Three verticals. One regulated platform.

Concedus operates three distinct but integrated service lines — each built on the same regulatory core, each aligned to how European financial products are actually built and distributed.

Identify your fit

Which vertical aligns with your business?

An investment platform, crowdinvesting product, or issuer infrastructure
Retail or professional investors subscribing to primary-market products
Regulatory umbrella
A distribution channel for alternative funds, private debt, private equity, or pre-IPO allocations
Professional or institutional investors across the EEA
Private markets
Embedded investing, a securities offering inside a neobank, or a crypto brokerage
End users of a fintech or payment platform
Capital markets access
The three verticals

Detail where it matters.

Same regulatory core, three distinct service lines mapped to how European financial products are built.

01

Regulatory umbrella

Full regulatory infrastructure for tied agents (VGVs) and issuers (OTEs). Primary market, execution-only, API-based. You build the product; we provide the license.

  • Tied agent status under § 3 WpIG
  • Investment brokerage and advisory under your brand
  • Full client lifecycle handling — KYC, classification, suitability
  • Integrated with paying agents, custodians, and depositaries

Investment platforms · Crowdinvesting · Issuers

Proof point 100k+ investors · since 2020
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02

Private markets

EEA-wide distribution of alternative investments to professional and institutional investors. One onboarding, EEA-wide access. Placement agents and fund managers plug in; Concedus handles cross-border compliance.

  • NPPR distribution across the EEA
  • Pre-marketing under § 306b KAGB
  • Professional client classification and target-market alignment
  • Compatible with Luxembourg, Cayman, Delaware fund structures

Placement agents · Fund managers · Capital introducers

Proof point EEA-wide · one onboarding
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03

Capital markets access

Regulatory backbone for neobanks, payment platforms, and embedded finance players offering equities, ETFs, or crypto to end users. Combines the Concedus license with established execution and custody partners.

  • Equities, ETFs, and MiCAR-scope crypto-assets
  • Integration with licensed execution & custody providers
  • White-label or co-branded configurations
  • DORA and BAIT-compliant infrastructure

Neobanks · Payment platforms · Embedded finance

Proof point MiFID II + MiCAR · dual scope
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Across all verticals

One regulated core. Every vertical, the same foundation.

Whatever vertical you enter, you inherit the same licensed perimeter, the same compliance engine, and the same operational rigour.

BaFin-supervised

Every transaction, classification, and advisory interaction is handled under the Concedus license and direct BaFin supervision. Not a brokered passport — a native German securities institution.

One compliance engine

KYC, KYB, client classification, suitability and appropriateness checks, target-market alignment, and AML screening — all run on the same proprietary engine, accessible via API.

Audit-ready reporting

Regulatory reporting, record retention, and audit trails built to § 83 WpHG standards.

Resilient by design

Multi-region, DORA-compliant, BAIT-aligned. Full disaster recovery and incident handling processes in place from day one.

Common questions

Choosing the right vertical

Can I operate across multiple verticals with Concedus?
Yes. Many clients use two verticals simultaneously — for example, a neobank that embeds equities trading (capital markets access) and also distributes thematic investment funds (private markets). The underlying license and infrastructure are shared.
What's the difference between regulatory umbrella and capital markets access?
Regulatory umbrella covers primary-market distribution — investment platforms, crowdinvesting, issuer infrastructure. Capital markets access covers secondary-market trading — equities, ETFs, and MiCAR crypto-assets for end users of neobanks and payment platforms.
Which vertical covers tokenized securities?
Both the regulatory umbrella and capital markets access verticals cover tokenized instruments. The regulatory umbrella handles primary-market issuance and distribution of security tokens (eWpG Kryptowertpapiere); capital markets access handles secondary trading where applicable.
Do I need my own BaFin license to work with Concedus?
No — that's the point of the Haftungsdach construction under § 3 WpIG. You operate under the Concedus license as a tied agent, or as an issuer using Concedus distribution infrastructure. No separate BaFin approval needed for most setups.
How does onboarding differ between verticals?
Regulatory umbrella: 6–12 weeks for new tied agents, faster for migration from another umbrella. Private markets: typically 4–8 weeks for first fund distribution. Capital markets access: usually 2–3 months, because of integration with execution and custody partners.

Not sure which vertical is right for you?

Many clients operate across multiple verticals. A 30-minute scoping call is usually enough to map the right license setup.

Book a scoping call