
Upvest provides an API-first investment infrastructure platform for banks, brokers, wealth managers and fintechs across Europe and the UK.
Upvest's core product is a cloud-native, event-driven Investment API that financial institutions plug into their existing infrastructure to run brokerage, settlement and custody for investment products. The platform gives clients access to more than 100,000 instruments — stocks, ETFs, mutual funds, money market funds, ELTIFs, securitised derivatives and bonds — and supports real fractional investing from €1, £1 or $1 across asset classes.
Beyond the technology layer, Upvest bundles regulatory licences (BaFin in Germany and FCA in the UK) with full business-process outsourcing for middle- and back-office operations, automating order lifecycle management, reconciliation, corporate actions, tax handling and regulatory reporting. Localised tax wrappers such as Germany's Altersvorsorgedepot and the UK's GIA, ISA and SIPP let institutions launch market-specific pension and savings products from a single integration.
Upvest sits in the European investment-infrastructure and embedded-investing market, where incumbent banks face pressure to modernise monolithic legacy systems and capture retail investment revenue as digital-first challengers grow. Demand for modular, API-first infrastructure that supports brokerage, wealth and pension products has risen as financial institutions seek faster go-to-market and lower operating costs.
The company's push into localised pension products such as Germany's Altersvorsorgedepot and the UK's SIPPs, together with AI-supported investment engines, positions it within the broader shift toward personalised, automated retail investing across Europe. Its March 2026 $125 million round, coming twelve months after its Series C, signals continued investor conviction in the embedded-investment category it operates in.
Upvest combines an API-first technology platform with its own regulated securities institution status under BaFin and the FCA, so clients get both the infrastructure and the licences to operate across Europe and the UK without assembling a separate custodian. That bundled technology-plus-licences-plus-operations model lets institutions launch investment products in weeks rather than building a regulated stack in-house.
The platform has demonstrated institutional-grade scale, processing more than 100 million orders a year for over 30 financial institutions with native fractional investing and localised tax wrappers across more than 20 markets. This breadth of market connectivity, instrument coverage (100,000+ instruments) and automated back-office processing is a recurring differentiator cited in its client base of digital banks and global fintechs.