ShareIn
ShareIn is an Edinburgh-based FCA-authorised fintech that provides white-label investment platform infrastructure (onboarding, ISA wrapping, CASS-compliant client money and payments) for UK alternative finance operators in energy, property and impact investment.
- Company typePrivate
- Founded2013
- HeadquartersEdinburgh, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What ShareIn does
ShareIn Limited is an Edinburgh-based, FCA-authorised fintech (FCA reference 603332) founded in 2013 that provides white-label investment platform infrastructure for alternative finance operators in the UK. It serves FCA-authorised firms, energy and renewables platforms, property and real estate investment platforms, and impact/ethical investment platforms, powering regulated direct investment channels end-to-end — from investor onboarding and ID verification through deal listing, fund-raising, ISA wrapping, client money custody and post-investment portfolio management.
The company's core technology is a Microsoft-stack platform (ASP.NET MVC, .NET 4.7, .NET Core, SQL Server on Azure, with Vue.js, React and ReactNative front-ends) comprising three integrated products: the ShareIn Investment Platform (onboarding, fundraising, deal management, share certificates), ShareInPay (API-first CASS-compliant client money and payments since 2019), and the HMRC-authorised ISA Manager (Cash, S&S and IFISA since 2016). Compliance, KYC, appropriateness testing, 24-hour cooling-off, CASS daily reconciliation and HMRC reporting are built into the engine. Public APIs (ISA API and ShareInPay) plus a Switch ISA Manager service handle platform and ISA migration, including multi-year historical data.
ShareIn earns revenue from monthly platform licence fees, activity-based variable fees, Appointed Representative income, IFISA Manager fees, ShareInPay pay-in transaction fees (0.25% scaling to 0.10% above £10M monthly volume) and bespoke development work. Customers include Octopus Energy Collective, Aprirose, Abundance Investment, Ethex, Energise Africa and Triodos Crowdfunding, with £700m+ processed across 200k+ investors.
ShareIn firmographics
Firmographics- Name
- ShareIn
- Legal name
- ShareIn Limited
- Website
- https://sharein.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ShareIn is an Edinburgh-based FCA-authorised fintech that provides white-label investment platform infrastructure (onboarding, ISA wrapping, CASS-compliant client money and payments) for UK alternative finance operators in energy, property and impact investment.
- Ownership category
- akta.pro rank
Where ShareIn is headquartered
LocationHeadquarters
- HQ city
- Edinburgh
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
ShareIn business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Platform Licence Fees: Recurring direct investment platform licence fees from clients using ShareIn's white-label infrastructure. Contracted fixed monthly fees with notice periods and/or termination fees commensurate with contract size.
- Activity-Based Variable Fees: Variable fees based on activity levels on client investment platforms, including transaction volumes and investor onboarding activity.
- Appointed Representative Income: Monthly income from Appointed Representatives operating under ShareIn's FCA authorization.
- IFISA Manager Fees: Fees for ISA management services including subscription tracking, threshold policing, transfer handling, and HMRC reporting.
- ShareInPay Transaction Fees: Pay-per-transaction fees with volume-based pricing tiers. Pay-in fees range from 0.25% (under £1M/month) down to 0.10% (above £10M/month). Domestic withdrawals at flat £0.45, non-domestic at £21. Fee cap of £300 per individual client per month.
- Bespoke Development: Additional bespoke development time for custom features and integrations beyond standard platform capabilities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Volume-based transaction fees for pay-ins (0.25% to 0.10% depending on monthly volume) |
| Subscription | Monthly | White-label investment platform infrastructure (quote-based) |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
ShareIn product offering
Product offeringCore offering
ShareIn provides a white-label investment platform infrastructure that powers FCA-regulated direct investment channels for alternative finance operators such as crowdfunding, renewable energy, property, and impact investment platforms. Its offering combines an end-to-end fundraising and portfolio management platform, the ShareInPay CASS-compliant client money and payment processing API, and an HMRC-authorised ISA Manager service covering Cash, Stocks & Shares, and Innovative Finance ISAs. Client platforms process investments on ShareIn's infrastructure while retaining their own branding, with onboarding, KYC, appropriateness testing, compliance, and investor portfolio tooling delivered as a managed stack.
