Today, more and more companies are working to accelerate the unbundling of financial services for the benefit of regular people, with Passiv offering a Canadian investment platform that automates brokerage accounts and helps users avoid high management expense ratios. The company partnered with Alpaca to offer its service to American investors, allowing them to build their own free, personalized robo-advisor service without advice. By using Alpaca's API brokerage and Passiv's webapp, Americans can save on wealth management fees and have more control over their portfolios, all with a seamless integration that requires only signing up and linking accounts. Both platforms are free to use, but users can upgrade to unlock premium features like one-click trading.