Splint Invest

What Splint Invest does

Splint Invest, operated by MARK Investment Holding AG and headquartered in Zug, Switzerland, is a mobile-first FinTech platform that enables individual investors to acquire fractional co-ownership in physical alternative assets starting from a €50 minimum. The platform issues digital certificates — branded "splints" — that represent proportional ownership in assets held and managed by Splint Invest, with professional storage and insurance bundled into each investment. Across 13+ asset categories including rare whisky, fine wine, luxury watches, Hermès handbags, art, classic cars, diamonds, trading cards, sneakers, movie props, sports memorabilia, and precious metals, the platform has released 678 assets and channeled approximately €40M in cumulative investment volume as of November 2025, with 19,104 active investing users across Switzerland, Germany, and the UK.

The product surface is anchored on the Splint Invest iOS and Android apps and a complementary web portal, supported by a weekly secondary market that enables peer-to-peer trading of splints prior to the predefined exit of the underlying asset. Asset selection, authentication, and valuation are performed by an in-house team of certified financial analysts supported by a network of external expert partners (Procura London, WineFi, The 1916 Company, Artemundi). The legal and regulatory framework is Swiss — MARK Investment Holding AG is a member of VQF (No. 100956), the Swiss Financial Services Standards Association — and operations span three currencies (EUR, CHF, GBP).

The business model is transaction-based: Splint Invest charges a 2% fee on secondary market trades (collected from sellers), a 2% sales fee when the underlying asset is sold at the end of its investment horizon, and a service fee added to the asset purchase price that covers storage and insurance. There are no subscription or platform fees. The go-to-market is product-led and community-driven, relying on app-store distribution, content marketing, earned media coverage in Swiss financial press, customer testimonials, and Trustpilot social proof rather than direct sales. Distribution is entirely digital with no physical locations.

Name

Splint Invest

Legal name

MARK Investment Holding AG

Website

https://splintinvest.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

101–250 employees

Short description

Splint Invest is a Swiss-regulated, mobile-first FinTech platform that lets retail investors acquire fractional ownership in alternative assets — including whisky, wine, watches, handbags, art, and collectibles — from €50, with bundled storage, insurance, and a secondary market for liquidity.

Ownership category

akta.pro rank

Product category

Alternative Asset Investment Platform

NAICS

Portfolio Management and Investment Advice (523940), Miscellaneous Intermediation (52391)

SIC

Investment Advice (6282), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Retail Investment Products (RIPs) & Packaged Products (PRIIPs/KIDs) (FSACAMAN)

Keywords

• Fractional investment platform
• Alternative asset investing
• Luxury collectibles investment
• Digital ownership certificates
• Mobile investment platform

Headquarters

HQ city

Zug

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction/Trading Fees: 2% transaction fee on secondary market trades collected from sellers. Combined with 2% sales fee when assets are sold at end of investment horizon.
2. Service Fees: Small service fee added to total asset price covering professional storage and insurance of physical assets. Applied per asset.
3. Sales Fees: 2% fee on the sales price applied when an asset is sold at the end of the predefined investment horizon.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Splint Invest operates a mobile-first fractional ownership platform that enables individual retail investors to purchase digital shares (called 'splints') representing co-ownership in physical alternative assets such as rare whisky, fine wine, luxury watches, Hermès handbags, classic cars, diamonds, art, trading cards, sneakers, and precious metals. The platform allows investments starting from €50 (or CHF/GBP equivalent), offers weekly secondary market trading for liquidity, and bundles professional storage, insurance, and expert-curated asset selection into the offering.

Product overview

Splint Invest is a Zug-based Swiss FinTech platform that democratizes luxury investments through fractional ownership of alternative assets. The core offering is the Splint Invest mobile app, which enables investors to purchase 'splints' (digital shares of co-ownership) starting from €50. The platform spans 13+ investment categories including luxury watches, Hermès handbags, fine wine, rare whisky, classic cars, diamonds, trading cards, sneakers, art, movie props, sports memorabilia, and precious metals. Key features include weekly secondary market trading for liquidity, expert-curated investment selections, portfolio tracking, and professional asset storage and insurance management. The platform has facilitated over €40M in total investment volume across 678 assets with an average net return of 24% on exits. Splint Invest acquired Elephants (a luxury watch co-investment platform) in 2024 and operates as part of MARK Investment Holding AG.

Differentiator

Problem solved

Functional benefit

Products and services

• Splint Invest Mobile App and Web Platform Self-serve mobile and web platform that enables individual retail investors to create accounts and purchase fractional shares (splints) in alternative assets starting from €50. Supports EUR, CHF, and GBP currencies, credit card, Apple Pay, Google Pay, and bank transfer payments.
• Splints (Digital Ownership Certificates) Digital certificates representing fractional co-ownership in physical alternative assets. Each asset is divided into digital shares called 'splints', making high-value luxury and collectible investments accessible from €50 per unit.
• Secondary Market Trading Weekly trading days enabling investors to trade their splints with other platform investors for faster liquidity before the predefined investment horizon ends. A 2% transaction fee applies to sellers on each trade.
• Whisky Investment Funds Pre-vetted whisky investment opportunities managed by experts, including rare whisky casks and bottled whiskies selected for appreciation potential. The platform's original asset category.
• Luxury Watches Investments Fractional investment opportunities in luxury watches from brands including Rolex, Patek Philippe, and Audemars Piguet. Watch category showed 20% annual appreciation from 2018–2023 according to referenced industry data.
• Sports and Pokémon Trading Card Investments Pre-vetted sports and Pokémon trading card investment opportunities including cards from star athletes. The sports memorabilia market was valued at $33 billion in 2022.
• Luxury Handbags Investments (Hermès, Chanel, Louis Vuitton, Dior) Fractional investment opportunities in luxury handbags from premium brands including Hermès Birkin, Kelly, and Constance models. Annualised volatility between 2% and 7%.
• Smart Club Exclusive investor community for active Splint Invest users offering additional platform benefits, features, and engagement opportunities for high-volume investors.

