Share In

Share In Ltd (FRN 603332) is a UK fintech providing white-label investment platform infrastructure to other regulated firms. It is directly authorised by the FCA (authorised 19 June 2014) and is a Non-SNI MIFIDPRU investment firm based in Edinburgh. ShareIn reports having processed over £700m in investments and onboarded 200,000+ investors via its client platforms, with named clients including Octopus Energy Collective, Abundance and Ethex.

So what: ShareIn is not a consumer-facing investment manager — it supplies the underlying technology, compliance and payments infrastructure to client brands. Retail investors interact with the branded client platform, not ShareIn directly, so due diligence must focus on the client platform and the specific investment on offer.

ShareIn offers a modular white-label platform: regulated client firms (or appointed representatives operating under a ShareIn regulatory hosting arrangement) use ShareIn's infrastructure to run investor onboarding, deal listing, payments, portfolio dashboards and regulatory reporting. ShareIn states it provides client-money services with segregation and automated reconciliation (CASS compliance) and operates as an HMRC-authorised ISA Manager for IFISAs where applicable.

So what: ShareIn handles operational and regulatory plumbing, which can reduce execution risk for client firms. Client money segregation protects funds from ShareIn's insolvency but not from losses on the underlying investments — that risk remains with investors and the issuer of each investment.

ShareIn's product pages describe support for listing and administering direct investments including equities, bonds and funds on client platforms, plus investor portals, share-certificate generation and coupon/capital-return administration for bond products. IFISA wrappers are supported where applicable. Some client platforms have offered P2P-style products, although the extent to which ShareIn supports P2P origination versus administration depends on the client [unverified].

So what: Product availability, contract terms, fees and credit risk are set by the client platform/issuer — not by ShareIn. Investors should review the offering documents and financial promotions of the specific platform hosted on ShareIn's infrastructure.

Primary customers are regulated firms, brands and sponsors wanting to launch a direct investment platform without building infrastructure in-house. End investors are the customers of those branded platforms — typically retail or professional investors signing up via brands powered by ShareIn.

So what: If you are an individual investor, you are a customer of the platform brand rather than of ShareIn. Check who the regulated firm is, what permissions it holds, and the specific investment terms, fees and risk disclosures before investing.