GenTwo Research White Paper · 20 January 2026

Financial Engineering-as-a-Service.

How financial institutions capture value and fuel growth at the convergence of three market imperatives — Scaling, Capital Efficiency, and Assetization — forming a new category within the $278 billion Financial Markets Infrastructure industry.

$278bn
Financial Markets Infrastructure industry
$78tn
Non-bankable asset opportunity
$7.4tn
Off-balance-sheet at three leading US banks
$100tn+
New & transformed assets to unlock

The Report

Seven sections · Read in any order
01
Executive Summary
Three powerful market forces converge to form a new category — Financial Engineering-as-a-Service — already enabling institutions to design, create and manage products at scale and off the balance sheet.
01The Convergence
4 min
02
The Scaling Imperative
Why legacy infrastructure constrains competition, the make-or-buy dilemma, and how a rapidly evolving FMI sector is driving $278 billion in annual modernization.
02The Make-or-Buy Dilemma 03The $278bn FMI Stack
8 min
03
The Capital Efficiency Imperative
Scaling beyond the balance sheet: the $7.4 trillion off-balance-sheet opportunity, Basel IV pressures, and how capital efficiency translates directly into ROE.
04The $7.4 Trillion Opportunity
7 min
04
The Assetization Imperative
Converting virtually any asset, idea or data stream into an investable product — unlocking a $78 trillion non-bankable universe and entirely new revenue streams.
05The $78 Trillion Non-Bankable Universe
8 min
05
The Case for Financial Engineering-as-a-Service
How the convergence of the three imperatives establishes a new FMI sub-category — and the three core problems FEaaS solves through an infrastructure-first approach.
06Generation One vs. Generation Two
9 min
06
The Strategic Advantage of GenTwo Infrastructure
Seven reasons GenTwo serves as the operating system for next-generation banking — from unified infrastructure to OpEx commercials to instant access to specialized talent.
07GenTwo by the Numbers
7 min
07
Conclusion & Appendices
How FEaaS fuels growth — plus references, an about-GenTwo profile, and the legal disclaimer that close the report.
References · About GenTwo · Disclaimer
5 min

How to read it

Read straight through, or jump in by section — each stands on its own. The persistent left-rail nav follows you between sections; the infographic index opens from any page.

Who it's for

Banks, asset managers, family offices and financial intermediaries under pressure to transform their operations, capital allocation strategies, and product offerings. Directed at professional or institutional clients per Art. 5(3) FinSA.

About GenTwo

A Swiss B2B fintech enabling financial professionals to securitize and structure any asset off-balance-sheet, at low cost and with minimal complexity. Since 2018, GenTwo has helped 300+ clients create 1,600+ products.