Business Model
Changing markets, essential AI, and the future of investment shaped by open platforms
The Investment Landscape is Fundamentally Changing
Global exchanges are building 24-hour trading systems. KRX is restructuring the market with a goal of 24-hour trading by 2027.
KRX Pre/After Market Opening Announcement
Korea Exchange officially announced the establishment of a 24-hour trading system to enhance global competitiveness. This signifies a paradigm shift in investment methods.
24 Hours
Trading System (2027.12)
7:00 AM
Early Market Opening
MTS/HTS
Mobile-Centric Trading
NYSE Arca
16-hour trading active
NASDAQ
24-hour trading planned
London SE
24-hour under review
HKEX
24-hour under review
Investing Without AI is Realistically Difficult
24-hour trading, 3,600 stocks, global market integration... Human capabilities alone have clear limitations.
Information Overload
Thousands of news, disclosures, and reports daily. Easy to miss important information.
Time Constraints
It's impossible for humans to monitor 24-hour markets.
Emotional Decisions
Fear and greed. Humans make investment decisions swayed by emotions.
Complex Analysis
Multivariate analysis, pattern recognition. Beyond human cognitive limits.
250 Trillion KRW
Korean investors' overseas stock investment
3,601
Real-time analysis of all KRX stocks needed
24/7
Global markets operate 24/7
AI is no longer optional—it's essential. ARETE AI Trade was born to solve this problem.
Closed Platform vs Open Ecosystem
Existing financial data platforms were only for large institutions with high costs and closed structures. ARETE is different.
Closed Platform
Bloomberg, Refinitiv, FactSet
- ✕High subscription fees over $20,000/year
- ✕API access restrictions and additional costs
- ✕Large institutions only, retail investors excluded
- ✕Proprietary data structure, not expandable
Open Ecosystem
A platform where everyone participates and grows
- Affordable subscription model (from $5/month)
- 80+ API endpoints fully open
- Designed for individuals, institutions, and developers
- Structure that grows with ecosystem participants
Everyone Gets Opportunities in the ARETE Ecosystem
Individual Investors
AI-powered personalized insights
Developers
Build your own services with APIs
Institutional Investors
Enterprise-grade analysis tools
Researchers
Research innovation with vast data
The Future of Investment We Believe In
ARETE AI Trade is not just a tool. It's a new paradigm where AI and humans collaborate to make better investment decisions.
“A Future Where Knowledge Connects, AI Analyzes, and Humans Decide”
We believe in the democratization of information. Everyone should have equal opportunities to make wiser investments with the power of AI.
Core Technologies That Make This Possible
Knowledge Intelligence
A knowledge graph connecting companies, sectors, news, and issues. Provides contextual insights.
Multi-Agent AI (MoA)
10+ specialized AI agents collaborate to perform multi-angle analysis.
Real-time Data Pipeline
Apache Pulsar-based system processing 3,601 stocks per second.
The Tomorrow We'll Build with ARETE
We're not alone. We're building the future of finance together with investors, partners, and users.
1M+ Users
Delivering value to everyone from individuals to institutions
Ecosystem Partners
Collaboration with brokers, fintechs, and research institutions
Continuous Growth
2027: Global stocks, 2028: Crypto, 2029: All assets
Market Opportunity: TAM → SAM → SOM
From Global Financial Data to AI Investment Tools, and the Korean Market - Verified Growth Potential
The global financial data market has surpassed $24 billion annually. Among this, the AI-powered investment tools market is experiencing explosive growth of over 26% per year, and South Korea's retail investor participation rate is the world's highest at 64%. ARETE AI Trade stands at the intersection of this massive opportunity.
Global Financial Data Services Market
The total market size for financial data services used by financial institutions, investors, and fintech companies worldwide. Includes real-time quotes, analytics tools, and research platforms.
$24.15B
2024
$42.1B
2032
8.5%
CAGR
1.7x
Growth Multiple
Source: Cognitive Market Research, Fortune Business Insights
AI Investment Tools & Robo-Advisory Market
The market for AI-based investment analysis, automated trading, and robo-advisory services. The fastest-growing segment in financial technology driven by technological advancement.
$14.29B
2025
$71.19B
2032
26%
CAGR
5x
Growth Multiple
Source: Precedence Research, Grand View Research
Korean AI Trading App Market
The AI investment app market based on Korea's high retail investor participation (64%) and active mobile trading. This is ARETE's primary target market for initial focus.
$260M
2024
$780M+
2030
20%+
CAGR
3x
Growth Multiple
Source: Ken Research, SNS Insider
Why Korean Market?
64%
Retail Investor Trading Ratio
2x higher than US/Japan (30%)
1,400M+
Active Traders
Rapidly growing MTS trading
3,601
Covered Stocks
100% KRX Coverage
Source: KRX, 금융감독원, Korea Securities Depository (2024)
ARETE's Market Strategy
Starting from the Korean market, we will dominate the domestic market with proven AI analysis technology. The high retail investor participation and mobile-friendly environment make it the optimal market. Global stock support for Korean users is planned from 2029.