Quantifiable outcome

• 24% average net return on 62 completed exits over approximately 16-month holding periods
• +4 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• VQF (Financial Services Standards Association)coreOthersSwiss financial services self-regulatory organization. Splint Invest is a member (No. 100956) of VQF, indicating compliance with Swiss financial services standards and regulatory oversight.
• VenturelabminorOthersSwiss innovation and startup ecosystem organization. Listed as a proud member of the Venturelab network, indicating participation in Switzerland's startup support infrastructure.
• InnosuisseminorOthersSwiss Innovation Agency promoting science-based innovation. Splint Invest is listed as an Innosuisse-associated company, indicating connection to Swiss innovation support programs.
• Tenity (formerly F10)minorOthersSwiss fintech incubator and accelerator program. Listed as a proud member of the Tenity/F10 ecosystem, indicating participation in fintech startup support and mentorship programs.
• LEXRcoreImplementation/ SI/ Consulting PartnerSwiss law firm providing legal services to Splint Invest. Team includes Christian Meisser, Max Krähenbühl, and Yoann Garraux supporting legal, compliance, and finance operations.
• Legatax BertschicoreImplementation/ SI/ Consulting PartnerSwiss law firm providing legal services to Splint Invest, with Samuel Bertschi as the primary contact.
• XellenzcoreImplementation/ SI/ Consulting PartnerAudit and assurance firm serving as the Bankruptcy Representative for all Co-Owners in event of Splint Invest's bankruptcy, as disclosed in regulatory information. Patrick Hitz serves as the contact.
• Procura LondonminorStrategic or Co-development PartnerExpert partner in art investments, featured in Splint Invest's Collectibles Report 2024 Part 3. Provides market insights and expertise for art investment opportunities on the platform.
• WineFiminorStrategic or Co-development PartnerExpert partner in wine investments, featured in Splint Invest's Collectibles Report 2024 Part 3. Contributes wine market expertise and analysis for wine investment offerings.
• The 1916 CompanyminorStrategic or Co-development PartnerExpert partner in collectibles investments, featured in Splint Invest's Collectibles Report 2024 Part 3. Provides market insights for alternative investment categories including watches and collectibles.
• YourassetminorStrategic or Co-development PartnerSwiss luxury financing partner offering payment options for purchasing watches over 12-60 months up to CHF 250,000. Provides complementary service for investors wanting to own luxury items while Splint Invest focuses on investment opportunities.
• ArtemundiminorStrategic or Co-development PartnerArt investment expertise partner, featured in strategic art investment collaboration with Splint Invest on Rudolf Stingel investment opportunities.

Scale indicators16 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Masterworks: US-based fractional ownership platform for blue-chip art, allowing retail investors to buy shares in individual artworks from a few hundred dollars. Most directly comparable to Splint Invest's art category and overall fractional-alts model.
• YieldStreet: US-based platform offering fractional access to multiple alternative asset classes (art, real estate, marine, legal finance). Comparable breadth of asset categories and similar retail-investor onboarding approach.
• Rally: US-based fractional ownership marketplace for collectible cars, sports memorabilia, watches, and rare assets. Closely mirrors Splint's diversified collectibles approach with similar secondary-market trading mechanics.
• WineFi: UK-based fractional wine investment platform that is also a Splint expert partner. Direct overlap in fine-wine category with comparable minimum-investment thresholds and curation model.
• Otis: US-based fractional luxury watch investment platform. Direct competitor to Splint Invest's luxury-watch category with similar low-minimum fractional ownership and curated offering.
• Vint: US-based fine-wine investment platform offering curated, fractional access to wine collections. Highly comparable to Splint Invest's fine-wine category in product, audience, and fee structure.
• Vinovest: US-based automated wine-investment platform with fractional portfolio construction. Similar in offering curated, low-minimum wine exposure to retail investors with professional storage and exit handling.
• Arrived: US-based fractional real-estate investing platform with low minimums ($100+) and a mobile-first, self-serve onboarding flow. Comparable retail-investor GTM and fractional-ownership model for a single asset category.
• Timeless: Swiss luxury-watch fractional investment platform explicitly referenced by Splint customers as a comparable service. Direct competitor in Splint's largest asset category with overlapping DACH customer base.

Emerging players

• Moonfare: Berlin-based private-equity fund access platform enabling individual investors to build PE portfolios with lower minimums. Comparable DACH presence and target affluent retail segment, though focused specifically on private equity rather than collectibles.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SplintInvest
• Facebookfacebook.com/splintinvest

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds10 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Splint Invest