2025 has been busy. We shipped at pace, powered record transaction volumes (over two million in June alone), deepened our integrations, and helped firms like Monzo bring new investment journeys to market in weeks, not years. It’s progress we’re really proud of.
Just as important, though, is the foundation it’s built for what comes next – and we’re every bit as excited about the road ahead. Over the next 12–18 months, we’ll be rolling out improvements designed to make launches even faster, operations even more efficient, and outcomes even better for firms and investors.
As always, our roadmap reflects the areas that matter most to our firms – ensuring progress where it will make the biggest difference.
Here’s a look at what’s coming …
Transfers without friction
If you’ve read our recent blog, you’ll know that asset transfers remain one of the industry’s biggest pain points. We’ve already automated the end-to-end process and surfaced more events via webhooks, so firms and investors can see what’s happening, when it happens.
Next, we’re adding even richer data to both the API and our professional portal – including real-time updates direct from ceding providers. The goal is simple: a transfer experience that’s predictable, transparent and fast, whether you’re an adviser moving a book of clients across to your new platform, or a wealthtech onboarding at scale.
More investment choice
Soon we’ll be adding gilts to our range of investment options – complementing the exchange-traded instruments (ETIs) and funds that we currently support, to help advisers and investors build even more diversified portfolios.
We’re also upgrading our trading rails with intraday fractional trading. Right now, fractional trades are processed once a day. With this upgrade, we will be sending them to market as soon as they are instructed - meaning that customers benefit from instant pricing and real time trading. This is part of a whole host of broader ETI trading enhancements that will enable faster execution, expanded asset coverage, and improved market integration.
Bulk migration made simple
We’ve already made great strides in improving our migration support – and there’s much more to come. Expect bulk migration tooling for enhanced data validation, automation and reconciliation – streamlining large-scale migrations and further de-risking those big moves.
Flexible fees and more wrappers
Fee models aren’t one-size-fits-all. So, we’re adding more configurable structures, including family linking for adviser fees, and the ability to take fees from a nominated account.
When it comes to wrappers, ISAs/SIPPs/GIAs are just the start – integrated onshore bonds, offshore bonds and Junior SIPP solutions are all in the pipeline.
A smoother user experience
From a more intuitive interface, to workflow automation and real-time portfolio insights, we’re continuing to sharpen the user experience for advisers and investors alike.
Behind the scenes, we’re upgrading our banking platform too, – with broader payment options and smarter automation to cut down on manual effort.
Why we can move this fast (and keep quality high)
Moving quickly is only half the story. Staying steady is just as important – and we make sure we do both by following a few key principles:
- One codebase: Every firm runs on the same live instance, so updates land for everyone, at once
- API-first as a principle: Everything starts with the API. We’re our own customer, too – so our UI teams use it daily, giving our developers instant feedback on user experience and edge cases
- Modern stack. AWS + MongoDB = high observability, strong performance, and no downtime or planned maintenance for upgrades
- Cross-functional pods. Product, engineering and ops work side by side on domains like transfers, payments and trading
- Tried and tested. Thousands of end-to-end automation tests run on every deployment, so releases go live with confidence
It’s this approach that lets us deliver at a pace rarely seen in an industry where fortnight delivery cycles are still the norm – and it’s the focus of a future blog, where we’ll dive deeper into how Seccl’s engineered for speed (so watch this space).
That’s a quick tour of what’s on the horizon – from faster, more transparent transfers to broader investment choice, smoother migrations, flexible fees, and an even better user experience. Each step is designed to help firms launch more quickly, run their operations more leanly, and deliver stronger outcomes for their clients.