Product overview
ShareIn is a white-label investment platform infrastructure provider for FCA-regulated alternative finance operators. The core offering consists of the Investment Platform (handling end-to-end fundraising, onboarding, and portfolio management), ShareInPay (CASS-compliant client money and payment processing), and the ISA Manager (HMRC-authorised for Cash, Stocks & Shares, and Innovative Finance ISAs). These are complemented by the Investor Portal (white-label portfolio dashboards and wallets), Switch ISA Manager (migration service), and ISA API (for platforms with their own ISA manager status). The platform processes over £700m in investments across 200k+ investors for clients including Octopus Energy Collective, Abundance Investment, Aprirose, Ethex, Energise Africa, and Triodos Crowdfunding. ShareIn is FCA-authorised since 2014 and has held client money permissions since 2019.
Differentiator
Problem solved
Functional benefit
Brands
- ShareInPay: API-based client money account and payment platform for managing payins, transfers, and payouts with CASS compliance.
- ShareIn ISA API
Products and services
- Investment Platform End-to-end white-label investment platform infrastructure for FCA-regulated direct investment platforms, handling investor onboarding with ID verification and appropriateness assessments, fundraising, deal management for equity deals, bonds, and funds, compliance reporting, portfolio dashboards, and share certificate issuance. Built for FCA-authorised alternative finance operators.
- ShareInPay API-first, CASS-compliant payment service for managing pay-ins, transfers between users, and payouts, including KYC services for individual users and organisations. Holds client money in segregated accounts with FSCS protection and is suited to crowdfunding investments, loan repayment distributions, dividend payments, and nominee account trade settlement.
- ISA Manager HMRC-authorised ISA Manager service covering Cash ISAs, Stocks & Shares ISAs, and Innovative Finance ISAs, providing subscription tracking, threshold policing, transfer management (in and out), and annual HMRC reporting for client investment platforms.
- Investor Portal White-label investor-facing portal providing portfolio dashboards, investment tracking, return history, document access, investor wallets, and account management capabilities delivered under each client's own brand.
- Switch ISA Manager ISA migration service enabling platforms to switch from their existing ISA manager to ShareIn, handling transfer continuity and full investor portfolio migration without disrupting investor positions.
- ISA API API service to record ISA-related transactional activity throughout the tax year, police ISA thresholds, manage ISA transfers in and out via an administrative console, and produce HMRC ISA activity reports for year-end submission, intended for investment platforms with their own ISA manager status.
Quantifiable outcome
- Platform launch time reduced from 12-24 months (in-house build) to 2-3 months (ShareIn)
- +2 more outcomes
Companies that use ShareIn
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
ShareIn technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
ShareIn partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Octopus Energy CollectivecoreWhite-label investment portal powered by ShareIn for community-funded renewables. ShareIn provides the complete investment platform infrastructure including onboarding, ISA management, and compliance. Octopus Energy Collective investors see the Octopus brand; ShareIn operates the underlying platform.
- AprirosecoreReal estate investment managers using ShareIn's platform for digital portfolio monitoring, document access, deal reservations, and staged funding. ShareIn designed, built, and operates the platform. Full existing portfolio migrated to platform.
- Abundance InvestmentcoreGreen energy and council lending platform. Migrated from in-house platform (operating since 2012) to ShareIn technology, maintaining all historic transactions. Includes ISA Manager services and secondary marketplace for trading investments.
- EthexcoreUK's leading positive investment platform using ShareIn's IFISA infrastructure. Enables investors to invest tax-free allowance into bonds by renewable energy cooperatives, community organisations, and social enterprises. Ethex investors have channelled over £120m into 200+ impact projects.
- Energise AfricacoreInvestment platform offering IFISA-wrapped investments in organisations bringing clean energy access to sub-Saharan Africa. Minimum investment £50. ShareIn provides ISA management, client money handling, and rebuilt the platform frontend in 2026 with improved accessibility and Open Banking integration.
- Triodos CrowdfundingcoreCrowdfunding arm of Triodos Bank (Europe's leading ethical bank). Used ShareIn platform and ISA management for IFISA-wrapped investments in organisations delivering environmental, cultural, and social impact across the UK.
- Shojin Property PartnersminorProperty investment platform using ShareIn's white-label infrastructure and IFISA management. Shojin entered administration March 2026; ShareIn continues unaffected as ISA manager. Note: This partnership has diminished due to client's insolvency proceedings.
Scale indicators9 records
Recent moves7 records
Expansion highlights5 records
ShareIn competitors and assessment
Company assessmentDirect peers
- Seccl: Seccl is a UK-based B2B platform technology provider offering custody, trading, and reporting infrastructure to investment managers and platforms. Like ShareIn, it powers white-label investment experiences for regulated firms and competes head-to-head in the UK adviser/platform infrastructure market.
- Third Financial: Third Financial provides platform technology for UK wealth managers and financial advisers, including client portals, trading, and back-office workflows. It is closely comparable to ShareIn as another UK-focused B2B platform serving FCA-authorised investment firms with similar white-label infrastructure.
