One API.
Any investment experience

Build and scale leading wealth, brokerage, and pension products across markets with Upvest’s Investment API.

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Fast go-to-market

Launch new features, markets, and asset classes within weeks. Upvest’s modular infrastructure enables daily product releases.

Handle millions of end users and transactions with 99.99% uptime and certified reliability on Upvest’s cloud-native Investment API.

Deliver industry-leading investment experiences with real fractions, automated investing via savings plans, and personalised portfolios.

Full coverage of all brokerage, settlement, and custody functionality with embedded middle- and back-office support.

Real-time user experience
with instant updates and app interactions
Fractional investments
starting from €1, £1 or $1 across all asset classes with real fractional share ownership
Embedded personalised products
to match end users’ personal investment goals and risk appetite
Broad asset coverage
with access to 100k+ instruments, including stocks, ETFs, mutual funds, money market funds, ELTIFs, derivatives, bonds, and more (crypto coming soon)
Automation of over 99% of processes
across the entire value chain

Digital-first UX
with full transparency and real-time guidance along the end-user journey
Flexible multi-asset model portfolios
with automated rebalancing strategies (time- and threshold-based)
Smart and post-tax orders
enabled by our portfolio engine with individual tax data
Personalised portfolio creation
in real time with up to 1,000 instruments per portfolio, supporting direct indexing
Holistic investment analytics and real-time insights
including performance, diversification, and scenario analysis
AI-supported investment recommendations
complementing human advice

Support for local pension and other tax-advantaged products
including Altersvorsorgedepot and Frühstart-Rente in Germany, ISAs and SIPPs in the UK, PEAs in France, and more
Digital onboarding and instant account opening
that captures and validates different user data points, eligibility, and compliance checks
Management of regulatory contribution limits
on an end-user basis across products
Local tax handling and reporting
including tax certificates and compliant filings

Brokerage, settlement, and custody delivered through one Investment API,
with best-in-class partners integrated

Placing and executing orders of all types across a diverse set of assets

Broad connectivity across local and global markets including Tradegate, Quotrix, Börse Stuttgart, Vestima, JP Morgan, CATs-OS
Support for fractions, savings plans, and portfolios
Support for all order types such as market, limit, and stop orders, available via straight-through processing or via block orders
Broad asset coverage including stocks, ETFs, mutual funds, money market funds, ELTIFs, derivatives, bonds, and more (crypto coming soon) in EUR, USD, and GBP
Full coverage of trade reporting (e.g. MiFIR Art. 26) and compliance
Market and instrument data available via Upvest’s Investment API

Fast and reliable settlement at scale with end-to-end transparency

Integrated cash accounts via the pre-funding model with Upvest cash accounts or post-trade settlement support, leveraging your existing cash setup
End-to-end settlement handling and netted cash clearing
Order lifecycle tracking and reconciliation
Incoming and outgoing securities transfer via API

Safeguarding assets while managing accounts, taxes, and corporate actions in real time

Full securities accounts administration with individual, joint, child, and business account types
Pension accounts including contribution management, bonus administration, automated regulatory and end-user reporting, and local tax handling
End-to-end user lifecycle management with user onboarding and account administration
Corporate actions notifications, handling, and reporting with instructions management via API
Tax handling and administration including tax withholding and local tax wrappers on an end-user basis
Handling of financial transaction tax (FTT) and stamp duty
Regulatory and end-user reporting in line with MiFID requirements
Positions and performance data, including account balances and time-weighted returns
Embedded fees and collections engine with flexible fee models