Regulatory Approach
Most fintech products treat regulation as a constraint to work around. Ové treats it as a design requirement. Here's how we think about it.
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Pre-launch status: Ové is not currently authorised to provide investment services. The features described here are conceptual only. No authorised partner is currently engaged. Any future regulated service would depend on a signed arrangement with an authorised firm and any applicable approvals.
The framework
One possible future model would be to operate through a licensed brokerage partner under MiFID II — the EU directive that governs investment services and sets the standards for investor protection. Rather than seeking a standalone licence, the concept explores partnering with an already-authorised firm. No authorised partner is currently engaged.
Under such a model, regulatory obligations — including KYC, AML, suitability assessments, and cost disclosures — would be met at the partner level. This arrangement does not yet exist.
Design principles
Ové's entire UX premise is that complexity is the barrier to investing — not regulation. The goal is to simplify the experience without reducing the protections users would be entitled to through an authorised partner.
Suitability
Matched to the user
Any future investment service, if and when available through an authorised partner, would include appropriateness and suitability assessments as required under MiFID II.
Cost transparency
Fees disclosed upfront
Any fees — including any AUM fee — would be clearly disclosed before any investment is made, in line with MiFID II cost disclosure requirements. No fee structure is confirmed at this stage.
Risk disclosure
Honest about downside
Capital is at risk. Any future product would surface risk disclosures prominently — not buried in footnotes.
No behavioural nudging
No FOMO, no urgency
Ové does not use countdown timers, scarcity messaging, or return-based gamification. Regulators are increasingly focused on behavioural design — Ové is built to pass that scrutiny.
Investor protection
If and when a regulated service is available through an authorised partner under MiFID II, users would be entitled to the following protections:
Data protection
Ové collects only what it needs and handles data in accordance with GDPR. Users will be provided with a full privacy notice before any data collection begins. Read our Privacy Policy for full details.
Why this experience is limited
Ové does not simulate real investment decisions, execute transactions, or provide personalised outputs. This is a deliberate choice.
Investment services in the EU require regulatory authorisation, suitability or appropriateness assessments, and investor protections that are not yet in place. Offering a more realistic simulation before these safeguards exist would risk misleading users about the nature of investing and about what Ové currently is.
This approach is designed to ensure full compliance before launch — not to minimise effort, but to protect users.