Altify UK Limited

What Altify UK Limited does

Altify UK Limited is a London-headquartered alternative investment platform founded in 2018 that enables retail and institutional investors to access tokenized private credit, US equities, cryptocurrencies, commodities, and structured products via blockchain-based fractional ownership. The platform was formed in December 2023 through the merger of South African crypto pioneer Revix with European rival Coinpanion (and BitFund), consolidating two regional players under a unified global brand. Altify operates a multi-asset super-app: a Crypto Bundle engine offering 13 ETF-style auto-rebalancing portfolios (Top 10, DeFi, Web 3.0, Metaverse, Payments, etc.) at monthly rebalance fees of 0.09%-0.17%, xStocks tokenized US equities issued by Backed Assets with 1:1 share backing launched October 2025, a Private Credit product targeting 10-15% yields from tokenized funds accessible from 100 USDC, plus 50+ cryptocurrencies, Pax Gold (PAXG), USDT/USDC stablecoins, and the ALFI legal-finance token. Underlying technology includes a proprietary Smart Trade Order Routing System (STORS) for cross-exchange execution, RWA tokenization infrastructure validated by the KPMG Tech Innovator for Southern Africa 2025, AI Insights and an Ali chatbot for portfolio commentary, and integrations with Fireblocks for institutional custody, B2C2 for liquidity, OpenPayd for multi-currency on/off ramps, Sumsub for KYC/AML, and Microsoft Azure for cloud infrastructure.

The business model is transaction-based with tiered pricing across five Rewards tiers (Blue, Silver, Gold, Platinum, VIP) offering up to 50% fee discounts, charging 0.25%-0.50% on trades plus spread, fiat deposit/withdrawal fees (free for ZAR/EUR; 0.50% for GBP/USD deposits), and dedicated Private Wealth OTC services for HNW and institutional clients. The company is regulated in South Africa under the FSCA as Financial Services Provider (FSP 52727) and Crypto Asset Service Provider (CASP 53289), as a VASP in Poland (RDWW-724), and as a VQF member in Switzerland via subsidiary Motif Labs GmbH. Geographic reach spans South Africa, the UK, and Europe via strategic partners Adaverse and EMURGO, though retail service is currently restricted in the US, UK, and EU pending licensure. The 80,000+ user base is served by a team of 11-50 employees across London, Cape Town, Johannesburg, Warsaw, and Zurich, backed by Sabvest, High-Tech Gründerfonds, CVVC, Emurgo, Adaverse, Calm Storm Ventures, Founders Factor Africa, and a syndicate of European fintech angels including Patrick Pöschl (Scalable Capital), Christopher Oster (CLARK), Florian Gschwandtner (Runtastic), and Frank Westermann (mySugr).

Name

Altify UK Limited

Legal name

Altify UK Limited

Website

https://altify.app

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Altify is a London-headquartered alternative investment platform founded in 2018 that lets retail and institutional investors access tokenized private credit, US stocks, cryptocurrencies, commodities, and structured products through blockchain-based fractional ownership, regulated in South Africa, Poland, and Switzerland.

Ownership category

akta.pro rank

Product category

Alternative Investment Platform

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Other Investment Pools and Funds (5259)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Tokenization Platforms (RWA, Securities, Funds) (FSAGAMAA)

akta.pro secondary industries

Tokenized Securities & Capital Markets Infrastructure (equities, bonds, funds, ATS/MTF connectivity) (FSAPAIAD), Yield Aggregators, Auto-Compounding & Strategy Vaults (DeFi Yield) (FSADAHAK), Tokenized Securities & Capital Markets (Equity, Debt, Funds) (FSADAEAA), Managed Accounts, Separately Managed Accounts (SMA) & Funds Platforms (Crypto) (FSADAHAM)

Keywords

• Alternative investments
• Tokenized assets
• Crypto trading
• Private credit
• Fractional ownership

