The German fintech company rolls out payment and trading platform while expanding AI features ahead of Q4 release.
It joins growing competition from Coinbase, Robinhood and others racing to build comprehensive platforms that could replace traditional banking relationships.
The NAGA
Group (XETR: N4G)
launched its next-generation financial platform today (Tuesday), joining a
growing field of companies racing to build comprehensive "super apps"
that combine banking, trading and payment services.
The
Hamburg-based firm said its NAGA ONE platform will unify payments, investing
and trading functions when it becomes available for download in the fourth
quarter. The app replaces NAGA's existing payment service and includes personal
bank accounts, debit cards and instant trading account funding.
NAGA Launches Financial “Super
App” as Fintech Race Intensifies
The initial
NAGA ONE rollout focuses on core payment features from the company's NAGA Pay
app, which is being discontinued. Users will access personal IBAN accounts,
virtual and physical debit cards, and SEPA transfers through the unified
platform.
The company
said it will add cryptocurrency services in later updates, including digital
wallets, spot trading and staking options. NAGA operates in over 100 countries
and offers trading services for stocks and digital assets.
Octavian Patrascu, CEO of The NAGA Group AG; Source: LinkedIn
"We're
not just launching another financial app," said CEO Octavian Patrascu.
"We are delivering on our vision of a truly unified platform where
payments, trading, and investing come together seamlessly."
The modular
approach allows NAGA to expand features gradually while supporting
international growth plans. Future versions will include multi-currency
accounts and rewards programs.
NAGA is
simultaneously expanding
artificial intelligence capabilities across its platform. AI-powered social
agents already provide market insights on the company's NAGA Feed, with plans
for interactive Q&A features and personalized commentary.
The firm
aims to introduce a "Trading Super Assistant" by 2026 that would
guide users through the entire trading process, from onboarding to execution.
AI also powers marketing campaigns across WhatsApp, email and social media
platforms.
The
technology integration extends to operational functions, with AI-driven
automation improving customer support and back-office efficiency, according to
the company.
The newest announcement,
however, did not spark much enthusiasm among shareholders, as NAGA’s shares on
Tuesday remained at EUR 0.65, down more than 90 percent from their pandemic-era
highs.
Super App Competition
Heats Up
The
financial super app concept has gained momentum as companies seek to expand
beyond their core services. PayPal
has offered integrated savings, shopping and cryptocurrency features since
2021, while Warsaw-based broker XTB positions itself as
an "all-in-one" fintech platform.
Regulatory
support has boosted the trend, particularly in cryptocurrency. SEC Chairman
Paul Atkins recently endorsed
"super-app" trading platforms that combine multiple services,
calling for rules that "increase choice for market participants."
The push
faces resistance from traditional banks concerned about losing customers to
comprehensive digital platforms. However, partnerships between crypto companies
and established financial institutions suggest parts of the banking sector are
adapting to the shift.
Last month,
NAGA
reported revenues of EUR 32.2 million for the six months ended June 30, an
increase of 2 percent from EUR 31.6 million a year earlier. Net revenues rose 3
percent to EUR 28.9 million, while EBITDA advanced 8 percent to EUR 3.0
million, despite higher marketing expenses.
The NAGA
Group (XETR: N4G)
launched its next-generation financial platform today (Tuesday), joining a
growing field of companies racing to build comprehensive "super apps"
that combine banking, trading and payment services.
The
Hamburg-based firm said its NAGA ONE platform will unify payments, investing
and trading functions when it becomes available for download in the fourth
quarter. The app replaces NAGA's existing payment service and includes personal
bank accounts, debit cards and instant trading account funding.
NAGA Launches Financial “Super
App” as Fintech Race Intensifies
The initial
NAGA ONE rollout focuses on core payment features from the company's NAGA Pay
app, which is being discontinued. Users will access personal IBAN accounts,
virtual and physical debit cards, and SEPA transfers through the unified
platform.
