Take our license - Single Accounts
This operating model is the easiest and fastest way to get the Investment API up and running - with full end user level functionality, operation and licenses out-of-the-box.
Core Benefits
The use of Upvest licenses ensures a fast go-to-market.
You don't need to build back-end logic to enable end-to-end brokerage, settlement and custody services for users (e.g., tax processing and reporting).
You don't have to develop your own functionality or manage the integration of multiple providers.
Legal setup
Upvest provides full legal coverage across brokerage, settlement, and custody, while staying in the background.
| Setup | Upvest | You | Application |
|---|---|---|---|
| Investment brokerage (RTO¹) | ✓ | You distribute investments by accepting and transmitting orders from end users via their investment product (e.g., app). | |
| Deposit taking or credit business | Optional | Optional | You or Upvest keep the end cash of the end users in debit and/or credit accounts. |
| Financial brokerage (EXO²) | ✓ | Upvest places and executes orders on behalf of end users. | |
| Securities custody | ✓ | Upvest maintains and safekeeps securities of end users. | |
| Crypto custody | ✓ | Upvest maintains and safekeeps crypto assets of the end users. | |
| Proprietary trading (DOOA³) | ✓ | Upvest executes orders and holds securities on its own account to offer fractional investments and manage risk. | |
| End-user contractual relationship | Upvest acts as the contractual counterparty for securities investment services and is part of your terms & conditions. |
¹ RTO = Reception & transmission of orders ² EXO = Execution of orders ³ DOOA = Dealing on own account
Functional setup
Upvest provides end-to-end services for brokerage, settlement, and custody for the end user.
In the following table you can see which services Upvest offers and which can be optionally offered by the customers or by Upvest, where applicable:
| Functionality | Upvest | You | Application of Investment API |
|---|---|---|---|
| End user & account management | ✓ | You set up securities accounts for end users via the API, submitting KYC checks to Upvest for verification. | |
| Investment solutions | ✓ | You create and configure portfolios, savings plans and rebalancing logic via API to offer them to end users. | |
| Order executions | ✓ | End users submit their orders via your interface; Upvest executes (fractional) orders on the exchanges across all asset classes. | |
| Payments & cash accounts | ✓ | Optional | End users provide or withdraw funds (from you or Upvest) through cash accounts via API integration and instructions. |
| Clearing, settlement & custody | ✓ | You receive reconciled transactions for end users from Upvest including treasury reports for net buy/sell transfers. | |
| Reporting (end user & regulatory) | ✓ | You deliver end user/account statements, invoices, tax and regulatory reports to end users via the API; Upvest handles regulatory reporting. | |
| Tax administration | ✓ | You can transfer the proceeds minus taxes to the end users via the API, which are deducted and reported to the German tax authorities (may differ with international setup). | |
| Corporate actions processing | ✓ | You can offer digital corporate action processing for the end user via the API (e.g., dividend distributions to eligible end users). | |
| Instrument & price data | ✓ | Optional | You can use instrument data, price data, valuations and performance calculations via the API, and enrich them with additional data. |
| Client support | ✓ | You receive support responses via the API for end user, account, reporting or transactions issues. |