Retail investing platforms have spent a number of years racing to become “everything apps” for finance, piling on stocks, crypto, banking and payments in a bid to keep users inside a single ecosystem.

But for moomoo, the next battle isn’t about who offers the most assets.

It’s about who gives retail investors the same level of intelligence and execution long reserved for Wall Street institutions.

“We want to democratize access to the best tools that have historically only been available to institutional investors,” Albi Mema, director of crypto operations at moomoo U.S., told CoinDesk in an interview. “A decade ago the issue was access. Now it’s the quality of access.”

“Moomoo is built for the retail investor who has…