The company
said it will add cryptocurrency services in later updates, including digital
wallets, spot trading and staking options. NAGA operates in over 100 countries
and offers trading services for stocks and digital assets.
Octavian Patrascu, CEO of The NAGA Group AG; Source: LinkedIn
"We're
not just launching another financial app," said CEO Octavian Patrascu.
"We are delivering on our vision of a truly unified platform where
payments, trading, and investing come together seamlessly."
The modular
approach allows NAGA to expand features gradually while supporting
international growth plans. Future versions will include multi-currency
accounts and rewards programs.
NAGA is
simultaneously expanding
artificial intelligence capabilities across its platform. AI-powered social
agents already provide market insights on the company's NAGA Feed, with plans
for interactive Q&A features and personalized commentary.
The firm
aims to introduce a "Trading Super Assistant" by 2026 that would
guide users through the entire trading process, from onboarding to execution.
AI also powers marketing campaigns across WhatsApp, email and social media
platforms.
The
technology integration extends to operational functions, with AI-driven
automation improving customer support and back-office efficiency, according to
the company.
The newest announcement,
however, did not spark much enthusiasm among shareholders, as NAGA’s shares on
Tuesday remained at EUR 0.65, down more than 90 percent from their pandemic-era
highs.
Super App Competition
Heats Up
The
financial super app concept has gained momentum as companies seek to expand
beyond their core services. PayPal
has offered integrated savings, shopping and cryptocurrency features since
2021, while Warsaw-based broker XTB positions itself as
an "all-in-one" fintech platform.
Regulatory
support has boosted the trend, particularly in cryptocurrency. SEC Chairman
Paul Atkins recently endorsed
"super-app" trading platforms that combine multiple services,
calling for rules that "increase choice for market participants."
The push
faces resistance from traditional banks concerned about losing customers to
comprehensive digital platforms. However, partnerships between crypto companies
and established financial institutions suggest parts of the banking sector are
adapting to the shift.
Last month,
NAGA
reported revenues of EUR 32.2 million for the six months ended June 30, an
increase of 2 percent from EUR 31.6 million a year earlier. Net revenues rose 3
percent to EUR 28.9 million, while EBITDA advanced 8 percent to EUR 3.0
million, despite higher marketing expenses.
Damian's adventure with financial markets began at the Cracow University of Economics, where he obtained his MA in finance and accounting. Starting from the retail trader perspective, he collaborated with brokerage houses and financial portals in Poland as an independent editor and content manager. His adventure with Finance Magnates began in 2016, where he is working as a business intelligence analyst.
Polymarket Rolls Out U.S. App After CFTC Green Light, Starting With Sports Events
Marketing in 2026 Audiences, Costs, and Smarter AI
Marketing in 2026 Audiences, Costs, and Smarter AI
As brokers eye B2B business and compete with fintechs and crypto exchanges alike, marketers need to act wisely with often limited budgets. AI can offer scalable solutions, but only if used properly.
Join seasoned marketing executives and specialists as they discuss the main challenges they identify in financial services in 2026 and how they address them.
Attendees of this session will walk away with:
- A nuts-and-bolts account of acquisition costs across platforms and geos
- Analysis of today’s multi-layered audience segments and differences in behaviour
- First-hand account of how global brokers balance consistency and local flavour
- Notes from the field about intelligently using AI and automation in marketing
Speakers:
-Yam Yehoshua, Editor-In-Chief at Finance Magnates
-Federico Paderni, Managing Director for Growth Markets in Europe at X
-Jo Benton, Chief Marketing Officer, Consulting | Fractional CMO
-Itai Levitan, Head of Strategy at investingLive
-Roberto Napolitano, CMO at Innovate Finance
-Tony Cross, Director at Monk Communications
#fmls #fmls25 #fmevents #FintechMarketing #AI #DigitalStrategy #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As brokers eye B2B business and compete with fintechs and crypto exchanges alike, marketers need to act wisely with often limited budgets. AI can offer scalable solutions, but only if used properly.
