The FINRA Compliant Messaging App Built for Broker-Dealers and RIAs
Regulators have issued $1.8B+ in fines for off-channel communications. Qwil gives your firm native WORM archiving, E2EE, and immutable audit trails - built in, not bolted on.
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Faster Replies
650%
increase in response rates
compared to email.
compared to email.
Daily Time Saved
62 minutes
saved every day.
All tools in one place.
All tools in one place.
Trusted by
3000+
financial organisations around
the world
the world
How Qwil Simplifies your FINRA Compliant Communication
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Native WORM Archiving - No Third-Party Connector Required
Every message, document, and transaction record in Qwil is captured at the infrastructure level the instant it's sent - in tamper-proof, non-erasable (WORM) storage. No capture connectors. No integration gaps. No silent failures.
Unlimited message and document history retained automatically
WORM-compatible storage - no deletion, no alteration possible
Configurable retention periods aligned to FINRA's 3-year minimum
One vendor accountable for both the channel and the archive
Immutable Audit Trails - Search Anything, Produce in Minutes
Your compliance team gets a dedicated Data Reviewer console to search the full communication history by advisor, client, keyword, date, or document type. When FINRA calls, you respond - fast.
Search by sender, recipient, date range, keyword, or document
Fixed, uneditable record of every message, file, and signature
Role-based access - compliance sees everything, advisors see their own
eDiscovery export in regulatory-accepted formats
End-to-End Encryption - Not Just TLS
Most "secure" messaging apps use transport encryption (TLS), which decrypts at the server - meaning the vendor can read your messages. Qwil uses true E2EE: messages are encrypted at the sender's device and decrypted only at the recipient's. Nobody in between can read them.
True E2EE - encrypted at device, not server
AES-256 at-rest encryption
Invitation-only - no unknown contacts, no phishing
MFA required on every device
E-Signatures, Document Sharing & Video - All in One Compliant Platform
Qwil replaces six separate tools your team is paying for - all while keeping every interaction in your compliance archive. No more chasing signatures in email, scheduling over WhatsApp, or sharing sensitive documents via Dropbox.
E-signature requests sent inside chat - no DocuSign needed
Secure document sharing up to 50MB - infinite storage
One-click video calls from any chat thread
Appointment scheduling synced to Google or Outlook Calendar
Fully branded - your logo, your client experience
What FINRA Requires, And What Happens If You Don't
FINRA Rule 4511 - Books & Records
All business-related communications must be retained for a minimum of 3 years in an accessible format.
SEC Rule 17a-4 - WORM Storage
Records must be stored in non-rewritable, non-erasable (WORM) format - no deletion, no alteration, ever.
FINRA Rule 3110 - Supervision
A designated principal must be able to supervise and review all client-facing communications in real time.
Regulatory Notice 17-18 - Digital Comms
Explicitly confirms that all messaging platforms - including instant messages and texts - fall under the same rules as email.
Fines & Reputation Damage
Record fines of $1.8B+ issued by SEC and FINRA for off-channel communication violations - across firms large and small. Enforcement actions are public. Clients and prospects will see them. The cost to your brand outlasts the fine.
Suspension and Practice Flagging
Once flagged, your firm faces more frequent, more invasive regulatory examinations for years. In severe cases, FINRA can suspend or revoke the licenses of individuals and the firm itself.
Eliminate Unarchived Risk Today
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How Qwil compares to other options
Not all FINRA-compliant messaging solutions are created equal. Here's how the market stacks up on the capabilities that matter most for regulated client communications.
| Qwil Messenger | Global Relay | RepChat / CurrentClient | WhatsApp Business | |
|---|---|---|---|---|
| Built for client-facing comms | ✓ Core purpose | Archive only |
 Yes
|
Consumer app |
| Native WORM archiving |
Built-in
|
Enterprise
|
Included
|
Not available |
| End-to-end encryption |
Default E2EE
|
TLS only | TLS / SSL | E2EE, no archive |
| Immutable audit trails |
Unlimited
|
Enterprise
|
Native logs | None |
| Supervision console |
Native
|
Native
|
Standard | None |
| E-signature (in-platform) |
Built-in
|
Not included | Integrations only | None |
| Branded client experience |
Full white-label
|
No | No | No |
| Invitation-only (no phishing) |
Yes
|
No | Partial | No |
| CRM integrations (native) |
Wealthbox, Salesforce, intelliflo, Plannr
|
Enterprise | Wealthbox, Redtail | Limited |
| SMB / boutique-firm pricing |
All sizes
|
Enterprise only | SME friendly | Per message |
| Deploy time |
Hours
|
Weeks–months | Days | Days |
| 30-day free trial |
Yes
|
No | Sometimes | Limited |
| Qwil | Global Relay | WhatsApp Business | |
|---|---|---|---|
| Built for Client-Facing Comms |
|
✘ | ✘ |
| Native WORM Archiving |
|
|
✘ |
| End-to-End Encryption |
|
✘ | ✘ |
| Immutable Audit Trails |
|
|
✘ |
| Supervision Console |
|
|
✘ |
| E-Signature (In-Platform) |
|
✘ | ✘ |
| Branded Client Experience |
|
✘ | ✘ |
| Invitation-Only Access |
|
✘ | ✘ |
| Native CRM Integrations |
|
✘ | ✘ |
| SMB & Boutique Firm Pricing |
|
✘ | ✘ |
| Deploy Time | Hours | Weeks–months | Days |
| 30-Day Free Trial |
|
✘ | ✘ |
Integrate your facvourite tools
Connect Qwil to your financial services tools to automate your workflows
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Why Native Messaging Beats Archiving Connectors
Some firms try to make WhatsApp or SMS "compliant" by connecting them to an archiving tool. Here's why that approach fails - and why it will fail you at the worst possible moment.
