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    UpToMore

    The Dutch fintech that makes investing as simple as saving — passive investing in global ETFs, fees among the lowest in Europe (€0.99/month + 0.31%/year), regulated by the AFM.

    About the project

    UpToMore is a fintech based in the Netherlands (The Hague) that makes investing accessible to everyone, regardless of their level of financial knowledge. The promise: invest as simply as you save — one deposit, one withdrawal, nothing more.

    Users automatically invest in thousands of global companies through diversified ETFs — a scientifically proven passive investment approach that reduces individual risk and captures global economic growth (8.7% average benchmark growth since 1987). The platform is supervised by the Dutch financial markets authority (AFM).

    Sector

    Fintech / Passive investing

    Type

    • Mobile application
    • Web application
    • Administrator platform

    The project in numbers

    GDPR

    the first GDPR-compliant platform to automate KYC and AML

    Automation

    of KYC, AML checks, and ETF settlement

    1M

    users supported at peak load capacity

    Our favorite features

    UpToMore — deposit
    UpToMore — withdraw

    Direct investing with no intermediary and no fees

    Through an advanced KYC system and an interconnection with the banking and financial system, UpToMore users can place orders directly to acquire units that represent a slice of the global economy — with zero fees. This lets small investors regularly invest amounts from €50 without being crushed by execution fees.

    UpToMore — dashboard 1
    UpToMore — dashboard 2

    The administrator dashboard

    Connected live to the mobile and web app, this dashboard makes it easy to track platform usage. It also lets you manage the entire back office (settlement, order book, execution, disputes, etc.).

    UpToMore — investissement passif

    Passive investing

    By establishing a direct connection between UpToMore, the user's bank account and the iDeal payment system (Netherlands), we let users invest passively and regularly.

    Conception

    Dynamic collaboration and design-thinking workshops to define the essential features.

    Definition of specifications and technical requirements for the first version of the product. Concept validation through individual interviews using mockups built in Figma.

    UpToMore
    UpToMore

    Design

    Graphic design of the visual identity and creation of the complete mockups of the application, still on Figma to allow continuous back-and-forth, leaning on the initial mockups.

    Development

    Development in bi-weekly cycles to ensure project tracking and progress. Test phases in a pre-production environment, followed by deployment to production after cycle validation. Demos and acceptance testing with the client to ensure an optimal result.

    UpToMore

    Technologies used

    The UpToMore backend is built in Java + MySQL. The mobile app runs on AWS Cloud.

    Cloud
    AWS

    AWS

    Frontend
    React.js

    React.js

    Objective-C

    Objective-C

    Java

    Java

    Backend
    Java

    Java

    Database
    MySQL

    MySQL

    Queue & performance
    Redis

    Redis

    More case studies

    Thanks to Zetos for helping us take our product to the next level at a critical stage of our growth. The team was highly responsive and listened carefully to our needs. We're really happy with the result, and we keep trusting them with ongoing maintenance and product optimisation.

    Alexandre Darbois

    Co-founder @Humoon

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