Beatvest
“Can an education-first onboarding funnel convert German retail beginners into a sustainable embedded-brokerage business on top of lemon.markets' rails?”
HQMunich, Germany
FoundersSophie Thurner, Julia Kruslin
Total raised$1.41M
Latest roundSeed, January 2023
IndustryFintech / Investment
The story
Beatvest (operated by Wisefolio GmbH, Munich) is a beginner-focused investment-education app that brokers financial instruments as a tied agent under lemon.markets brokerage GmbH. The company itself holds no securities license — instead it operates under lemon.markets' BaFin-regulated umbrella, a common embedded-investing model in Germany. Strategy is to onboard first-time investors via gamified education and route execution to a partner brokerage rather than build its own broker-dealer stack.
Last 12 months
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Product timeline
2023
Raised $1.41M seed round led by APX Ventures with Neosfer and Axel Springer Porsche· funding
Regulated entities
1
regulatory licence held by Beatvest
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in Beatvest’s embedded-finance stack
Banking / BaaS
lemon.markets brokerage GmbH (brokerage umbrella)
Accounting gap: none