6 | FinTech Awards 2026 Best Pan-European Retail Investment Platform 2026 & AI in Finance Innovation Award 2026 “Investments for everyone.” Freedom24 is a stockbroker connecting European clients with major capital markets worldwide. Its award-winning platform offers investors a range of stocks, ETFs, corporate and government bonds, as well as US stock options across American, European, and Asian markets. The hybrid model it operates positions Freedom24 as a neo-traditional broker, as it combines the regulatory standards and market access of a traditional institution but underpins it all with a digital-first experience, without sacrificing on a physical presence. There are a couple of things that exemplify the unique position that Freedom24 holds in the pan-European investment space, the first being how it holds itself accountable. Freedom24 itself operates under CySEC and MiFID II, whereas partner company Freedom Holding Corp. is Nasdaq-listed and audited to US standards by Deloitte. Second is the fact that its acclaimed technology is developed and built in-house. Proprietary investment platform Tradernet, AI-driven compliance framework Neo Compliance, and an integrated AI assistant operating in more than 20 languages are all examples of this, and owning these end-to-end technologies is what allows this regulated European broker to evolve at the speed now expected by its investors, without losing the human touch and regulatory distinction that set it apart in this landscape. Applying all of this to the fintech space specifically, Evgenii told us: “The right way to think about financial technology in a regulated environment is as an operated layer that solves real problems within a controlled framework, not as a showcase.” Neo Compliance, its AI-driven compliance framework, is Freedom24’s best example of this, with the technology helping financial businesses overcome the issues inherent in traditional operating models, which rely on manual reviews and incremental hiring. When a business scales across jurisdictions, compliance volume grows exponentially, making these traditional means no longer fit for purpose. What Freedom24 has done is to re-architect this function as an AI-driven system of specialised agents, meaning that it now processes source-of-funds documentation from more than 80 countries in minutes, running transaction monitoring across an entire client base in what is almost real time. Of course, recognising the importance of retaining a human-in-the-loop element to its model, AI handles around 95% of the prep work, with a compliance officer retaining the final authority over any decisions made. This is a common theme across the whole platform, not just Neo Compliance, and even applies to its client-facing AI assistant. The purpose is for the boundary between machine and human to be drawn by consequence, not capability. Jul25149 A subsidiary of global financial conglomerate Freedom Holding Corp., Freedom24 is an online broker providing EU clients with everything they need for a successful investment journey. This includes direct access to the world’s largest stock exchanges, professional securities analytics, user-friendly trading applications, and responsive support in their language. For more on the proprietary platform behind Freedom24’s success, we caught up with Evgenii Tiapkin, its executive director. “AI handles the high-volume, low-risk cognitive load; humans decide wherever outcomes meaningfully affect risk, regulation, or client capital. The question is not what AI can do, but what it should decide.” All of this is part of something much bigger, especially when it comes to a problem that is largely unique in the world of financial services. Before features or experience, the first question anyone must ask is whether or not a platform is safe for them to put their money in. This is the foundation from which everything else is built. For Freedom24, regulatory supervision at its operating level and US public-company governance at group level signifies trust. None of these layers are visible to the client, but then that is exactly the point. Equally as important for Freedom24 is local depth, as whilst it can easily serve clients all over Europe through its AI-driven compliance platform, the trust it nurturers comes from figuring out how investors in different markets think and what they look for. Physical offices with local teams close the gaps in its client base, and the team here strive not to move into a market until they have the operational and compliance infrastructure set up. This purposeful control also extends to its technology, as being in full control of it means that Freedom24 is the one who determines the ceiling of what it can build and how fast it can build it, not a third-party provider. “Relying on third-party infrastructure means inheriting its constraints, from product roadmaps to data architecture and integration limits”, said Evgenii. “Because Tradernet, Neo Compliance, and the AI layer are all developed in-house, improvements ship on our timeline, not a vendor’s.” It is thanks in no small part to this that Freedom24 enjoys a culture shaped by a deliberate combination, as this regulated broker in Cyprus sits at an unusual intersection: it is both a fully regulated financial institution but also a genuine technology company. These two environments risk pulling it in different directions, as where regulation rewards caution and process, technology rewards speed and innovation. Freedom24’s culture is defined by its ability to uphold the requirements of both simultaneously, without being swayed. Freedom24 is no stranger to managing splits like this in its work, as Europe may have one of the world’s most advanced financial markets, but it is also one of the most fragmented. Banking, investing, insurance, payments, and lifestyle services have all developed as separate industries, and all boast different frameworks, technology stacks, and customer journeys. The result has been many specialist providers, but very few integrated platforms.
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