Finary partners with Upvest to build its stock market investing offering

• Finary integrates Upvest's investment infrastructure to develop its upcoming stock and ETF investing offering
• Finary relies on the investment infrastructure already chosen by Revolut, N26 and bunq
• The partnership strengthens Upvest's footprint in France, a key market in its continental European expansion, where high household savings meet growing demand for digital investing

Berlin / Paris, 12. November 2026 - Finary, the wealth management app used by more than one million people in France, today announces a partnership with Upvest, Europe's leading investment infrastructure provider. Finary will rely on Upvest's infrastructure to develop its stock and ETF investing offering, with one goal: enabling its community to move from managing their wealth to investing, without leaving the app.

A partnership to close France's investing gap

French households are among Europe's most disciplined savers: in the first quarter of 2026 they set aside 9.5% of their income as financial savings, compared with a euro area average of 5.8%¹. Their total financial savings exceed €6.5 trillion, yet only around 4% of that wealth is invested directly in listed shares². Much of it sits in regulated savings accounts such as the Livret A, which alone holds around €444 billion³, or in traditional life insurance funds, which hold more than €1.5 trillion⁴.

By partnering with Upvest, Finary aims to make stock market investing more accessible to its community, by removing the barriers that still keep French savers away from the markets.

A key part of Upvest’s infrastructure is its fractions engine, which gives investors real legal ownership of fractional securities. In France, fractional investing has typically been offered through derivatives, financial contracts (contrats financiers), or debt instruments (titres de créance). These wrappers come with additional regulatory requirements (e.g. providing Key Information Documents under the PRIIPs regulation) and expose investors to that provider's counterparty risk. Upvest's model is different: each fraction represents direct co-ownership of the security, held in a protected, bankruptcy-remote custody structure. The French regulator, the AMF, has recognised fractions distributed by Upvest as equity securities.

End-to-end infrastructure

The integration is powered by Upvest's Investment API, which handles order execution and settlement, custody, and regulatory reporting, so Finary can focus on delivering the best possible experience for its community. Upvest's pan-European footprint and API-first infrastructure let Finary move quickly from decision to launch without compromising on execution quality.

About Finary

Co-founded in 2021 by Mounir Laggoune, Chairman and author of the bestseller Investir pour être libre, Finary has become the go-to app for democratising investing and helping people in France take back control of their money. Its all-in-one platform lets anyone, whatever their level of financial knowledge, centralise their investments, optimise them with AI, learn, and invest in high-performing, low-fee solutions. With its focus on transparency, Finary has already changed the way more than 1 million people in France seeking financial freedom manage their wealth.

Finary launched crypto and life insurance investing with Finary Life, a next-generation solution developed in partnership with Generali, one of the world's leading insurers. It has also developed private wealth management with Finary One, an offering accessible from €500,000 in investable assets.

Finary is backed by PayPal Ventures, LocalGlobe, Hedosophia, Shapers, Speedinvest, Y Combinator, Kima Ventures and renowned business angels such as Harsh Sinha (CTO of Wise), Axel Weber (former President of the Deutsche Bundesbank and former Chairman of the Board of UBS, the world's leading private bank), Steve Anavi and Alexandre Prot (Qonto) and Eric Demuth (Bitpanda).

Finary SAS is a simplified joint-stock company with share capital of €11,625,000, registered with the Paris Trade and Companies Register under number 892 357 724, with its registered office at 58 rue de Monceau, 75380 Paris 8. Finary SAS operates as a Financial Investment Advisor (CIF) and Insurance Broker registered with ORIAS under number 21001279, and is a member of the Chambre nationale des conseils en gestion de patrimoine, an association approved by the Autorité des Marchés Financiers, with financial guarantees from MMA IARD Assurances Mutuelles.

About Upvest

Upvest is a technology company and investment firm that provides banks, brokers, and wealth managers with modern API-based infrastructure for securities business. In addition to software, it provides trading, custody, and back-office services on behalf of its clients. This enables financial institutions to modernise their securities operations comprehensively and cost-effectively, and to grow profitably. Upvest's clients include fast-growing fintechs such as Revolut, N26, bunq, Webull, and Raisin, as well as digital banks like Openbank and DKB.

Founded in 2017, Upvest has 280 employees and processes over 100 million trades per year. The company continues to be independently managed by its founders Martin Kassing, Dr Til Rochow, and Tobias Auferoth, and is securely financed for the long term by investors including Earlybird and Bessemer Venture Partners.

Press Contact Finary

Audrey Noel Medias
audreynoel.medias@gmail.com

Press Contact Upvest

Julieta Varsano
press@upvest.co