Upvest
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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Upvest the way a machine reads it — 242 machine-readable artifacts across 35 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Upvest scores 67.0/100 (strong), with a separate agent-readiness read of 54/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Upvest
Each block below is one kind of artifact we hold for Upvest. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 35
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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.
Scroll within the panel for all 35 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Upvest Investment API
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Upvest Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Upvest Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Upvest Finops
FINOPSFeatures 10
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Fractional Investing
Enable customers to invest in stocks and ETFs starting at 1 EUR with fractional share support.
Portfolio Management
Build customized portfolios of stocks, ETFs, and upcoming crypto assets with automated rebalancing.
Savings Plans
Configure recurring automated investment plans with direct debit integration.
Roundups
Micro-investing through spending-based roundups that automatically invest spare change.
Instant Account Creation
Enable customers to open investment accounts in seconds through the API.
Custody Management
Regulated custody services with digital reports and securities safeguarding.
Multi-Currency Cash Management
Track and manage cash balances across multiple currencies with virtual bank accounts.
Tax and Compliance
Automated tax wrapper support including ISA, tax exemptions, and compliance reporting.
Webhook Events
Real-time asynchronous event notifications for orders, payments, accounts, and compliance events.
Sandbox Environment
Full-featured sandbox at sandbox.upvest.co for testing with simulated bank transactions.
Scroll within the panel for all 10 ·
Event Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Upvest Investment Events
The Upvest Investment API uses an asynchronous, event-driven architecture where events represent state changes within the system. Webhook subscriptions allow your application to...
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Upvest Context
JSON-LDSpectral Rules 3
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
JSON Schema 58
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
AccountCreate
JSON SCHEMAAccountReturn
JSON SCHEMAAccount
JSON SCHEMAAccountTransferCreate
JSON SCHEMAAccountTransfer
JSON SCHEMAAccountUpdate
JSON SCHEMAAddress
JSON SCHEMACashBalance
JSON SCHEMACorporateAction
JSON SCHEMADirectDebitCreate
JSON SCHEMADirectDebit
JSON SCHEMAExchange
JSON SCHEMAExecution
JSON SCHEMAFeeConfiguration
JSON SCHEMAFee
JSON SCHEMAInstrumentPrice
JSON SCHEMAInstrument
JSON SCHEMALiquidationCreate
JSON SCHEMALiquidation
JSON SCHEMAMandate
JSON SCHEMAOrderCancellation
JSON SCHEMAOrderCreate
JSON SCHEMAOrder
JSON SCHEMAPortfolioAllocationCreate
JSON SCHEMAPortfolioAllocation
JSON SCHEMAPortfolioCreate
JSON SCHEMAPortfolioOrderCreate
JSON SCHEMAPortfolioOrder
JSON SCHEMAPortfolio
JSON SCHEMAPortfolioUpdate
JSON SCHEMAPosition
JSON SCHEMARebalancingExecution
JSON SCHEMAReferenceAccount
JSON SCHEMAReport
JSON SCHEMASavingsPlanCreate
JSON SCHEMASavingsPlan
JSON SCHEMASavingsPlanUpdate
JSON SCHEMASecuritiesTransferCreate
JSON SCHEMASecuritiesTransfer
JSON SCHEMATaxResidencyCreate
JSON SCHEMATaxResidency
JSON SCHEMATransaction
JSON SCHEMATreasuryReport
JSON SCHEMAUserCheck
JSON SCHEMAUserCreate
JSON SCHEMAUserIdentifierCreate
JSON SCHEMAUserIdentifier
JSON SCHEMAUserIdentifierUpdate
JSON SCHEMAUser
JSON SCHEMAUserUpdate
JSON SCHEMAValuation
JSON SCHEMAWebhookSubscriptionCreate
JSON SCHEMAWebhookSubscription
JSON SCHEMAWebhookSubscriptionUpdate
JSON SCHEMAWithdrawalCreate
JSON SCHEMAWithdrawal
JSON SCHEMAUpvest Order
JSON SCHEMAUpvest Webhook Event
JSON SCHEMAScroll within the panel for all 58 ·
JSON Structure 58
JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.
JSON Structure definitions describing this provider's data shapes.
