“Can a regulated, API-first brokerage become the default infrastructure for embedded investing across European banks, EMIs and fintechs?”
lemon.markets started in 2020 as a Berlin-based developer-focused brokerage API. It has since matured into a regulated Brokerage-as-a-Service provider, operating its own BaFin-licensed investment firm (lemon.markets brokerage GmbH) and offering banks, neobanks, EMIs, wealth managers and fintechs a one-stop-shop to embed stock and ETF investing — covering securities accounts, cash accounts, order management and regulatory operations under their own license.
lemon.markets discloses lemon.markets brokerage GmbH (in-house) as its banking provider, according to the Embedded Finance Index 2026.
lemon.markets does not disclose a bank charter of its own; its banking services are provided through lemon.markets brokerage GmbH (in-house).
lemon.markets is founded in 2020 and headquartered in Berlin, Germany.
lemon.markets has raised $29.5M in total.
Get a read on where your own stack stands against lemon.markets and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.