ICP // For Retail Brokers

AI systems, built for retail brokers.

We are an AI engineering partner for retail CFD, FX, crypto and prop-firm brokerages. We design around MT4/MT5, cTrader, DXtrade, PrimeXM, oneZero, B2Core, FYNXT, Sumsub, Praxis and Match2Pay — and the dealing, retention, IB, compliance and marketing workflows around them.

The retail broker business changed. FTD conversion is the whole game, but the funnel is leakier than ever. The dealing desk needs to see toxic flow in seconds, not the next morning's report. Retention leadership can't afford to keep sending the same three emails to every dormant client. IB networks are half your growth engine and none of your visibility. And compliance is now an architectural discipline, not a review gate.

This is where we specialise. KJ Capital is a small, senior AI engineering studio focused on financial firms. Retail brokerages — regulated, offshore and hybrid — are a core design domain. We map the vendors, regulatory perimeter, LPs, PSPs and the places in the stack where a measurable workflow can improve.

Book the Dealing Desk Diagnostic See how we engage

Broker stack fluency

The broker stack we plug into

We are not a horizontal AI consultancy. Our architecture is designed around the systems broker teams already use.

Trading

MT4
MT5
cTrader
DXtrade
Match-Trader
TradeLocker

Liquidity

PrimeXM
oneZero
Centroid
Match-Trade
Brokeree
Your Bourse

CRM

B2Core
FYNXT
Skale
Impact Telecom
Leverate
UpTrader
Salesforce FSC

KYC / AML

Sumsub
Ondato
ComplyAdvantage
SEON
Onfido

PSP

Praxis
Match2Pay
PayRetailers
Zotapay
Confirmo

Regulators

FCA
CySEC
ASIC
DFSA
VARA
FSCA
CIMA
SVG FSA

What we ship

Eight places we move a number for retail brokers.

Head of Dealing · Head of Risk

Dealing Desk AI

The modern broker dealing desk is an AI problem, not a headcount problem. We ship real-time toxic-flow scoring, per-client and per-symbol A/B routing recommendations, LP scorecards and exposure alerting — plugged into your existing bridge without touching the terminal.

Head of Compliance · COO · Head of Onboarding

Client Onboarding & KYC

Every dropped applicant between deposit intent and approved account is lost opportunity. We design AI-orchestrated onboarding that can accelerate clear cases, escalate uncertainty to accountable reviewers, and retain the evidence needed for audit.

CFO · Head of Payments · COO

Deposit & Funding Recovery

Deposits fail. PSPs decline. Cards get flagged. The vast majority of it is recoverable if the system reacts intelligently in the moment — instead of waiting for the client to try again on their own (they usually don't).

Head of Retention · CMO · Head of VIP

Retention & Dormancy

The economics of retail broking are simple: you spent hundreds of pounds acquiring each trader. Losing them silently to a competitor after three months is the most expensive thing your business does. We build the AI that catches them before they leave.

Head of IB · CFO · Head of Compliance

IB & Affiliate Intelligence

Most brokers still manage their IB networks on spreadsheets and monthly PDFs. The small IBs never get an activation nudge, the big IBs are never actually audited, and coordinated fraud rings quietly siphon commission. AI closes all three gaps.

Head of Compliance · MLRO · SMF16/17

Trade Surveillance & Comms

Rule-based surveillance drowns compliance teams in alerts nobody has time to read. We build AI surveillance that ranks alerts by regulatory materiality, transcribes and screens every channel — including WhatsApp and Telegram — and produces the audit trail a regulator can follow.

CMO · Head of Compliance · Head of Content

Compliance-Safe Marketing

The bottleneck in broker marketing isn't creative. It's the four rounds of compliance ping-pong that turn a two-week campaign into an eight-week one. We build the AI layer that gets it right the first time.

Founder · COO · Head of Risk · Head of Trading

Prop Firm Operations

Evaluation-based prop firms are one of the most AI-native businesses in trading. Challenge design, funded-trader lifecycle, payout risk and fraud detection are all model problems. We build the models — for FTMO-shaped, The5%ers-shaped, FundedNext-shaped firms and everyone in between.

Implementation guides

From brokerage problem to operating system.

Explore the architecture and cost decisions behind three broker workflows: a reliable B-book exposure ledger, a controlled dealing desk copilot and recovery of stalled trader funding journeys.

B-book exposure monitoring

Build a reconciled, time-aware view of positions and desk limits before adding alerts or automation.

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Dealing desk copilots

Connect desk knowledge and live context with permissions, evidence and human approval.

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Trader funding recovery

Join payment events to the trader journey and route failed or abandoned funding to an appropriate next step.

