Upvest Investment API

Upvest is a Berlin-based investment infrastructure provider founded in 2017, with hubs in London and Tallinn. It lets fintechs, banks, brokers and wealth managers offer investing to their end users without building brokerage, settlement and custody themselves.

The Investment API covers brokerage, settlement and custody, with optional outsourced middle and back office, licences and operating models. Clients can offer fractional investing, multi-asset portfolios and savings plans across 100k+ instruments including stocks, ETFs, funds and bonds. Upvest states it automates over 99% of middle and back-office processes and is regulated by BaFin and the FCA. Named clients include Revolut, N26, Openbank, DKB, Zopa and Plum.

• Investment API: brokerage, settlement and custody through a single integration.
• Fractional investing: fractions, multi-asset portfolios and automated savings plans.
• Instrument coverage: 100k+ instruments including stocks, ETFs, funds, ELTIFs and bonds.
• Operations: outsourced middle and back office with over 99% automation.
• Licences and operating models: regulated entities in Germany and the UK that clients can use.
• Local wrappers: UK GIA, ISA and SIPP and the German Altersvorsorgedepot.

A Vietnamese bank or e-wallet studying an embedded investing product as a reference architecture for fractional funds and savings plans. A regional fintech expanding into European or UK investing. An insurer offering unit-linked products.

Launch of investing features through one API instead of building brokerage and custody in-house. Outsourced operations and licences remove regulatory build effort. Over 99% of middle and back-office processes automated, per the vendor. Case study: Zopa launched a UK ISA in under six months.

Banks and fintechs increasingly embed investing in their apps and rely on infrastructure providers for brokerage and custody. The same model is relevant to Southeast Asian neobanks, e-wallets and securities firms that want to add investing without building a licensed stack.

Founded 2017 by Martin Kassing, headquartered in Berlin. Announced a EUR 100 million Series C in 2024-12. Authorised by BaFin and the FCA, ISO/IEC 27001:2022 certified. Recent partners include Plum, Satispay, Qonto, Flinket and Quirin Privatbank in 2026.