Join seasoned marketing executives and specialists as they discuss the main challenges they identify in financial services in 2026 and how they address them.
Attendees of this session will walk away with:
- A nuts-and-bolts account of acquisition costs across platforms and geos
- Analysis of today’s multi-layered audience segments and differences in behaviour
- First-hand account of how global brokers balance consistency and local flavour
- Notes from the field about intelligently using AI and automation in marketing
Speakers:
-Yam Yehoshua, Editor-In-Chief at Finance Magnates
-Federico Paderni, Managing Director for Growth Markets in Europe at X
-Jo Benton, Chief Marketing Officer, Consulting | Fractional CMO
-Itai Levitan, Head of Strategy at investingLive
-Roberto Napolitano, CMO at Innovate Finance
-Tony Cross, Director at Monk Communications
#fmls #fmls25 #fmevents #FintechMarketing #AI #DigitalStrategy #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Much like their traders in the market, brokers must diversify to manage risk and stay resilient. But that can get costly, clunky, and lengthy.
This candid panel brings together builders across the trading infrastructure space to uncover the shifting dynamics behind tools, interfaces, and full-stack ambitions.
Attendees will hear:
-Why platform dependency has become one of the most overlooked risks in the trading business?
-Buy vs. build: What do hybrid models look like, and why are industry graveyards filled with failed ‘killer apps’?
-How AI is already changing execution, risk, and reporting—and what’s next?
-Which features, assets, and tools gain the most traction, and where brokers should look for tech-driven retention?
Speakers:
-Stephen Miles, Chief Revenue Officer at FYNXT
-John Morris, Co-Founder at FXBlue
-Matthew Smith, Group Chair & CEO at EC Markets
-Tom Higgins, Founder & CEO at Gold-i
-Gil Ben Hur, Founder at 5% Group
#fmls #fmls25 #fmevents #Brokers #Trading #Fintech #FintechInnovation #TradingTechnology #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Much like their traders in the market, brokers must diversify to manage risk and stay resilient. But that can get costly, clunky, and lengthy.
This candid panel brings together builders across the trading infrastructure space to uncover the shifting dynamics behind tools, interfaces, and full-stack ambitions.
Attendees will hear:
-Why platform dependency has become one of the most overlooked risks in the trading business?
-Buy vs. build: What do hybrid models look like, and why are industry graveyards filled with failed ‘killer apps’?
-How AI is already changing execution, risk, and reporting—and what’s next?
-Which features, assets, and tools gain the most traction, and where brokers should look for tech-driven retention?
Speakers:
-Stephen Miles, Chief Revenue Officer at FYNXT
-John Morris, Co-Founder at FXBlue
-Matthew Smith, Group Chair & CEO at EC Markets
-Tom Higgins, Founder & CEO at Gold-i
-Gil Ben Hur, Founder at 5% Group
#fmls #fmls25 #fmevents #Brokers #Trading #Fintech #FintechInnovation #TradingTechnology #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Educators, IBs, And Other Regional Growth Drivers
Educators, IBs, And Other Regional Growth Drivers
When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025.
Key Themes:
- Building trader communities through education and local expertise
- Aligning broker incentives with long-term regional strategies
- Regional regulation and the realities of compliant acquisition
- What’s next for performance-driven partnerships in online trading
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets
-Brunno Huertas, Regional Manager – Latin America at Tickmill
-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025.
Key Themes:
- Building trader communities through education and local expertise
- Aligning broker incentives with long-term regional strategies
- Regional regulation and the realities of compliant acquisition
- What’s next for performance-driven partnerships in online trading
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets
-Brunno Huertas, Regional Manager – Latin America at Tickmill
-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
The Leap to Everything App: Are Brokers There Yet?
The Leap to Everything App: Are Brokers There Yet?
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Mind The Gap: Can Retail Investors Save the UK Stock Market?
Mind The Gap: Can Retail Investors Save the UK Stock Market?
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
