Stratiphy
Stratiphy is a London-based, FCA-authorised fintech that operates an AI-driven platform enabling UK retail investors to build, backtest, and automate systematic investment strategies within ISA and IFISA wrappers, with additional white-label offerings for wealth managers and a carbon offset API.
- Company typePrivate
- Founded2020
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Stratiphy does
Stratiphy is a London-based, FCA-authorised (No. 976267) fintech founded in 2020 that operates an AI-powered investment platform for UK retail investors. The core product enables users to build, backtest against 10 years of historical data, and automate rules-based investment strategies spanning Momentum, MACD, and Moving Average methodologies, with execution and custody handled through a partnership with FCA-regulated WealthKernel (No. 723719). The platform offers Stocks and Shares ISA, Innovative Finance ISA (IFISA), and since April 2026 crypto ETN exposure via 21Shares-partnered Bitcoin, Ether, and Bitcoin-gold products, all accessible through a self-serve iOS/Android app.
Under the hood, Stratiphy applies a proprietary dual-layer machine learning optimisation approach to continuously tune strategy parameters for both returns and volatility, with explicit user-defined constraints. The company is extending this stack with planned Generative AI explanations for trade signals and agentic AI assistance for strategy creation. Beyond the consumer app, Stratiphy sells Business Solutions including white-label investment apps, investment signals, managed accounts, and portfolio construction tools, and operates a separate carbon offset API (Stratiphy Offset) certified to Gold Standard and Verra.
Revenue is generated through three streams: a three-tier subscription (free, £9/month Starter-Sphere, £19/month Strato-Sphere); annual management fees of 0.30-0.50% on ready-made strategies and 0.70-0.90% on custom strategies (tiered by AUM); and trading commissions (£2 per stock, £4 per ETP) on self-directed trades only, with strategy-executed trades commission-free. GTM combines product-led self-serve, retail equity crowdfunding on Crowdcube, and B2B enterprise sales to wealth managers, family offices, pension funds, and platforms, with a notable WealthAi OS integration announced in March 2026. Capital raised to date includes a £282K Crowdcube round (2021) and a €1.16M Innovate UK grant (2024), with a further Crowdcube campaign launched October 2025.
Stratiphy firmographics
Firmographics- Name
- Stratiphy
- Legal name
- Stratiphy Limited
- Website
- https://stratiphy.io
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Stratiphy is a London-based, FCA-authorised fintech that operates an AI-driven platform enabling UK retail investors to build, backtest, and automate systematic investment strategies within ISA and IFISA wrappers, with additional white-label offerings for wealth managers and a carbon offset API.
- Ownership category
- akta.pro rank
Stratiphy industry classification
Industry- Product category
- Investment Management Platform
- NAICS
- Portfolio Management and Investment Advice (52394), Other Financial Investment Activities (5239)
- SIC
- Finance Services (6199), Investment Advice (6282)
- akta.pro primary industry
- Corporate Cards & Spend Controls (FSAGAJAF)
- akta.pro secondary industry
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)
Keywords
Where Stratiphy is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Stratiphy business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Subscription Plans: Three-tier subscription model: Strati-Free (free, 5 strategies), Starter-Sphere (£9/month, 10 strategies), Strato-Sphere (£19/month, 15 strategies). Provides access to platform features including backtesting and strategy creation.
- Management Fees on Assets Under Management: Ready-made strategies charge 0.30-0.50% annually. Custom strategy management fees range from 0.70-0.90% depending on portfolio size (£10k threshold). Applied to funds managed by strategies.
- Trading Commissions: Self-directed trades: £2 per stock trade, £4 per ETP trade. Trades executed within investment strategies are commission-free.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Strati-Free: Free tier with 5 strategies, unlimited backtesting, basic strategy types, customer support, and access to ISA/IFISA/Strativersity. |
| Subscription | Monthly | Starter-Sphere: £9/month with 10 strategies and full platform access. |
| Subscription | Monthly | Strato-Sphere: £19/month with 15 strategies and premium features. |
| Subscription | Annual | Ready-Made Strategy Management: 0.30-0.50% annual fee |
| Subscription | Annual | Custom Strategy Management: 0.70-0.90% annual fee |
| Transaction based/ take rate | Pay-as-you-go | Self-Directed Trades: £2-4 per trade |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Stratiphy product offering
Product offeringCore offering
Stratiphy operates an FCA-authorised, AI-driven investment platform that enables UK investors to build, backtest, and automate personalised systematic investment strategies across stocks, ETFs, commodities, and crypto ETNs, held inside tax-efficient ISA and IFISA wrappers via its iOS, Android, and web apps. A parallel B2B line offers white-label investment apps, managed accounts, portfolio construction, and investment signals to wealth managers, family offices, pension funds, and platforms such as WealthAi.
Product overview
Stratiphy is a unified wealth management platform offering multiple integrated products: the core Stratiphy Investment Platform enables users to create and automate personalized investment strategies with commission-free trading, supported by AI-powered optimization. The platform provides ISA and IFISA accounts for tax-efficient investing in stocks, ETFs, and crypto ETNs. Stratiphy Offset is a separate carbon offset API product for businesses. The Business Solutions platform offers white-label and API-based services including Investment Signals, Managed Accounts, and Portfolio Construction tools for institutional clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Stratiphy Investment Platform AI-powered, FCA-authorised investment platform delivered via iOS, Android, and web that lets UK investors build, backtest, and automate systematic investment strategies across stocks, ETFs, commodities, and crypto ETNs, held inside ISA and IFISA wrappers.
- Systematic Investment Strategies (Momentum, MACD, Moving Averages) Customisable, rules-based investment strategies that users can create, backtest against 10 years of historical data, and automate for execution. Includes Momentum (trend-following), MACD, and Moving Averages strategies with adjustable risk levels.
