14000
investors
FINEXITY is a Hamburg platform, founded in 2018, that sells small digital shares in single assets: property, collectables such as fine art, wine, classic cars, watches and musical instruments, company stakes, and solar and wind projects. It lists more than 250 assets from more than 50 issuers. Its group counts about 14,000 investors of its own; the 84,000 it shows on its pages adds the customers of a licence company it is buying. The parent, Finexity AG, is listed on the stock market.
For each asset a separate company buys or holds it and issues digital bonds, recorded as tokens, which investors buy from €500 (€5,000 for Club Deals with better terms; some solar bonds from €50). You do not own the asset itself. Most assets pay no income: you are paid when FINEXITY sells the asset, at a time it chooses. Planned holding periods in its own track record range from two years to 15 years. Solar and wind bonds pay fixed interest instead.
FINEXITY publishes a track record of seven sold assets, five collectables and two properties. Their total returns ranged from 5.19% to 30.35%, an average of 13.91% (calculated from the platform's own figures); this is a total over holding periods of two months to two years, not a yearly rate. Per year, they range from 6.22% to 40.47%, an average of 16.76%. The table is undated, shows no fees and has not changed since August 2026. It covers 7 of more than 250 assets, all of them gains; nothing is published about the assets not yet sold.
FINEXITY publishes no figure for losses, write-downs, missed payments or defaults, and no definition of them, after eight years of operation. One investor reported in June 2024 that a repayment agreed after three years was not made and the term was extended by one to two years without consent. Investors give the platform a public review score of 4.5 out of 5 (86 reviews, October 2026).
Nothing secures your money. You hold unsecured bonds that rank behind the bank lending to the same asset company. You have no title to the asset, no land-register entry for property and no shareholding. There is no buyback, reserve fund or insurance. Assets are valued by FINEXITY's own valuation panel; no independent valuer is named and how often values are checked is not published, nor is how collectables are stored and insured. In plain words: you share in the gain if the asset sells well, but if the asset company fails, the bank is paid first and you may lose everything.
The website is run by Finexity Services GmbH, Hamburg. Investments are arranged by Finexity Invest GmbH as a tied agent, acting only for the account and under the liability of Effecta GmbH, an investment firm supervised by Germany's financial regulator, BaFin (tied-agent register number 80178615). FINEXITY itself holds no licence of its own. Finexity AG agreed in August 2025 to buy 90.1% of Effecta; the purchase still awaits the regulator's approval (October 2026). The parent publishes audited group accounts (2025). No regulator action against the platform was found.
Registration is free, and buying and selling on the FINEXITY marketplace costs nothing for buyer or seller. The fees built into each asset are shown only in its documents after login.
You can offer your shares for sale at any time on FINEXITY's own marketplace, in lots of at least 500 digital shares. It is a matching board between users, not a stock exchange, and FINEXITY does not buy shares itself; no trading volumes are published, so a sale is not assured. Otherwise your money comes back only when the asset is sold.
Return: Very High — the seven sold assets returned 13.91% in total on average (16.76% a year), but this covers only 7 of more than 250 assets. Risk: High (higher means more risk) — the platform publishes no figure for losses or defaults, so investors cannot see how often money is lost; we start from the middle level and move it one step worse, because platforms with good results usually publish them, and the track record shows only gains while a term extension without consent was reported. Risk-return: Medium — a very high published return for a high level of risk, resting on a small, selected set of sales.
License / Regulation: Finexity Invest GmbH arranges investments as a tied agent under § 3 (2) WpIG, acting exclusively for the account and under the liability of Effecta GmbH (Florstadt), an investment firm supervised by BaFin (tied-agent register number 80178615). Finexity AG agreed in August 2025 to acquire 90.1% of Effecta, subject to BaFin approval. The digital bonds are securities; no compensation scheme covers losses on them.
Indirectly. Finexity Invest GmbH works as a tied agent of Effecta GmbH, an investment firm supervised by Germany's financial regulator, BaFin, which takes liability for it. FINEXITY agreed to buy Effecta in 2025; the purchase still awaits approval.
You pay by bank transfer into an e-wallet on the platform, but FINEXITY does not name the payment institution or bank that holds the money. Your digital shares are held in your FINEXITY wallet.
€500 for most assets, €5,000 for Club Deals and €50 for some solar bonds. On the marketplace the minimum lot is 500 digital shares.
Seven sold assets returned 13.91% in total on average, or 16.76% a year. No figures are published for losses, defaults or the more than 250 assets not yet sold.
Nothing. You hold unsecured bonds that rank behind the bank lending to the same asset company, with no title to the asset, no buyback and no insurance. Values are set by FINEXITY's own panel.
You can offer your shares at any time on FINEXITY's marketplace, free of charge, but it depends on another investor buying and no trading volumes are published. Otherwise you wait until the asset is sold.
Registration and marketplace trading are free. Fees built into each asset are shown only in its documents after login.
If an asset company fails, its bank is paid first and you may lose everything. If FINEXITY failed, your bonds would remain claims on each asset company, but selling the assets and paying out could be slow. No compensation scheme applies.
That figure is pro forma and unaudited: about 14,000 are FINEXITY's own investors and about 70,000 are customers of Effecta, the licence company it is buying.
