# Upvest

**Canonical:** https://apis.io/providers/upvest/  
**Website:** https://upvest.co/  
**APIs profiled:** 35

Upvest is a Berlin-based API-first investment infrastructure provider that enables banks, brokers, and wealth managers to build and launch investment experiences through a single modular API. Founded in 2017, Upvest is a regulated securities institution in Europe and the UK, covering trading, custody, and back-office operations. The platform supports fractional investing, portfolios, savings plans, roundups, and direct debit, enabling clients like Bunq, DKB, N26, Revolut, and Raisin to offer investment products to their customers.

## Kin Score — 58.8 / 100 (strong)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 58.8).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 87.7 |
| Governance | 26.5 |
| Contract Governance | 26.5 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 50.0 |
| Commercial Clarity | 47.4 |
| Access Clarity | 47.4 |

Regulatory layer — **Securities & Market Data**: 70.0 (matched via tags).

## Agent readiness — 45.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (35)

- **Upvest Account Transfers API** — Transfer accounts between entities.
- **Upvest Accounts API** — Investment accounts that hold positions and track balances for users.
- **Upvest Authentication API** — OAuth 2.0 token management for API access using client credentials flow.
- **Upvest Cash Balances API** — View cash balance information for accounts.
- **Upvest Corporate Actions API** — View and manage corporate action events on held securities.
- **Upvest Direct Debits API** — Manage direct debit funding operations.
- **Upvest Executions API** — Track order execution details and fills.
- **Upvest Fee Configurations API** — Configure fee structures and schedules.
- **Upvest Fees API** — Track and manage fee charges on accounts.
- **Upvest Files API** — Access and download generated files such as reports and statements.
- **Upvest Instrument Prices API** — Retrieve real-time and historical price data for instruments.
- **Upvest Instruments API** — Query available financial instruments and their metadata.
- **Upvest Liquidations API** — Manage full or partial account liquidations.
- **Upvest Mandates API** — Manage direct debit mandates for accounts.
- **Upvest Order Cancellations API** — Cancel pending orders before execution.
- **Upvest Orders API** — Place, manage, and track buy and sell orders for instruments.
- **Upvest Portfolio Allocations API** — Define and update target allocations within portfolios.
- **Upvest Portfolio Orders API** — Place orders against portfolio allocations.
- **Upvest Portfolios API** — Create and manage portfolios with custom asset allocations.
- **Upvest Portfolios Rebalancing API** — Trigger and track portfolio rebalancing operations.
- **Upvest Positions API** — View current holdings and position details for accounts.
- **Upvest Reference Accounts API** — Manage reference bank accounts linked to investment accounts.
- **Upvest Reports API** — Generate and retrieve user-facing investment reports and statements.
- **Upvest Returns API** — Calculate account-level investment returns.
- **Upvest Savings Plans API** — Configure automated recurring investments into portfolios or instruments.
- **Upvest Securities Transfers API** — Transfer securities between accounts or providers.
- **Upvest Tax Residencies API** — Manage tax residency information for users.
- **Upvest Transactions API** — View transaction history for accounts.
- **Upvest Treasury Reports API** — Access treasury-level reporting for institutional oversight.
- **Upvest User Checks API** — Compliance and verification checks on users.
- **Upvest User Identifiers API** — Manage external identifiers associated with users.
- **Upvest Users API** — Manage end users including onboarding, identity verification, and profile management.
- **Upvest Valuations API** — Retrieve account and position valuations.
- **Upvest Webhook Subscriptions API** — Register, update, and manage webhook subscriptions for event notifications.
- **Upvest Withdrawals API** — Process cash withdrawals from investment accounts.

## Agentic access (1)

- **Upvest Agentic Access** — 70 operations · 27 acting

## Security (3)

- **Upvest Authentication** — oauth2 · 1 scheme
- **Upvest Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Upvest Trust Center** — ISO 27001, ISO 27017, PCI DSS, GDPR, FIPS 140

## Plans (1)

- **Upvest Plans Pricing**

## Use cases (5)

- **Embedded Brokerage** — Banks and fintechs embedding fractional stock and ETF trading into existing financial products.
- **Digital Wealth Management** — Wealth managers building automated portfolio and savings plan products for retail clients.
- **Neobank Investment Features** — Neobanks adding investment capabilities to checking and savings account offerings.
- **White-Label Investment Platform** — Third-party platforms building fully branded investment experiences using Upvest infrastructure.
- **Roundup Investing** — Platforms enabling micro-investing by rounding up purchases and investing the difference.

## Tags

Banking Infrastructure, Fintech, Investments, Securities, Fractional Investing, Custody, Wealth Management

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/upvest/). Scores are computed from the provider's own public artifacts under a published rubric.