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B-book monitoring costs

Compare data, implementation, integration and ongoing control costs before choosing a build approach.

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Dealing desk copilot costs

Scope knowledge, permissions, evaluation and running costs for a controlled desk assistant.

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Funding recovery costs

Estimate payment-event integration, journey orchestration and operating costs for recovery workflows.

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How brokers engage us

Diagnostic → Build → Operator.

A productised path with fixed scope, fixed price, fixed duration. You always know what you're getting and what it costs before you sign.

Step 01

AI Diagnostic

£15k · 2 weeks

A senior AI architect embeds with your team for two weeks. Ships a written blueprint, a working proof-of-concept against your real data and a fixed-price roadmap for Build.

Step 02

AI Build

From £75k · 6–12 weeks

Pick from eight productised builds: Dealing Desk AI, KYC & onboarding, deposit recovery, retention, IB intelligence, comms surveillance, compliance-safe marketing, prop-firm ops.

Step 03

AI Operator

From £8k/mo

We continue as your fractional AI engineering team — owning the roadmap, shipping weekly, monitoring what we deployed, sitting in your standups.

Frequently asked

What broker teams ask us before signing.

Q01Do you work with offshore brokers as well as regulated?+

The architecture can be designed for regulated, offshore and hybrid group structures, subject to the firm’s qualified legal and compliance interpretation. Each legal entity and jurisdiction gets explicit policy, data and approval boundaries.

Q02Do you build inside MT4 and MT5 or alongside them?+

Alongside. We consume MT4/MT5 flow via the Manager API, Gateway feeds or your bridge (PrimeXM, oneZero, Centroid) and expose AI systems as services your dealing, retention and compliance teams call from the tools they already use. We do not modify the terminal itself, which keeps you MetaQuotes-safe and license-safe.

Q03How fast can you show a broker something real?+

The 2-week AI Diagnostic (£15k) produces a written blueprint, a working proof-of-concept against a slice of your real data, and a fixed-price roadmap for the first Build. Most engagements close on a productised Build within 2–4 weeks of the Diagnostic ending.

Q04Who owns the IP and the models?+

You do. Every KJ Capital build ships to your infrastructure (AWS, Azure, GCP or on-prem), with your data staying in your tenancy, your model choices (frontier, open-weights or private) and full source-code delivery. We do not resell your data, we do not train on it, and we do not lock you into a proprietary runtime.

Q05Do you help with A-book vs B-book decisions?+

This is within scope. A Dealing Desk AI design can cover real-time toxic-flow scoring, LP scorecards, per-client and per-symbol routing recommendations, and exposure alerts, with the desk retaining authority over policy and automation thresholds.

Q06Do you integrate with our existing CRM instead of replacing it?+

Yes — we integrate. B2Core, FYNXT, Skale, Impact Telecom, Leverate, Salesforce FSC and custom in-house CRMs are all fine. We layer AI (segmentation, next-best-action, dormancy prediction, IB scoring) on top of your CRM's data rather than force a migration.

Q07Can you handle WhatsApp, Telegram and voice call surveillance?+

Yes. Our comms surveillance work covers WhatsApp Business, Telegram, WeChat, email and voice — transcribed, translated where needed, screened against MiFID II, FCA COBS, ASIC RG 271 and CySEC directives, and surfaced to compliance in a triage queue rather than a wall of alerts.

Q08What does 'AI Operator' actually mean for a broker?+

After a Build ships, KJ Capital continues as your fractional AI engineering team on a monthly retainer (from £8k/mo). We own the AI roadmap, ship new capabilities weekly, monitor the systems we deployed, and sit in your standups. It's the difference between a project that decays and one that compounds.

Q09Which broker stacks do you have the most experience with?+

MT4/MT5, cTrader, DXtrade, Match-Trader and TradeLocker can sit alongside bridges, CRMs, KYC vendors and payment providers. The Diagnostic confirms which interfaces are available and whether a custom OMS, in-house KYC or unusual PSP mix changes scope.

Q10How do you price a Build for a broker?+

Productised, not time-and-materials. Fixed scope, fixed price, fixed duration — typically £45k–£300k depending on which of the eight broker capabilities you're shipping first. You see the price before you sign, and we deliver against it or we don't get paid.

Talk to us

Two-week Dealing Desk Diagnostic. Fixed price. Real proof-of-concept.

The £15k Diagnostic is the fastest way to see what a KJ Capital build inside your firm actually looks like — written blueprint, working PoC on your data, and a fixed-price roadmap.

Book the Dealing Desk Diagnostic Send a two-line brief