Product design question

How will you design a brokerage/investing app for Facebook?

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What this question tests

Product design in a regulated, high-trust financial domain built on top of an existing social platform.

Clarify the target user: Facebook's broad, mostly non-professional user base, many of whom are not current active investors.
Name the pain point: traditional brokerage apps feel intimidating and separate from where people already discuss money and life events with friends.
Propose the core idea: a simple, beginner-focused investing app leveraging Facebook's social graph for shared learning, like friends tracking or discussing simple portfolios together (within compliance limits on advice-sharing).
Address the regulatory reality: financial products require licensing, KYC, and compliance infrastructure, which is a major build versus partner decision.
Prioritize partnering with an existing licensed brokerage infrastructure provider rather than building a broker-dealer from scratch, to move faster and reduce regulatory risk.
Define success as new-to-investing account signups and 90-day retention, not trading volume, since the target segment is beginners, not day traders.

Recognizes the regulatory build-versus-partner decision as central to feasibility, not a minor detail to skip past.
Targets a specific underserved segment, first-time investors, rather than competing head-on with established brokerages like Robinhood or Fidelity.
Picks a beginner-appropriate metric, retention over trading volume, avoiding incentives that could encourage risky behavior.

Ignoring the heavy regulatory and licensing burden of launching a financial product.
Optimizing for trading volume, which would incentivize risky behavior among inexperienced users, a real reputational risk for the company.

Would you build the brokerage infrastructure in-house or partner with an existing provider, and why?
How would you prevent this from encouraging risky trading behavior among beginners?