14 Diversified Revenue Models
Discretionary investment + subscription, usage, transaction, platform, enterprise, and partnership models
Discretionary Investment (Core Revenue)
2 modelsDiscretionary Clients
0.5-2% of AUM/yearAsset-based management fee, Korean avg 1-1.5%
Performance-based Clients
10-20% of excess returnsPerformance fee on excess returns, high-water mark
Subscription-based
2 modelsRetail Investors
$5-$50/moReal-time data analysis, AI alerts, basic reports
Professional Investors
$100-$500/moAdvanced analytics, portfolio optimization, custom AI
Usage-based
2 modelsInstitutions
$10-$100/reportEOD analysis, deep AI reports, investment opinions
Developers/Fintech
$99-$499/mo80+ API endpoints, SDK, real-time websocket
Transaction-based
2 modelsActive Traders
0.1-0.5% per tradeMulti-broker integration, auto-trading execution
AI Auto-Trading Users
10-20% of profitsPerformance-based, high-water mark applied
Platform Fees
2 modelsStrategy Developers
30% of salesStrategy/Plugin marketplace, App Store model
Data Consumers
$100-$1,000/moPulsar real-time streaming, historical data
Enterprise
2 modelsFinancial Institutions
$50k-$500k/yearEnterprise license, on-premise, customization
Securities/Asset Managers
$100k-$1M/yearOEM solution, brand customization
Partnership
2 modelsBroker Partners
5-20% of feesReferral fees, co-marketing
Learners/Educators
$29-$99/moAI personalized learning, certification
14
Revenue Models
7
Revenue Categories
Licensed IAM
90%+
Cost Savings
Global Platform Pricing Comparison
ARETE's pricing competitiveness vs existing platforms
| Platform | Annual Cost | Users | Key Features |
|---|---|---|---|
| Bloomberg Terminal | $31,980/년 | 325,000+ | 데이터/분석/뉴스 |
| Refinitiv Eikon | $22,000/년 | 400,000+ | 데이터/분석/거래 |
| FactSet | $12,000-$45,000/년 | 190,000+ | 금융 데이터/리서치 |
| TradingView | $180-$720/년 | 50M+ | 차트/소셜 |
| ARETE AI TradeCompetitive | $60~$600/년~$5-$50/mo | Growing | AI + Data/Analytics/Trading |
Source: Bloomberg (2026), LSEG (2026), Vendr (2026), TradingView (2026)
Revenue Projections (Conservative)
2026 launch, realistic achievable targets
💡 Revenue Mix (2028): Discretionary 50% | Subscription 25% | Enterprise 15% | Partnership 10%
⚠️ Conservative basis: Based on Korean IAM early growth rates, <1% market penetration assumed
90%+
Cost Reduction (vs Bloomberg)
26%
AI Investment Market CAGR
64%
Korean Retail Investor Share
Competitive Advantage
Comprehensive analysis vs global platforms, Korean brokers, and AI advisory apps
Multi-Agent AI
10+ AI Agents
90%+ Cheaper
vs Bloomberg
Open Ecosystem
Full API Access
Korea Focused
KRX Real-time
Global Platform Comparison
| Platform | Annual Cost | Target | AI | Real-time | Korean | Open |
|---|---|---|---|---|---|---|
| ARETE AI Trade | $60-600/년 | Retail+Inst. | ||||
| Bloomberg Terminal | $31,980/년 | Institutional | ||||
| Refinitiv Eikon | $22,000/년 | Institutional | ||||
| FactSet | $12,000-45,000/년 | Institutional | ||||
| TradingView | $180-720/년 | Retail |
Source: Bloomberg (2025), LSEG (2025), FactSet/Vendr (2025), TradingView (2025)
Korean Securities Comparison
| Platform | Fee | AI Service | MTS | API | Real-time |
|---|---|---|---|---|---|
| ARETE AI Trade | 0.1-0.5% | Multi-Agent AI | |||
| 키움증권 영웅문 | 0.015%~ | Basic Analysis | |||
| 미래에셋 M-STOCK | 0.014%~ | AI Recommendation | |||
| 토스증권 | 0% | AI Earnings Translation | |||
| 삼성증권 mPOP | 0.0036%~ | AI Reports |
Source: Respective broker websites, InsightKorea (2025), Securities Digital Transformation Report (2025)
AI Advisory / Robo-Advisor App Comparison
| App | Fee | Fee Type | Returns/Function | Min. Invest | Features |
|---|---|---|---|---|---|
🇰🇷ARETE AI Trade | 월 $5-50 | Subscription | AI Analysis | No minimum | Multi-Agent AI + Real-time |
🇰🇷Fint | 0.768-1.176%/년 | AUM-based | 10.61% (1Y) | ₩100K | Korea Market Leader |
🇰🇷Fount | 15% 성과보수 | Performance | 5.35% (1Y) | ₩100K | Largest AUM |
🇰🇷AIM | 약 0.5-1%/년 | AUM-based | Stable Portfolio | ₩1M | KIS Partnership |
🇰🇷Quantec | 약 0.5-1%/년 | AUM-based | 35.26% (1Y Korea) | ₩1M | Highest Returns |
🇺🇸Betterment | 0.25%/년 | AUM-based | Market Tracking | $0 | US #1 Robo-advisor |
🇺🇸Wealthfront | 0.25%/년 | AUM-based | Market Tracking | $500 | Tax Optimization |
Source: Hankyung (2025.04), AI Times (2024), NerdWallet (2025), Bankrate (2025)
Technical Capability Comparison
| Feature | ARETE | Bloomberg | TradingView | KIS/증권사 |
|---|---|---|---|---|
| Graph RAG | ||||
| Multi-Agent AI (MoA) | ||||
| Multi-LLM Integration | ||||
| Real-time (sub-second) | ||||
| Multi-Broker | ||||
| Korean Stocks | ||||
| Open API | ||||
| K8s Scalability |
8/8
Tech Capability Score
$60-600
Annual Cost
10+
AI Agents
100%
Open API Rate
Compare the pros and cons of each platform from an investor perspective