Enable your end users to invest from €1, £1 or $1 with fractions
Offer real fractional securities ownership across any asset class for any use case.
Boost trading activity
Fractional investments boost retail investor participation and trading frequency.
Cater to new user groups
Lower minimums attracts new users starting their investment journey.
Enable investing on autopilot
Fractions are necessary to power recurring investments (e.g. saving plans).
Upvest’s
fractions engine
Enable fractional investing across all asset classes with legal ownership, fair corporate action participation, and all background complexity handled.
Fractions across all asset classes
End users can trade fractions across the entire asset universe, with access to 100k+ instruments.
Fractional ownership of real securities
End users become the legal owners of the underlying securities and hold actual property rights.
Fair participation in corporate actions
End users can participate in corporate actions even with fractional holdings.
Upvest handles the complexity
Upvest manages all the functional, operational and regulatory complexities in the background.
Power fractional investing at scale, starting from €1, £1 or $1
The complete stack needed to launch and scale fractions: from licences and cloud-native infrastructure to real-time trading and modern use cases.
Full “fractions-ready” regulatory licence set
Full investment firm licences across Europe and the UK, enabling the trading of fractional securities. Regulatory setup is in line with ESMA requirements* on fractional shares.
Fractions-based core banking
Cloud-native platform built to support fractions to 10 decimals in every currency. Fractions are natively embedded into all end user flows.
Real-time fractional trading
Instant and scheduled fractional orders. Support of both periodic (daily, weekly, monthly savings plans) and instant execution of fractional orders.
Modern use cases
Baseline for modern use cases such as recurring investments and personalised portfolios.
Transparent trade execution at best prices
Fractional orders are executed according to best execution rules, monitoring, and reporting at organised market. Upvest provides MiFID II-compliant cost reporting.
The complete guide to our fractions offering
Everything you need to know about Upvest’s fractions engine.
Launching fractions in France?
French law does not natively support fractionalisation of individual securities, which means most providers are forced to wrap fractions as derivatives or debt instruments. This creates compliance overhead and regulatory complexity.
Operating under German law, fractions provided by Upvest are considered actual fractions of securities.
Validated by the French regulator AMF, Upvest’s setup enables any financial institution operating in or expanding into the French market to reduce their regulatory overhead and offer a superior product with real legal ownership and bankruptcy-remote asset segregation.
How Revolut offered fractional stocks and ETFs across borders with Upvest
6 months
for go-to-market
80%
of all orders are fractional
30%
YoY increase in retail customers
When looking at possible partners to offer access to ETFs and stocks listed in EEA markets to our European customers, Upvest was our preferred selected choice. They offered the infrastructure that enabled us to offer ETFs to our customers in a short time, just after our EEA trading entity operationalisation was completed.”
Rolandas Juteika - Head of Wealth and Trading (EEA) of Revolut