Open Capital

Open Capital is a fintech platform that provides AI-powered investment coaching and professionally managed ETF portfolios, solving the problem of inaccessible professional portfolio management for individual investors. It targets retail investors, particularly beginners and those with limited knowledge, who want to invest but lack confidence or understanding. The service is delivered as a subscription-based SaaS, starting at €50 per month, with a focus on explaining every investment decision in plain language and building financial literacy.

Key features

• AI coach explains every investment decision
• Professionally managed ETF portfolios
• Personalized guidance based on risk profile
• Ask questions anytime, get plain-language answers
• Adapts explanations to user's level
• Tracks progress over time
• European-regulated, bank-level security
• 0.7% all-in fee