supports mainstream chains such as Ethereum, Polygon, and BSC to build a globally interconnected asset network;

AI execution engine: a quantitative engine based on deep reinforcement learning, automatically executes strategies and improves transaction efficiency;

ZKP privacy protection system: protects investors' sensitive information while ensuring compliance and transparency;

Smart contract asset custody and risk control model: realizes the automated closed loop from "custody → distribution → liquidation".

In terms of compliance, BetterPro has obtained the US SEC exemption qualification and the registration and filing of the Canadian Department of Innovation and Economic Development, and is gradually promoting the implementation of multi-regional compliance qualifications in Europe and Asia.

The BetterPro team has always adhered to a belief:

"We don't want to subvert traditional finance, but want to empower it and make finance truly belong to everyone."

This belief is reflected in the three missions of BetterPro:

1. Establish a globally standardized, compliant, and secure RWA issuance and trading infrastructure Provide a set of transparent, reliable, and auditable chain standards for assets in different countries and industries, and build a bridge between off-chain assets and on-chain protocols.

2. Achieve efficient asset management through multi-chain integration and AI-driven Use technology to drive asset allocation, shift from "manual experience" to "intelligent insight", improve efficiency and reduce errors.

3. Lower the threshold for global investors to participate and achieve fairer wealth distribution No longer needing an investment threshold of hundreds of thousands of dollars, and no longer relying on traditional intermediary structures, ordinary users can also participate in global high-quality asset allocation with one click.

In terms of global strategy, BetterPro has planned the compliance implementation of the three core nodes in North America, Europe and Asia to form a distributed network service. By cooperating with more than 100 trading platforms, custodians, audit firms, and law firms around the world, we will build a global collaborative network from multiple dimensions such as law, technology, market, and education.

We believe that RWA is not a financial opportunity for a certain country, but a financial reshuffle for the entire world.

RWA: The engine that ignites the financial logic of the new era

RWA (Real World Assets) refers to “real world assets”, including real estate, debt, accounts receivable, gold, private equity and other assets with confirmed value off the chain. Through digitization and tokenization with blockchain technology, these traditional assets are given programmability and liquidity, realizing the attribute transition of “tradable, combinable, and cross-border”.

Why has RWA become the new focus of financial technology?

Improve liquidity: assets with low liquidity, such as real estate and debt, can be divided, traded and mortgaged more conveniently on the chain.

Lowering the threshold: Through small-amount and share-based tokens, ordinary investors can also participate in high-quality assets that were originally exclusive to institutions.

Improving transparency: With the immutable nature of blockchain, ownership structure and transaction records are clear and traceable.

Complying with regulatory trends: Many places around the world have begun to formulate frameworks for asset chaining, and supervision is maturing.

According to Boston Consulting Group, by 2030, the RWA tokenization market size will exceed US$16 trillion, of which only 0.5% of the market share means more than US$800 billion of incremental space.

Betterment: From smart investment advisor to chain pioneer

As the world’s leading smart investment advisor platform, Betterment has more than ten years of asset allocation experience, serving millions of users and managing assets of tens of billions of dollars. In the field of financial technology, Betterment has long adhered to the concept of “technology empowering finance” and has previously formed deep technical barriers in automated investment portfolios, tax optimization, cash flow management, etc.

Facing the new RWA track, which is full of potential but highly complex, Betterment chose to “forward-looking deployment and independent advancement”:

-Officially split its blockchain business in 2023 and establish an independent sub-brand BetterPro -Recruit core members from institutions such as Goldman Sachs, JPMorgan Chase, MIT, MILA, etc. to form a global team -Establish North American headquarters and promote compliance network layout in Europe, Asia and other places

BetterPro is not an impulsive blockchain project, but an inevitable strategic landing after Betterment’s deep insight into future financial trends.

BetterPro: A full-process, compliant, AI-driven RWA platform The core goal of BetterPro is to create a “one-stop RWA aggregation asset trading platform” to achieve a complete closed loop from asset chain to global configuration.

Four core advantages of the platform:

1. Full-process asset tokenization tool chain BetterPro provides all the tools required for RWA asset chain, including asset confirmation, SPV establishment, smart contract issuance, compliance audit, primary issuance (Primary), secondary trading (Secondary), etc.

2. Strict compliance and security The platform has obtained exemption from the US SEC and registration with the Canadian Department of Economic Development. It fully integrates the KYC/AML process to ensure compliance and transparency for global investors. The security team comes from first-tier Internet companies such as Google and Facebook to ensure asset security.

3. AI-driven intelligent engine The built-in AI quantitative module supports millisecond-level strategy execution. Based on deep reinforcement learning and multi-dimensional market data, it continuously optimizes transaction paths and asset allocation plans to create a truly “smart asset management platform”.

4. Multi-chain support and global liquidity network The platform supports the issuance and circulation of multiple chains such as Ethereum, Polygon, and BSC, builds a cross-regional, efficient and interconnected global asset flow network, and promotes RWA to truly realize cross-border transactions and collaborative configuration.

