Finary adds stocks and ETFs through Upvest's investment API

What the two companies announced

Finary, the French app for tracking and managing personal wealth, will offer stock and ETF investing inside its app through a partnership with Upvest, a Berlin-based investment infrastructure provider. The two companies announced the deal in a joint press release on 12 November 2026.

Upvest's investment API will handle order execution, settlement, custody of securities and regulatory reporting. Finary said it will focus on the user experience rather than building that infrastructure itself. Upvest already supplies similar infrastructure to Revolut, N26 and bunq, according to the release.

Fractional shares and ownership

Upvest lets users buy fractions of shares while holding direct co-ownership of the underlying security, the companies said. In France, fractional investing usually runs through derivatives, financial contracts or debt instruments, which leaves the investor holding a contract that tracks the share price rather than the share itself.

The release points to counterparty risk in that model: if the issuer of the contract fails, the investor can lose the money. Under Upvest's structure, each fraction is held in a protected structure that survives insolvency, and the French markets regulator, the AMF, has recognised such fractions as full equity securities, according to the release.

The savings gap the partners cite

Finary frames the launch around a gap between saving and investing in France. Citing Banque de France figures, the partners said French households put 9.5% of their income into savings in the first quarter of 2026, against a euro-area average of 5.8%.

Financial savings in France exceed EUR 6,500 billion, but only about 4% is invested directly in listed shares, according to the same figures. The Livret A savings account alone holds around EUR 444 billion, and euro-denominated life insurance funds more than EUR 1,500 billion.

The release quotes Finary's position that France does not have a savings problem but an investment shortfall. It also quotes the company's stated reason for choosing Upvest: a regulated infrastructure, execution quality and a team that understands investors' expectations.

Where this fits for Finary

Finary has already expanded beyond account aggregation. It launched crypto investing in late 2023 and a life insurance product developed with Generali in early 2025. Stocks and ETFs complete that line-up.

The article accompanying the release also raises a competitive point: account aggregation, Finary's original business, is the kind of task AI assistants could take over. Since May 2026, OpenAI has offered a personal finance feature in the United States that connects ChatGPT to bank accounts and investment portfolios through Plaid, with an aggregated dashboard for balances, transactions, subscriptions and portfolio performance.

Upvest was founded in 2017 and says it has 280 employees and handles more than 100 million transactions a year. The release does not give a launch date for the Finary stock and ETF offer, nor the fees users will pay.