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Trading/Transaction Fees: Platform charges trading fees on buy and sell orders. Base rate of 0.50% with tiered discounts through Rewards program (down to 0.25% for VIP). Includes spread of 0.05%-0.50% on crypto trades via RFQ system.
2. Crypto Bundle Rebalance Fees: Monthly rebalancing fees charged on Crypto Bundle holdings, ranging from 0.17% to 0.085% depending on customer fee tier.
3. Fiat Deposit/Withdrawal Fees: Fees on fiat currency deposits (0.50% for GBP/USD, free for ZAR/EUR) and withdrawals (R50 ZAR, 1% GBP/USD, fixed EUR). Crypto deposits and withdrawals have fixed fees.
4. OTC Trading Services: Institutional clients access OTC trading with dedicated support, larger order execution, and customized settlement options.
5. Rewards Redemption: Points earned through platform engagement can be redeemed for Bitcoin, incentivizing continued use and investment activity.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Altify operates a digital investment platform (mobile app and web portal) that enables retail and institutional users to invest in alternative assets via blockchain tokenization. Its product set spans tokenized private credit funds targeting 9–14% yields, tokenized US stocks (xStocks), 50+ cryptocurrencies, auto-rebalancing Crypto Bundles, gold via Pax Gold (PAXG), stablecoins, and supporting services such as OTC trading, crypto custody, and yield generation.

Product overview

Altify is a platform-plus-modules investment super app that makes it easy for anyone to invest in alternative assets. The core platform unifies multiple product lines: Private Credit (tokenised private credit funds with 10-15% targeted yields), xStocks (tokenised US stocks via xStocks), Cryptocurrencies (50+ assets with smart trade routing), Crypto Bundles (13 ETF-style auto-rebalancing portfolios including Top 10, DeFi, Web3, Metaverse, Payments), Pax Gold (PAXG — gold-backed tokens), and Stablecoins (USDT and USDC). Supporting modules include Recurring Buys (automated DCA), Private Wealth/OTC (institutional-grade large-order execution), Crypto Yield Generation (staking infrastructure), Digital Asset Custody (via Fireblocks), Ali (AI assistant), AI Insights (portfolio analysis), ALFI (legal finance token), and Altify Rewards (tiered loyalty program). The platform is headquartered in London with offices in Cape Town, and is regulated in South Africa and Switzerland.

Differentiator

Problem solved

Functional benefit

Brands

• Crypto Bundles: ETF-style auto-updating crypto portfolios offering diversified exposure to cryptocurrencies
• Private Credit
• xStocks (Tokenised Stocks)
• Recurring Buys
• Pax Gold (PAXG)

Products and services

• Private Credit Tokenised private credit funds offering targeted annual yields of 9–14% (around 11%) with quarterly interest distributions paid in USDC, providing institutional-grade on-chain exposure to private credit starting from a 100 USDC minimum. Designed for retail investors and wealth-building users seeking USD yield and diversification away from public markets.
• xStocks (Tokenised US Stocks) Blockchain-based digital representations of US stocks and ETFs (e.g., Tesla, Nvidia, Microsoft, S&P 500) issued by Backed Assets (JE) Limited, with 1:1 backing by real shares custodied at regulated institutions. Enables 24/7 trading and fractional ownership starting from approximately $10, targeted at retail investors.
• Cryptocurrencies Buy, sell, and store over 50 cryptocurrencies 24/7 via the proprietary Smart Trade Order Routing System (STORS) that aggregates liquidity across top exchanges. Supported assets include BTC, ETH, SOL, ADA, XRP, DOGE, and others. Available to retail and HNW clients.
• Crypto Bundles ETF-style auto-updating crypto portfolios offering diversified exposure to the crypto market or specific sectors (Web 3.0, DeFi, Metaverse, Payments) with automated monthly rebalancing based on market capitalization or sector rules. Bundles include Top 10 Market, Top 20 Market, DeFi, and Ecosystem variants.
• Pax Gold (PAXG) Digital asset backed 1:1 by physical gold (one fine troy ounce per token), custodied in LBMA-accredited London vaults via Paxos Trust Company. Provides exposure to gold prices with blockchain advantages including divisibility and 24/7 tradability, used by retail investors as an inflation hedge.
• USDC (USD Coin) Stablecoin pegged 1:1 to the US Dollar, backed by reserves including cash and short-term US Treasuries. ERC-20 token on Ethereum used for trading, holding, and moving value on the platform, and for receiving interest distributions from private credit investments.
• Private Wealth OTC Trading OTC trading service serving private and institutional clients with superior cross-exchange trade execution and deep liquidity for large orders, customized settlement options, and dedicated account management. Available to high-net-worth individuals and institutional investors via the Private Wealth division.
• Crypto Yield Generation Crypto staking infrastructure service that runs blockchain validators on behalf of users to earn staking rewards, generating passive income on idle crypto assets. Targets HNW and institutional clients within the Private Wealth division.
• Digital Asset Custody Institutional-grade crypto asset custody solution using Fireblocks' Multi-Party Computation (MPC) wallet infrastructure, enabling secure management, transfer, and storage of crypto assets. Targets institutional and HNW clients.
• ALFI (Legal Finance Token) South Africa's first legal finance token offering an 11% USD return backed by secured UK legal loans, making private credit-style litigation finance investing accessible to retail investors on the Altify platform.
• Altify Mobile App Native mobile application for iOS and Android that gives retail users access to the Altify investment platform, including private credit, tokenized US stocks, cryptocurrencies, crypto bundles, gold, and stablecoins, with self-serve onboarding, identity verification, and investing capabilities.