5. Multiple Ecosystem Construction, RWA is not limited to “on-chain” BetterPro does not stop at “asset issuance”, but is committed to building a full-stack financial ecosystem centered on RWA, covering but not limited to:

· RWA Launchpad: Help enterprises/asset parties complete asset on-chain

· RWA lending market: Support on-chain pledge lending

· Secondary trading platform: Provide liquidity and value discovery

· NFT splitting platform: Support the distributed circulation of real estate and other assets

· VE governance mechanism: Community co-governance, co-construction of platform rules

· AI computing power trading market: Integration of on-chain AI resource scheduling and financial services

In the future, BetterPro will also expand to payment systems, DeFi docking, DAO governance, credit rating, supply chain finance, metaverse asset confirmation and other scenarios to achieve deep integration of RWA and Web3.

Focus on innovation and compliance, dual-brand strategy takes shape

In recent years, with the rapid development of blockchain technology and the continuous growth of the digital asset market, the boundaries between traditional financial assets and digital assets have become increasingly blurred. RWA, that is, real-world assets, as a bridge connecting off-chain value and on-chain capital, is becoming a new growth point in the capital market. The digitization of physical assets such as real estate, corporate debt, accounts receivable, and intellectual property rights has not only improved liquidity, but also brought investors diversified asset allocation opportunities.

As the leading digital financial management platform in the United States, Betterment has long been committed to providing ordinary investors with low-threshold, intelligent financial management tools and services. As the potential of the RWA market emerges, the company has spawned an innovative business unit, BetterPro, that focuses on this field. In order to better respond to regulatory requirements and improve the level of specialization, BetterPro will be independently spun off in 2023 and registered as a formal investment management company.

This move has achieved a dual distinction between the business and brand of Betterment and BetterPro: the parent company Betterment continues to deepen its presence in the retail financial management market and consolidate its position as a leader in the mass digital investment advisory industry; while BetterPro focuses on the more complex RWA market, providing institutional investors with professional, compliant and innovative asset management solutions.

BetterPro explores the new blue ocean of RWA and creates an institutional exclusive investment platform

As the innovation engine of the Betterment Group, BetterPro is tasked with exploring the digitization of real-world assets. By integrating cutting-edge technologies such as blockchain, smart contracts and big data, BetterPro is committed to achieving on-chain mapping and structured design of assets, thereby improving the transparency, liquidity and composability of traditional assets.

BetterPro's core business covers:

RWA asset digitization: digitally mapping real assets such as real estate income rights, corporate debts, and supply chain assets to form tradable on-chain assets;

Compliance risk control system: strictly abide by US and international financial regulatory regulations, and establish a complete due diligence, anti-money laundering and compliance review process;

Structured product design: combine investors' risk preferences, design diversified asset portfolios and income distribution plans, and realize customized institutional investment services;

Global asset circulation: build an international investment platform to promote efficient matching of cross-border capital and real assets.

Through the above layout, BetterPro not only provides institutional investors with new investment channels, but also effectively reduces the threshold and cost of traditional RWA asset circulation, injecting new vitality into the digital financial ecosystem.

Betterment sticks to the retail position and deepens the smart financial management ecosystem

At the same time, as the parent brand, Betterment still focuses on retail financial management business and continuously upgrades smart investment advisory products and services. Relying on leading algorithm models and data-driven, the company helps individual investors realize the automation of asset allocation, risk management and goal planning, covering retirement planning, tax optimization and other scenario needs.

Betterment continues to expand its user base and improve customer stickiness. It strengthens the platform's service capabilities and user experience through open APIs and partner ecosystems. Its low-threshold, intelligent financial management model has become an important entry point for ordinary investors to enter the capital market.

Dual-engine drive to build a full-spectrum customer service system

BetterPro and Betterment's "dual brand, dual business" strategy work together to form a full-spectrum coverage from long-tail retail customers to high-net-worth institutional investors. Through the deep integration of innovative technologies and service models, the group has achieved business diversification and risk dispersion, effectively improving its market competitiveness and sustainable growth capabilities.

This model not only helps the group gain a first-mover advantage in multiple asset categories, but also lays a solid foundation for possible financial ecological integration in the future. The high-end RWA products provided by BetterPro enrich investors' asset allocation options; Betterment continues to play its leading position in the mass financial management market and expand its user base.

Looking ahead, BetterPro will continue to increase its R&D and market investment in the RWA field and explore the digitalization possibilities of more asset categories, including green energy projects, intellectual property rights, infrastructure, etc. Through technological innovation and compliance construction, BetterPro strives to become a leader in the RWA market and promote the deep integration of physical assets and digital capital.

At the same time, Betterment will continue to improve its smart investment advisory services, optimize customer experience, and help more ordinary investors achieve wealth growth and asset preservation.

Overall, the dual-engine strategy of BetterPro and Betterment not only realizes the professional division of labor and complementarity of business, but also promotes the upgrading of the digital financial ecosystem, bringing more diversified and fair asset investment opportunities to all types of investors.

About BetterPro

BetterPro was established in 2023 and is a regulated institution focusing on the digitization and structured investment management of real-world assets (RWA). As an innovative business branch of Betterment, BetterPro is committed to integrating traditional assets with digital technology to create a compliant, safe and efficient investment platform to serve global institutional investors.

About Betterment

Betterment was established in 2008 and is a leading digital financial management platform in the United States, focusing on providing smart and low-cost financial management solutions for individual investors. Betterment helps clients achieve their financial goals through algorithm-driven asset allocation and automated management, and has accumulated more than tens of billions of dollars in assets under management.