- ISA and IFISA Tax-Efficient Accounts
- Crypto ETN (cETN) Investment via IFISA
- Business Solutions for Wealth Managers and Platforms
- Stratiphy Offset (Carbon Offset API and Portal)
- Stratiphy iOS Mobile App
- Stratiphy Android Mobile App
Quantifiable outcome
- Average strategy performance of +15.37% across all user strategies
- +2 more outcomes
Companies that use Stratiphy
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Stratiphy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature5 records
Stratiphy partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- WealthAicorePartnership to integrate Stratiphy's managed portfolio services (MPS) directly into WealthAi's AI-driven operating system for wealth managers. Enables firms using WealthAi's OS to access institutional-style portfolio strategies via bank-issued certificates within a single integrated environment. Clients already live with more expected in coming months.
- 21SharescorePartnership providing access to crypto ETNs (Bitcoin and Ethereum) on Stratiphy's platform. 21Shares is Europe's leading issuer of physically-backed crypto ETNs with over $11 billion in assets across 50+ products. Their ETNs are available within Stratiphy's IFISA wrapper for tax-efficient crypto investing.
- WealthKernelcoreWealthKernel serves as Stratiphy's custodian and partner for brokerage services, regulated by the FCA (No. 723719). Handles brokerage operations and investment custody for Stratiphy's platform.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Stratiphy competitors and assessment
Company assessmentDirect peers
- Wealthify: UK-based robo-advisor offering automated, rules-based investment portfolios (ethical, cautious, ambitious plans) with similar target customers and managed-fee revenue model. Both compete for UK retail investors seeking low-cost systematic investing.
- Moneybox: UK consumer investment and savings app offering ISA, GIA, and pension wrappers with round-up investing and themed portfolios. Both target novice-to-intermediate UK retail investors via mobile-first PLG motion with similar fee structures.
- Moneyfarm: UK/Italy digital wealth manager offering managed portfolios and ISA wrappers with risk-tiered strategies. Both compete for UK retail customers seeking professional portfolio management via a regulated platform with tiered subscription/AUM fees.
- Freetrade: UK commission-free investment platform with GIA, ISA, and SIPP wrappers, offering individual stock and ETF trading. Both target UK retail investors with low-cost, self-directed plus automated investing propositions.
- Trading 212: UK/Cyprus-based commission-free investment platform offering Pies (automated, themed portfolio baskets) inside ISA wrappers. Direct competitor on automated portfolio creation, ISA offering, and mobile-first retail investing.
- Nutmeg: UK robo-advisor (owned by JPMorgan) offering fully managed and fixed-allocation portfolios with ISA, JISA, and SIPP wrappers. Closest large-scale direct competitor on systematic retail portfolio management with similar tiered fee model.
Broad incumbents
- Hargreaves Lansdown: UK's largest direct-to-consumer investment platform offering funds, shares, ISAs, and SIPPs with research and tools. Broad incumbent in the same UK retail investment category; Stratiphy's Compliance Officer David Henderson previously led Pensions and Transformation here.
- Interactive Investor: UK subscription-based investment platform offering flat-fee access to ISAs, SIPPs, and a broad range of securities. Established incumbent competing with Stratiphy for UK retail customers seeking low-fee, self-directed investing.
Emerging players
- Clim8 Invest: UK sustainable/impact investing app offering themed portfolios focused on climate-positive companies. Both target values-driven UK retail investors with mobile-first experiences and themed or curated investment strategies.
- Lightyear: Multi-currency investment app offering access to global stocks, ETFs, and interest on uninvested cash. Comparable mobile-first PLG investing experience with broad asset access, though broader geographic scope than Stratiphy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Stratiphy social profiles
Digital presenceStratiphy compliance and trust
Trust signalCompliance3 records
Stratiphy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stratiphy leadership team
Management profileNumber of profiles
Profiles13 records
Stratiphy funding detail
Funding detailFunding overview
Funding rounds6 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stratiphy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stratiphy
What does Stratiphy do?
Stratiphy operates an FCA-authorised, AI-driven investment platform that enables UK investors to build, backtest, and automate personalised systematic investment strategies across stocks, ETFs, commodities, and crypto ETNs, held inside tax-efficient ISA and IFISA wrappers via its iOS, Android, and web apps. A parallel B2B line offers white-label investment apps, managed accounts, portfolio construction, and investment signals to wealth managers, family offices, pension funds, and platforms such as WealthAi.
Is Stratiphy a public or private company?
Stratiphy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Stratiphy founded?
Stratiphy was founded in 2020. It employs 11 to 50 people.
Where is Stratiphy based?
Stratiphy is headquartered in London, United Kingdom, in the Europe region.
How does Stratiphy make money?
Three revenue lines are on record. Subscription Plans are the primary driver. The others are management Fees on Assets Under Management and trading Commissions.
Who are Stratiphy's main competitors?
Direct peers on record are Wealthify, Moneybox, Moneyfarm, Freetrade, Trading 212 and Nutmeg. Broad incumbents are Hargreaves Lansdown and Interactive Investor. Emerging players are Clim8 Invest and Lightyear.
Does Stratiphy have an API?
Yes. Stratiphy offers a carbon offset API that allows businesses to automatically offset carbon emissions at checkout or invoice. The API integrates into ecommerce and banking experiences, enabling businesses to offer carbon offset purchases to their clients. Access methods include: API for fully automated integration, client portal for direct account setup, and CSV file upload/download for data.
What industry is Stratiphy in?
Stratiphy's product category is Investment Management Platform. Its primary akta.pro industry code is FSAGAJAF, Corporate Cards & Spend Controls, with a secondary code of FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 52394 and its SIC code is 6199.