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Hapi vs Lightyear: fees, markets and protection

Facts for both companies from their official pages; each was checked on the date shown in its review.

Facts verified on October 18, 2026

Key differences

Only Lightyear lists Euronext, London Stock Exchange, and Xetra (Deutsche Börse).
Only Hapi is licensed by FINRA.
Only Lightyear is licensed by EFSA and FCA.
Only Hapi supports PSE and Airtm for deposits and withdrawals.

Criterion	Hapi	Lightyear
Rating	4.3/5 on other platforms 24.5K ratings	4.6/5 on other platforms 5.5K ratings
Regulators	FINRA	EFSA, FCA
Minimum deposit	No minimum	—
Markets	US exchanges (NYSE, Nasdaq)	US exchanges (NYSE, Nasdaq), Euronext, London Stock Exchange, Xetra (Deutsche Börse)
Products	stocks, ETFs, fractional shares	stocks, ETFs, fractional shares, bonds, funds
US stock or ETF order	$0.10 per order	0.1% of the order, minimum $0.10, maximum $1
Investor protection	SIPC	Estonian Investor Protection Sectoral Fund, SIPC (US securities held with Alpaca)
Deposits and withdrawals	Visa / Mastercard, SPEI, Khipu, PSE +2	Bank transfer, Visa / Mastercard, Apple Pay, Google Pay
Available only in	Argentina, Brazil, Chile, Costa Rica, Colombia, El Salvador +11	Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark +20
Headquarters	United States	—
Currency conversion fee	—	0.35%
	Read review	Read review

Which regulators license Hapi and Lightyear?

Hapi is licensed by FINRA; Lightyear by EFSA and FCA.