# ShareIn > ShareIn is an FCA-regulated fintech company providing white-label investment platform software for crowdfunding, direct lending, and alternative finance. Founded in 2011 and based in Edinburgh, UK. --- ## About ShareIn Our mission is rooted in the belief that empowered and informed individuals are the driving force behind meaningful change. ### Who We Are Based in the heart of Edinburgh, we pride ourselves on our unique offering that combines cutting-edge technology with a deep understanding of regulatory compliance to provide sustainable solutions for online investment. At ShareIn, our diverse team consists of seasoned finance professionals, innovative software engineers, detail-oriented project managers, and compliance experts. Together, we form a powerhouse dedicated to helping your business succeed. While we may be a smaller organisation this allows us to provide personalised service and agile responses tailored to your specific needs. Our size lets us forge strong partnerships with our clients, focusing on long-term success rather than transaction volume. ### Key Strengths - **UK FCA Regulation**: We adhere to UK FCA regulation and implement best practices across various investment platforms to maintain rigorous compliance standards. Our platforms are designed to handle all aspects of the investment process, ensuring adherence to regulatory requirements every step of the way. - **Proprietary Software**: Our software is not only secure but also highly adaptable. With a dedicated development team based in Edinburgh, we can configure our solutions to address your unique challenges. - **Network & Capital**: Our advanced investment platform empowers you to connect with your network and raise capital efficiently. Each stage of the investment process is meticulously managed through our user-friendly interface. --- ## Services ### Equity Deals List equity investments on your platform and investors can buy shares. ShareIn facilitate the entire transaction including generating share certificates. ### Bonds Offer bonds to your investors. The platform can easily enable you to pay coupons or capital returns. ### ISA Management Whether you are an ISA Manager yourself or you'd like help with that, we have the functionality to enable you to put eligible investments in an ISA wrapper on your platform and facilitate ISA Transfers. ### Client Money Hold client money so your clients can make payins, hold their money in a segregated client money account, transfer money and make pay outs. ### Why Work With ShareIn? - ShareIn are one of the founding members of the UK Crowdfunding Association. - ShareIn have a wealth of industry experience in this nascent market. We were founded in 2011. - ShareIn have a unique offering -- both a technology AND compliance solution. So if you're regulated directly we're a safe pair of hands. --- ## Direct Investment Platform (ShareInInvest) ShareIn can provide direct investment websites and apps to fit your needs. ### ShareIn Are a Great Fit For You If... - You have a great idea for a direct investment platform - You have a source of companies or projects that require funding - You have a network or a niche to build an investor base - You don't want to reinvent the wheel - You want to launch fast ### What We Offer - **Flexibility**: An off the shelf platform to get launched fast through to a fully tailored solution that fits your unique requirements. - **Scalable, Robust & Secure**: Cloud solution with monthly admin maintenance and support including issue logging and resolution. - **Tax Wrapper**: An optional ISA manager service for tax efficient investment. - **CMS**: A full content management system to enable you to control your own site. - **Payments**: Works with our client money payment system, ShareInPay, so you can hold investor money in compliance with HMRC regulation. - **No IT Skills Required**: There is no need for your own in-house development team. We handle website, database, document hosting, maintenance and email service. --- ## Client Money (ShareInPay) API based Client Money Account integrated with your system to enable your clients to make payins, hold their money in a segregated client money account, transfer money and make pay outs. ### Features - **Dashboard**: Create users, wallets and transactions from an easy to use online portal. - **API**: ShareInPay is an API based solution. You can integrate to fit your own payments workflow. ### Regulation ShareInPay is designed to ensure you can operate in accordance with the UK regulatory environment. ShareIn is an FCA regulated company with permission to hold client money. All paid-in money is held in client money accounts for which we must meet CASS client money reporting obligations. - **Hold Investor Money**: If you are operating an investment platform with ISA eligible products you can use ShareInPay to hold investor money. - **Outsource CASS**: If you operate client money accounts already you can use ShareInPay and outsource daily reconciliations, monthly reporting and maintenance of your CASS Resolution Pack to us. - **Protected by the FSCS**: Customer money held in ShareInPay is protected by the FSCS, giving your clients an additional level of protection and peace of mind. ### Pricing (Pay Per Transaction) | Pay-In Volume Per Month | Rate | |------------------------|------| | Up to 1,000,000 | 0.25% | | 1,000,001 -- 5,000,000 | 0.20% | | 5,000,001 -- 10M | 0.15% | | > 10M | 0.10% | | Withdrawal | Rate | |-----------|------| | Domestic | GBP 0.45 | | Non-Domestic | GBP 21.00 | A fee cap of 300 GBP applies on all pay-in transactions for each individual client. --- ## ISA Manager ShareIn is authorised by HM Revenue & Customs to be an ISA Manager for Cash ISAs, Stocks & Shares ISAs and Innovative Finance ISAs enabling our clients to offer tax-free investments to their investors. ### ISA Types - **Cash ISA**: For banks or firms offering savings products. Bundle various savings products into a bespoke flexible Cash ISA. - **Stocks and Shares ISA**: For firms offering listed investments to UK retail investors. - **Innovative Finance ISA (IF ISA)**: For P2P platforms or firms offering unlisted bonds. ### Integration Options - **ISA API Only**: Integrate into your technology stack with our guidance. The API records users' ISA-related transactional activity throughout the tax year and polices ISA thresholds. Complemented with an administrative console for managing ISA transfers and HMRC ISA activity reports. - **ISA Portal**: If you don't have the development bandwidth to integrate our API, we can build a fully branded ISA portal. ### Additional Capabilities - Cash in your infrastructure or ours - KYC optimisation fulfilling everyone's obligations without sacrificing customer experience - ISA Admin: We can be the ISA Manager ourselves, handling Transfers In and Out, record keeping and HMRC reporting --- ## Key Pages - [Home](https://www.sharein.com/) - [Services](https://www.sharein.com/services) - [Direct Investment Platform](https://www.sharein.com/direct-investment-platform) - [Client Money](https://www.sharein.com/client-money) - [ISA Manager](https://www.sharein.com/innovative-finance-isa-manager) - [White Label Crowdfunding Software](https://www.sharein.com/white-label-crowdfunding-software) - [API Documentation](https://www.sharein.com/api-documentation) - [Clients](https://www.sharein.com/clients) - [About](https://www.sharein.com/about) - [Blog](https://www.sharein.com/blog) - [Contact](https://www.sharein.com/contact-us) - [Jobs](https://www.sharein.com/jobs) - [Security](https://www.sharein.com/security) ## Legal - [Privacy Policy](https://www.sharein.com/privacy) - [Terms of Use](https://www.sharein.com/terms) - [Cookie Policy](https://www.sharein.com/cookies) - [Complaints](https://www.sharein.com/complaints) ## Resources - [Sitemap](https://www.sharein.com/sitemap.xml) - [Blog RSS Feed](https://www.sharein.com/blog/feed.xml)