Connectors fail silently
When a third-party capture connector breaks - and they do - you may not know for days. By then, hundreds of unarchived messages have accumulated. You won't discover this until examination. Qwil has no connector to break: the archive is the platform.
API changes break capture
WhatsApp, iMessage, and consumer apps change their APIs without warning. When they do, your archive connector breaks. The platform vendor has zero obligation to keep your compliance solution working. Qwil controls its entire stack.
One vendor = one throat to choke
With third-party archiving, you have two vendors pointing fingers at each other when something goes wrong. With Qwil, one vendor is accountable for both the communication channel and its compliant archiving.
Admins can't disable compliance
On consumer apps, an advisor could change their phone settings or app permissions and accidentally break the archive connector. In Qwil, compliance controls are enforced at the infrastructure level - no advisor can opt out.
Purpose-built for client-facing use
Archiving tools like Global Relay are built to archive. Qwil is built to communicate - with compliance as a feature, not an afterthought. Your clients get a better experience. Your compliance team gets cleaner records.
Works for firms of any size
Enterprise archiving platforms cost more and require dedicated IT resources to implement. Qwil is designed for independent advisors through to global asset managers - and can be deployed in hours, not months.
What Financial Firms Say About Qwil
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"Qwil is like WhatsApp for financial and professional services. We believe it has significant potential to improve the engagement with clients."
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"Everyone loves how simple and intuitive to use the application is, and the fact that it can be used for so many things"
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"The system is easy, intuitive and most importantly it is easy for the clients to gain access to without unnecessary faff."
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"We needed our own method of communicating with clients that we felt would not only work as intuitively as existing chat functions, but would give us additional confidence that both ourselves and our clients could communicate in an encrypted, secure and compliant manner."
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"We invite a prospect from the first meeting with them, receiving their consent via the app to continue the conversation, conduct the on-boarding process and from then, the day-to-day interaction. Qwil is also used as an internal communication tool and has led to a significant reduction in email exchanges"
See how Qwil works for financial Services
Business
Advanced security & compliance for regulated firms.
$25/month
Start For Free
Unlimited Clients, Chats, signatures and documents
Advanced security/user settings for regulated firms
Customisable T&Cs
Advanced audit trail with Data Reviewer
CRM Integrations
HIPAA Compliance
Custom User Dashboard
30 Day Onboarding Support
See Full Features here
Enterprise
For larger firms who need further customisations and control.
Custom Pricing
Contact Sales
Dedicated hosting
Enterprise Grade AI
Multi-region in 26 AWS datacenters
Multi-Brand
Embedded SDK & White Label
Staff federation across organisation
Bespoke APIs
Premium support
SLA
Questions about FINRA-compliant messaging
Everything financial advisors, compliance officers, and firm principals ask us before switching to Qwil.
Can Financial Advisors Legally Text Clients?
Yes - but only on an approved platform that archives and supervises those messages in line with FINRA Rule 4511, FINRA Rule 3110, and SEC Rule 17a-4. Personal SMS, iMessage, and WhatsApp are not compliant unless paired with an approved archiving solution. Qwil is built to make compliant texting as simple and natural as consumer messaging apps - without the regulatory risk.
What Makes A Messaging App FINRA Compliant?
A FINRA-compliant messaging app must:
(1) retain all business communications in WORM (non-rewritable, non-erasable) storage;
(2) allow a designated principal to supervise all client-facing communications;
(3) support eDiscovery and rapid production of records upon examination request; and
(4) capture communications from any device used for business purposes, including personal devices. Qwil satisfies all four requirements natively - no third-party connectors needed.
Can Advisors Use Qwil On Their Personal Device?
Yes. Qwil works on iOS and Android personal devices and keeps business communications fully separated from personal use. All business-side messages sent through Qwil are captured in the compliance archive automatically - with no manual action required from the advisor. This solves the BYOD compliance challenge without requiring advisors to carry two phones.
How Quickly Can We Prove Audit Readiness To FINRA?
With Qwil, you can retrieve the full communication history for any advisor, date range, and client within minutes using the Data Reviewer tool.
Most firms are able to run a complete audit retrieval simulation within their first week on Qwil.
We recommend running one before any scheduled examination and documenting the results - that evidence is itself proof of supervisory diligence.
What does Qwil cost?
We offer flexible plans for businesses of all sizes - from solo professionals to global enterprises. Choose what fits, customise as needed, and only pay for what you use.
See our pricing plans to find the right fit for your business.
Start your 30-day free trial
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