Regulated investing, embedded in your product.

For neobanks, payment platforms, and embedded finance players offering securities or crypto to end users. Concedus provides the regulatory layer; licensed execution and custody partners handle the transactions. One integration, full MiFID II and MiCAR coverage.

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What this is

The regulatory backbone for embedded investing.

Capital markets access is the vertical built for firms that want to offer their end users regulated investment products — equities, ETFs, or crypto-assets — without holding a MiFID II or MiCAR license themselves. Concedus provides the licensed framework and compliance engine; specialized partners provide execution, custody, and settlement. The integration is API-first, built for platforms that already have a customer base and a product team, and that need to plug in regulated investing as a new surface without rebuilding their stack.

MiFID II · MiCAR
Integration architecture
Surface layer Your product
(neobank, fintech app, payments platform)
Regulated perimeter Concedus
License · compliance engine · client lifecycle
Execution layer Execution & custody partners

Three layers. One regulated counterparty.

Instrument scope

MiFID II and MiCAR — one perimeter, two regulatory frameworks.

Concedus is one of a small number of German providers combining MiFID II and MiCAR under a single regulated perimeter. Each framework covers different instrument categories — knowing which instrument falls under which framework matters for product design.

MiFID II scope

Securities, funds, and tokenized instruments.

  • Classical securities (equities, bonds, certificates)
  • Fund units (UCITS, AIFs)
  • ETFs — including crypto-ETFs as MiFID instruments
  • Tokenized securities (e.g., eWpG Kryptowertpapiere)
  • Asset investments (Vermögensanlagen)

Tied-agent construction available.

MiCAR scope

Crypto-assets held directly.

  • Crypto-assets held directly (Bitcoin, Ether, etc.)
  • Utility tokens, asset-referenced tokens
  • E-money tokens under specific regimes

No tied-agent construction — services provided directly by Concedus.

Integration shape

Clean surfaces. Your UX, our license.

White-label or co-branded

Configure the end-user experience under your brand, or explicitly disclose Concedus as the licensed counterparty. Both patterns are operational.

API-first

Connect via Concedus Core's Capital Markets API. Client onboarding, investment approval, transaction monitoring, reporting — all programmatic.

Certified partner stack

Integration with licensed execution and custody providers (Upvest for securities, Tangany and similar for crypto custody, classical depositaries for ETFs). Already connected and production-tested.

Audit-ready IT compliance

EU multi-region infrastructure with DORA-compliant resilience and BAIT-aligned IT governance. No separate audit work needed from you.

Reference setups

Platforms running embedded investing through Concedus.

01

Neobank, equities + ETFs

European neobank integrating equities and ETFs trading directly into the main banking app. Concedus as licensed intermediary, Upvest as execution and custody partner.

Stack Concedus · execution & custody partner
02

Payments platform, investing layer

Pan-European payments and spend-management platform extending into investing for its existing customers. Concedus license layer, third-party execution, integrated fully via API.

Stack Concedus · execution partner
03

Crypto-forward app, MiCAR scope

Consumer fintech offering direct crypto exposure to end users. Concedus as MiCAR-licensed counterparty; crypto custody via a specialized regulated custodian.

Stack Concedus · crypto custody partner

Specific client names disclosed under partnership agreements. See Partners & clients for the public ecosystem overview.

Onboarding

From first call to live operations.

  1. 01

    Scoping call

    Product design, end-user journey, target jurisdictions, instrument scope.

    ~1 WEEK ON CALENDAR
  2. 02

    Fit assessment & partner mapping

    Written scope, required partner integrations (execution, custody, identity), commercial terms.

    ~2–3 WEEKS
  3. 03

    Technical integration & regulatory setup

    API integration, compliance process setup, BaFin notifications where applicable, partner sign-offs.

    ~4–8 WEEKS
  4. 04

    Go-live & scale

    End-to-end testing, staged rollout, live operations.

    ~2–4 WEEKS

Total time from first call to go-live: typically 2–3 months.

Common questions

Capital markets access — the usual questions

Do we need our own MiFID II or MiCAR license?
No. Concedus is the licensed counterparty. Your end users transact with a regulated institution (Concedus) via your product interface. This is operationally similar to how many neobanks embed lending or FX via licensed partners.
Can we offer both MiFID instruments and MiCAR crypto-assets in the same product?
Yes — this is one of the reasons platforms choose Concedus specifically. Most providers hold only MiFID or only MiCAR; Concedus holds both. But remember: tied-agent structures exist only for MiFID scope. MiCAR services are always provided directly by Concedus itself.
Who handles custody?
Established partners. Concedus integrates with execution and custody providers (e.g., Upvest for securities execution and custody, specialized crypto custodians for MiCAR-scope assets, classical depositaries for ETFs). We do not hold client assets.
Can we white-label fully, without disclosing Concedus to end users?
Yes, subject to regulatory requirements. Disclosure rules depend on the specific product and jurisdiction; we assess case-by-case during onboarding and ensure compliance while preserving your brand experience.
How long does integration take?
Typically 2–3 months from first call to go-live, driven by the depth of the partner stack integration. Simpler configurations (e.g., ETF-only, single jurisdiction) can be faster.
What happens if one of our partners changes or fails?
Concedus does not depend on any single partner for a given vertical. For execution and custody, we have alternative-provider setups available; partner substitution is a planned migration path, not a catastrophic event.

Start scoping your embedded investing setup.

We'll map license scope, partner stack, and timeline. Typical first call within two working days.

Get in touch Request API access