Quantifiable outcome

• Private credit target yield: 9-14% annual after fees
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core.

• AdaversecoreStrategic or Co-development PartnerStrategic investment and collaboration partner for global expansion. Combined with EMURGO to position Altify for growth in emerging markets.
• FireblockscoreTechnology or IntegrationInstitutional-grade digital asset custody using Multi-Party Computation (MPC) wallet infrastructure. Protects crypto assets across the platform.
• Standard BankcoreOthersAfrica's largest bank facilitates fiat currency transfers for South African customers.
• B2C2coreTechnology or IntegrationLeading crypto liquidity provider delivering deep liquidity and reliable execution for trading operations.
• OpenPaydcoreTechnology or IntegrationPowers multi-currency deposits and withdrawals across the global investing platform.
• Microsoft AzurecoreTechnology or IntegrationCloud infrastructure provider ensuring secure access control, data encryption, monitoring, and isolation. ISO 27001 and SOC 2 compliant.
• SumsubcoreTechnology or IntegrationKYC/AML identity verification streamlining compliance and seamless onboarding for customers.
• MazarscoreOthersLeading global audit firm conducts annual financial audits of the platform.
• Backed Finance / Backed Assets (JE) LimitedcoreTechnology or IntegrationIssues tokenized stocks (xStocks) with 1:1 backing by real shares custodied at regulated institutions. Enables 24/7 trading of tokenized US equities.
• Paxos Trust CompanycoreTechnology or IntegrationRegulated by NYDFS, issues Pax Gold (PAXG) - each token backed by 1 fine troy ounce of gold in LBMA vaults.

Scale indicators6 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Luno: Luno is a London-headquartered crypto exchange with a strong focus on South Africa and other emerging EMEA markets, directly overlapping Altify's primary geographic footprint and retail crypto trading offering.
• eToro: eToro is a global multi-asset retail investing platform offering stocks, crypto, ETFs, and commodities to millions of users, directly competing with Altify's super-app approach across tokenized stocks, crypto, and alternative assets.
• Cake DeFi: Cake DeFi is a Singapore-headquartered platform offering crypto yield products (staking, lending, liquidity mining) — directly comparable to Altify's Crypto Yield Generation, Private Credit, and tokenized yield offerings for retail users.
• YouHodler: YouHodler is a Swiss-based crypto lending and yield platform offering savings, loans, and multi-asset exposure — a closely comparable model to Altify's Private Credit, yield generation, and bundled alt-investment approach.
• Bitstamp: Bitstamp is a Luxembourg-headquartered, regulated crypto exchange (now majority-owned by Robinhood) operating across Europe — directly comparable to Altify as a regulated European crypto platform with OTC and institutional services.

Broad incumbents

• Revolut: Revolut is a global neobank with built-in crypto trading, stocks, and commodities offerings for tens of millions of users — a much larger incumbent whose broad fintech suite competes with Altify's multi-asset retail platform across Europe.
• Binance: Binance is the world's largest crypto exchange offering trading, staking, and yield products globally — an incumbent competing with Altify on retail crypto trading fees, asset breadth, and yield products.
• Coinbase: Coinbase is a US-listed, regulated crypto exchange and brokerage offering trading, custody, staking, and asset management to tens of millions of users — a broad incumbent competing with Altify on retail crypto, staking, and custody.
• Kraken: Kraken is a US-based, globally regulated crypto exchange offering trading, staking, and OTC services — a broader incumbent competing with Altify's Private Wealth division and core crypto trading offering.

Emerging players

• Scalable Capital: Scalable Capital is a Munich-based digital wealth management and brokerage platform offering stocks, ETFs, crypto, and savings plans across Europe — comparable in product breadth and EU regulatory positioning to Altify's retail investing super-app model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Altifyinvest

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries4 records

Funding overview

Funding rounds2 records

Investors2 records

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

M&A3 records

Investments

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

Frequently asked questions about Altify UK Limited