European investment and brokerage infrastructure
10 verified European providers, ranked European-origin first (7 EU/EEA-origin). Brokerage-as-a-service and wealth-management APIs - the European answer to Alpaca / DriveWealth. Compare by EEA data residency, licence and regulator - each verified at source.
10 verified providers
Last source verification in this list: 2026-06-28. How we verify →
aixigo (Aachen, Germany; since 1999) - API-based wealth-management software platform (advisory, portfolio management, analytics) for banks/wealth managers (BNP Paribas, Commerzbank). Software vendor (no own FI licence). Acquired by Amundi (FR, 2024, EUR 149m).
Bitpanda Technology Solutions (Vienna, Austria) - B2B white-label investing + digital-asset infrastructure (stocks, ETFs, crypto, custody, tokenization) for banks/fintechs. Relies on Bitpanda VASP (Austria FMA + AMF), MiFID II investment-firm, PSD2 and MiCA (BaFin) authorisations. Client: N26.
Cashlink (Germany) - tokenized-securities infrastructure: issuance, smart-contract registry (eWpG) and digital-asset custody. BaFin crypto securities registrar + qualified crypto custodian (KWG).
InvestSuite (Leuven, Belgium) - B2B white-label investtech SaaS: robo-advisor, self-investor, portfolio optimizer, reporting. Software vendor for banks and wealth managers.
lemon.markets (Berlin, Germany) - API-first brokerage-as-a-service for stocks/ETFs (contract broking, portfolio mgmt, proprietary trading, custody). BaFin investment-firm licence (Jan 2024). Acquired by DWP Bank (Sept 2025); operates independently.
Upvest (Berlin, Germany) - investment / securities API (brokerage-as-a-service): stocks, ETFs, crypto, custody. Full BaFin securities + crypto brokerage and custody licences (2022) + UK FCA (2024). Clients incl. N26.
additiv (Zurich, Switzerland; since 1998) - API-first wealth-management orchestration SaaS (DFS platform) for banks/wealth managers; embedded wealth. Acquired by Temenos (Q3 2026).
Fundment (London, UK) - FCA-authorised (no. 732727) discretionary investment platform + custody for financial advisers (ISA, SIPP, GIA); client money at HSBC.
WealthKernel (London, UK) - investing API: onboarding, dealing, custody, portfolio mgmt, UK tax wrappers (ISA/SIPP). FCA-authorised custodian (no. 723719, CASS). Acquired by Alpaca (US) - now Alpaca Europe.
WealthOS (London, UK; founded 2019) - API-first cloud-native core wealth-management platform (SaaS): onboarding, portfolio, custody connectivity, ISA/SIPP automation.
FAQ
What is brokerage-as-a-service?
APIs for custody, order execution and portfolio management so your app can offer stocks/ETFs without your own brokerage licence. Fintechnologica lists 10 verified providers (7 European-origin) - the European answer to Alpaca/DriveWealth.
Why does custody jurisdiction matter?
Whoever holds client assets determines the investor-protection regime and the data jurisdiction. EU-core providers (BaFin-supervised Upvest, Lemon Markets...) keep custody and control inside the EEA - a real differentiator vs routing European retail flow through US infrastructure.