Sandbox Wealth

Family offices and RIAs that refer clients to outside banks for cash management and credit face a structural conflict: they lose visibility into a significant portion of the client's balance sheet and hand a relationship touchpoint to a competitor. Sandbox Wealth was built to close that gap. Founded by professionals with private banking backgrounds, it operates as a fintech intermediary connecting advisors and their clients to a network of banking and lending partners through a single open-architecture platform, without requiring the advisor to become a bank itself.

The platform aggregates financial data across banks, brokers, and investment accounts, including marketable securities, private equity, hedge funds, and structured products, and uses that consolidated picture to accelerate lending underwriting and cash management decisions. Sandbox also offers Sandbox Navigator, an AI-driven tool for generating insights from financial data and supporting documents. Lending capabilities currently available through the platform cover a wide range of collateral types:

• Structured notes and principal-protected assets
• Hedge fund interests and private equity portfolios
• Fine art, classic cars, and aviation assets
• Commercial real estate and small business debt

The platform holds SOC 2 Type II certification with no exceptions noted, and uses AES-256 encryption with multi-factor authentication and 24/7 monitoring. Sandbox positions itself as a white-label-ready infrastructure layer for RIAs and family offices that want to offer private banking under their own brand without the cost or regulatory burden of building it independently. The firm has raised $1.25 million and is at an early stage, which means buyers should weigh the depth of the partner network and product maturity carefully. Pricing is not publicly disclosed, and residential mortgage lending is listed as a 2026 roadmap item rather than a current capability.

• Connecting advisors and family offices to banking and lending partners
• Aggregating client balance sheet data across banks, brokers, and investment accounts
• Accelerating loan underwriting by providing lenders with real-time financial data
• Managing cash and optimizing yield across deposit accounts
• Providing consolidated visibility into liquid and illiquid assets
• Enabling advisors to offer private banking services without institutional affiliation

• Open-architecture lending network covering multiple asset and collateral types
• Balance sheet aggregation across banks, brokers, private equity, hedge funds, and structured products
• Sandbox Navigator AI tool for financial data and document insights
• Cash management with above-market interest on deposits
• SOC 2 Type II certified security infrastructure
• AES-256 encryption at rest and in transit
• Multi-factor authentication across internal and external systems
• 24/7 monitoring and continuous security surveillance
• Fine-grained data access controls for clients and partners
• Unified platform for banking, lending, and analytics in a single interface

Built for Single Family Office (SFO), Multi Family Office (MFO), Advisors / Wealth Advisors (RIA), Private Wealth Owners / Principals.

Team-based support with phone and in-person availability mentioned; dedicated team experienced in serving high-net-worth clients