Keystone by Smart

For governments, large organisations and financial institutions

Through Keystone by Smart, we offer Platform as a Service (PaaS) and white-labelling for governments (national or regional), banks, pension providers, asset managers, trade associations and affinity groups. These are enterprise solutions, which can be completely customised for your business and your marketplace.

The Smart solution to the global retirement technology problem

Over a million hours of R&D have gone into developing Keystone by Smart, the first global, cloud-native, workplace retirement savings platform. We are now ‘live’ on four continents, helping over a million savers plan for retirement, and spend in retirement, in partnership with some of the best-known financial institutions
in the world.

The result? A single global retirement technology platform that allows financial services organisations and governments to deliver for the needs of their customers and their citizens and can be adapted to changes in legislation today or in
five years’ time.

It enables everything from apps and web-based tools for employers and employees to full data migrations, allowing our partners to move or consolidate hundreds of thousands of accounts with ease.

Watch our co-founders introduce Keystone below, or read their introductory announcement here.

“Keystone is a unique piece of technology: a platform capable of transforming the sleeping giant of the fintech world – the $62 trillion global retirement savings market. It’s an area where the entire industry is crying out for a modern technology platform, to deliver better outcomes for governments, financial services organisations and their customers and citizens around the world. With already more than a million savers on the platform today and a trajectory to support tens of millions of users in the near future, Keystone will be as transformative for pensions and retirement as Octopus Energy’s Kraken platform already has been for energy.”

Simon Rogerson, CEO and co-founder, Octopus Group

Why choose PaaS or white-labelling for your retirement solution

Expand and diversify your product or service offering

Increase your revenue streams by expanding the scope of your products/services. Cross-promote new launches to attract new customers and increase customer loyalty to retain valuable existing ones.

Scale and grow your business much faster

Our platform provides infinite scalability so you can launch new products/services with minimal investment and without size, speed, capacity or geographic limitations. Partner with Keystone to grow for the future.

Build brand credibility and enhance brand reputation

An expanded product/service offering can provide a more comprehensive perception to your customers and provide a more rounded and complete product suite for them to access – a one-stop shop!

What you get with Keystone’s global PaaS offering

Innovative, award-winning technology

With an infrastructure designed to support the retirement plans of the future, our highly scalable platform is constantly adjusted to meet the needs of growing businesses and the continuously-evolving regulatory environment.

Profit delivery and results orientated

Our purpose-built retirement technology, which leverages our global experience, is designed to drive profitability and deliver results for employers and businesses of any size, large or small.

Optimised technology with local customisation

Whilst our technology is developed with our customers at the core in order to provide the most exceptional experience, our cloud-native platform can be easily adapted to comply with local regulatory needs and to fit individual business requirements.

Let Smarts CTO Sam Barton take you on a tour of Keystone. He explains how the platform makes retirement management simple for employers, advisers and employees, and for the governments and financial services organisations supporting their needs.

Keystone achieves this through its interactive API, automated and scalable processes and compatibility with payroll software, Alexa and Google Home interfaces. This ultimately results in real-time control of retirement savings for our end users.

Why choose Keystone as your PaaS or white-label partner

Lower costs and operational efficiencies

Our platform optimises operations by allowing key processes to be automated. Avoid the huge costs associated with frequent upgrades, migrations to newer models and the maintenance of legacy systems. Eliminate the time needed to develop, rigorously test and implement a platform from scratch.

Speed to market and faster product launches

Our proven platform facilitates rapid software launches and agile product builds that can be quickly and easily adapted to meet your changing needs. This allows you to enter new markets more quickly, with fewer barriers to entry. You can launch faster, and spend less time on maintaining the technology.

Reduced risk with future-proof platform

Backed by financial giants including Barclays, Legal & General and J.P. Morgan, our platform harnesses our expertise along with the best features from across the world. Collaborate with Keystone to launch successful products that resonate with customers, mitigating the risks associated with R&D.


Innovative workplace pension functionality to help your employees save for the future. One of the fastest, easiest to use pension products on the market.

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At-retirement functionality that gives members a flexible way to access their savings. They can easily manage their money and plan for retirement.

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Using our ‘Migration and Movement’ feature, we can migrate plans of any size onto the Keystone platform with absolute simplicity in comparison to legacy technology platforms.

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Data as a Service

Our ‘Data as a Service’ facility cleanses your data and gives you insight into how your users are engaging with their schemes, giving you the ability to optimise the service you offer.

Smart labs innovation

Our innovation team is constantly developing new ideas to help members make informed decisions about their financial futures. 

Now testing

Animated pension walkthrough

Gives members an overview of their pension figures, with a voice-over and fun graphics.

Now testing

Coming soon

Animated pension walkthrough

Gives members an overview of their pension figures, with a voice-over and fun graphics.

Now testing

Retirement planner

Members answer some questions and get a projected retirement income, including all of their personal finances.

Now testing

Coming soon

Retirement planner

Members answer some questions and get a projected retirement income, including all of their personal finances.

Contact us

Want to get in touch with our team? Let’s make sure you talk to the right people.