- Transact (Integrafin): Transact, owned by Integrafin, is one of the UK's largest wrap platforms serving financial advisers and their clients with regulated investment infrastructure and portfolio servicing. It is comparable to ShareIn in providing FCA-compliant investment infrastructure, though it is more established and adviser-focused.
Broad incumbents
- FNZ: FNZ is a global, well-capitalised B2B wealth management platform serving large financial institutions with end-to-end investment, custody, and administration infrastructure. As a much larger incumbent with broader product scope, FNZ represents both a competitive threat and a possible exit benchmark for ShareIn's category.
- Avaloq: Avaloq (now part of NEC) provides digital banking and wealth management platform software to global financial institutions. It operates at a much larger scale and broader scope than ShareIn but competes for the same category of regulated investment platform spend among banks and asset managers.
Emerging players
- WealthOS: WealthOS provides a modern, API-first investment platform for wealth managers, fintechs, and asset managers. It overlaps directly with ShareIn's white-label, API-driven approach and represents a newer, well-funded entrant targeting a similar buyer profile in regulated investment infrastructure.
- Crowdcube: Crowdcube is one of the UK's leading equity crowdfunding platforms and a participant in the same alternative finance ecosystem that ShareIn serves. While it operates its own platform rather than selling infrastructure, it shapes the competitive landscape for ShareIn's clients and benchmarks investor expectations in the segment.
- Funding Circle: Funding Circle is a UK-based alternative finance platform operating in business lending and historically peer-to-peer lending. It sits in the same alt-finance category as ShareIn's clients and represents a benchmark for capital deployment volumes and platform operating scale in the segment.
Others
- GoCardless: GoCardless is a UK payment infrastructure provider for direct debits and recurring payments. It is relevant to ShareIn through ShareInPay and the broader payments layer of investment platforms, though it serves a different buyer and use case than ShareIn's core offering.
- TrueLayer: TrueLayer provides Open Banking APIs used by fintechs and platforms for account verification and instant payments. ShareIn's Energise Africa rebuild integrated Open Banking functionality, making TrueLayer an adjacent infrastructure provider within ShareIn's broader payments and onboarding stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ShareIn social profiles
Digital presenceShareIn compliance and trust
Trust signalCompliance4 records
ShareIn financial estimates
Financial estimateRevenue estimate
Valuation estimate
ShareIn leadership team
Management profileNumber of profiles
Profiles4 records
ShareIn funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ShareIn 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 ShareIn
What does ShareIn do?
ShareIn provides a white-label investment platform infrastructure that powers FCA-regulated direct investment channels for alternative finance operators such as crowdfunding, renewable energy, property, and impact investment platforms. Its offering combines an end-to-end fundraising and portfolio management platform, the ShareInPay CASS-compliant client money and payment processing API, and an HMRC-authorised ISA Manager service covering Cash, Stocks & Shares, and Innovative Finance ISAs. Client platforms process investments on ShareIn's infrastructure while retaining their own branding, with onboarding, KYC, appropriateness testing, compliance, and investor portfolio tooling delivered as a managed stack.
Is ShareIn a public or private company?
ShareIn is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ShareIn founded?
ShareIn was founded in 2013. It employs 11 to 50 people.
Where is ShareIn based?
ShareIn is headquartered in Edinburgh, United Kingdom, in the Europe region.
How does ShareIn make money?
Six revenue lines are on record. Platform Licence Fees are the primary driver. The others are activity-Based Variable Fees, appointed Representative Income, IFISA Manager Fees, shareInPay Transaction Fees and bespoke Development.
Who are ShareIn's main competitors?
Direct peers on record are Seccl, Third Financial and Transact (Integrafin). Broad incumbents are FNZ and Avaloq. Emerging players are WealthOS, Crowdcube and Funding Circle. Others are GoCardless and TrueLayer.
Does ShareIn have an API?
Yes. ShareIn offers two public APIs: (1) The ISA API - a service to record users' ISA-related transactional activity throughout the tax year, police ISA thresholds, manage ISA transfers in/out via an administrative console, and produce HMRC ISA activity reports for year-end submission. Available at https://isa-api.sharein.com/swagger/index.html. (2) The ShareInPay API - a CASS-compliant payment service for managing payins, transfers between users, and payouts, including KYC services for individual users and organisations. Supports use cases including crowdfunding investments, loan repayment distributions, dividend payments, nominee account trade settlement, and ISA cash payins. Available at https://api.shareinpay.com/swagger/index.html. Developer documentation is at www.sharein.com/api-documentation.