How Scalable Capital Is Transforming the Investment Market in Europe

How Scalable Capital Is Transforming the Investment Market in Europe

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by Alexandra Smirnova

a year ago

Scalable Capital — one of Europe's leading investment platforms, combines advanced technology, automation, and accessibility for retail investors. Founded in Germany, the company offers a modern approach to wealth management, ranging from ETFs and stocks to cryptocurrency products. With over one million users and more than €34 billion in assets under management, Scalable Capital is steadily moving toward becoming the top player in the continent's digital finance sector.

Contents:

Scalable Capital — leading investment platform

General Company Overview

Founded in 2014 in Munich, Scalable Capital quickly gained popularity in Germany as a robo-advisory service for automated investment management. Over time, the platform evolved into a full-fledged online broker, offering investments in stocks, exchange-traded funds (ETFs), cryptocurrency ETPs, and other instruments. By 2023, Scalable Capital had expanded to France, Italy, Spain, and the Netherlands, reaching over 1 million users by 2025. The core audience is retail investors who value low fees, user-friendly interfaces, and access to innovative investment tools.

Technology and Exchange Infrastructure

Scalable Capital emphasizes high-level automation by integrating all services into a single platform. The company develops its own wealth management algorithms, which consider investor risk profiles, macroeconomic trends, and market volatility. A key milestone was the creation of its own trading infrastructure — the European Investor Exchange, launched in partnership with the Hanover Stock Exchange. This enabled the platform to reduce third-party dependencies and increase control over transactions, especially during market surges.

Scalable Capital Investment Products

Scalable Capital offers a wide range of investment solutions tailored to both beginner and experienced investors. The platform focuses on convenience and automation, allowing users to easily build a portfolio of traditional and digital assets. All products are available through a single interface, making investment management seamless and especially appealing to retail clients.

Available product categories include:

  • Stocks: Over 6,000 international companies.

  • ETFs: Hundreds of thematic funds — from S&P 500 to ESG.

  • Bonds and derivatives: For advanced traders and hedging strategies.

  • Cryptocurrencies via ETP: Support for 17 digital assets including Bitcoin and Ethereum.

  • Savings plans: Automated investments starting from just €1.

Particular focus is placed on crypto instruments. Users can invest in digital assets via regulated ETPs without the need for a separate wallet. Additionally, Scalable Capital introduced staking options offering up to 5% annual returns, attracting both traditional investors and Web3 users.

Pricing and Monetization Model

Scalable Capital offers a flexible pricing structure tailored to various investor profiles — from beginners to active traders. Users can choose between a free basic plan and a premium subscription with a fixed monthly fee, gaining access to additional features and reduced transaction fees. Transparent pricing and no hidden charges make the platform competitive against traditional brokers and banks.

The table below outlines the main pricing plans and conditions:

Plan Cost Trade Fees Interest Rate Ideal for
FREE €0/month €0.99/trade 0% beginner investors
PRIME+ €4.99/month 0 2.25% up to €500,000 active investors

The platform also earns through spreads, affiliate product commissions, and interest income from managed assets. This model provides Scalable Capital with a sustainable, scalable foundation for expansion into other markets.

Security, Regulation, and Growth Plans

Scalable Capital complies fully with European legislation and is regulated by Germany's BaFin. All client assets are securely held by partner bank Baader Bank AG, and user data is protected under GDPR standards. The company has also applied for a full banking license, which will enable it to offer services such as lending and debit cards in the future.

In June 2025, Scalable Capital announced a new funding round totaling €155 million, with participation from Tencent, BlackRock, and other key investors. These funds will support product development, entry into new markets, and enhancement of exchange infrastructure. The strategic goal is to grow assets under management to €100 billion and solidify leadership among European investment platforms.

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