Investment Api Account Create Structure
JSON STRUCTUREInvestment Api Account Return Structure
JSON STRUCTUREInvestment Api Account Structure
JSON STRUCTUREInvestment Api Account Transfer Create Structure
JSON STRUCTUREInvestment Api Account Transfer Structure
JSON STRUCTUREInvestment Api Account Update Structure
JSON STRUCTUREInvestment Api Address Structure
JSON STRUCTUREInvestment Api Cash Balance Structure
JSON STRUCTUREInvestment Api Corporate Action Structure
JSON STRUCTUREInvestment Api Direct Debit Create Structure
JSON STRUCTUREInvestment Api Direct Debit Structure
JSON STRUCTUREInvestment Api Exchange Structure
JSON STRUCTUREInvestment Api Execution Structure
JSON STRUCTUREInvestment Api Fee Configuration Structure
JSON STRUCTUREInvestment Api Fee Structure
JSON STRUCTUREInvestment Api Instrument Price Structure
JSON STRUCTUREInvestment Api Instrument Structure
JSON STRUCTUREInvestment Api Liquidation Create Structure
JSON STRUCTUREInvestment Api Liquidation Structure
JSON STRUCTUREInvestment Api Mandate Structure
JSON STRUCTUREInvestment Api Order Cancellation Structure
JSON STRUCTUREInvestment Api Order Create Structure
JSON STRUCTUREInvestment Api Order Structure
JSON STRUCTUREInvestment Api Portfolio Allocation Create Structure
JSON STRUCTUREInvestment Api Portfolio Allocation Structure
JSON STRUCTUREInvestment Api Portfolio Create Structure
JSON STRUCTUREInvestment Api Portfolio Order Create Structure
JSON STRUCTUREInvestment Api Portfolio Order Structure
JSON STRUCTUREInvestment Api Portfolio Structure
JSON STRUCTUREInvestment Api Portfolio Update Structure
JSON STRUCTUREInvestment Api Position Structure
JSON STRUCTUREInvestment Api Rebalancing Execution Structure
JSON STRUCTUREInvestment Api Reference Account Structure
JSON STRUCTUREInvestment Api Report Structure
JSON STRUCTUREInvestment Api Savings Plan Create Structure
JSON STRUCTUREInvestment Api Savings Plan Structure
JSON STRUCTUREInvestment Api Savings Plan Update Structure
JSON STRUCTUREInvestment Api Securities Transfer Create Structure
JSON STRUCTUREInvestment Api Securities Transfer Structure
JSON STRUCTUREInvestment Api Tax Residency Create Structure
JSON STRUCTUREInvestment Api Tax Residency Structure
JSON STRUCTUREInvestment Api Transaction Structure
JSON STRUCTUREInvestment Api Treasury Report Structure
JSON STRUCTUREInvestment Api User Check Structure
JSON STRUCTUREInvestment Api User Create Structure
JSON STRUCTUREInvestment Api User Identifier Create Structure
JSON STRUCTUREInvestment Api User Identifier Structure
JSON STRUCTUREInvestment Api User Identifier Update Structure
JSON STRUCTUREInvestment Api User Structure
JSON STRUCTUREInvestment Api User Update Structure
JSON STRUCTUREInvestment Api Valuation Structure
JSON STRUCTUREInvestment Api Webhook Subscription Create Structure
JSON STRUCTUREInvestment Api Webhook Subscription Structure
JSON STRUCTUREInvestment Api Webhook Subscription Update Structure
JSON STRUCTUREInvestment Api Withdrawal Create Structure
JSON STRUCTUREInvestment Api Withdrawal Structure
JSON STRUCTUREUpvest Order Structure
JSON STRUCTUREUpvest Webhook Event Structure
JSON STRUCTUREScroll within the panel for all 58 ·
Examples 58
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Investment Api Fee Example
EXAMPLEInvestment Api Order Example
EXAMPLEInvestment Api User Example
EXAMPLEUpvest Order Example
EXAMPLEUpvest Webhook Event Example
EXAMPLEScroll within the panel for all 58 ·
Security Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 5
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
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.
Integrations 4
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
HTTP Signature Proxy
Localhost proxy for handling HTTP request signing required by the Upvest Investment API.
Direct Debit
Automated recurring payment integration for savings plans and top-ups.
Webhook Integration
Event-driven integration pattern via Upvest webhook subscriptions for real-time processing.
OAuth 2.0
Client credentials flow for API authentication and token management.
Resources
Every other property we hold for Upvest — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Build 4
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Commercial 1
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
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