Splint Invest Referral Code 2026: €50 welcome credit on alternative assets

Splint Invest is a Swiss platform founded in 2021 in Zug (Canton of Zug — Switzerland's "Crypto Valley") that lets you invest in alternative assets such as art, luxury watches (Rolex, Patek Philippe, Audemars Piguet), vintage wine, rare whisky, collectible handbags (Hermès Birkin, Chanel) and sports trading cards.

The principle: each asset is split into "splints" (fractions) that investors can buy from €50 per splint. The platform buys the physical asset, has it certified and appraised, then stores it securely. In return, investors hold a proportional fraction of the asset.

With more than 20,000 investors, Splint Invest is one of Europe's most active players in fractional alternative collectible assets. The platform is known for the quality of its appraisals and its transparency on the assets available.

Splint Invest offers a range of alternative collectible assets across several categories:

Asset selection is handled by an in-house team of experts and specialist partners (auction houses, galleries, wine merchants). Every asset comes with an appraisal report before it is listed on the platform.

One of Splint Invest's strengths is the rigour of its storage and security infrastructure for physical assets:

• Bernese Cantonal Bank vault: the most valuable assets (luxury watches, sports cards, art pieces) are kept in the vaults of the Bernese cantonal bank, one of Switzerland's most secure institutions
• Bonded warehouses: wines, whiskies and spirits are stored in temperature-controlled bonded warehouses, preserving their quality and value
• Fire and theft insurance: all assets are insured against fire and theft up to their appraised value

These storage conditions are comparable to the standards of major auction houses (Christie's, Sotheby's) and institutional alternative funds — made accessible to retail investors from €50.

Investing via Splint Invest carries specific risks tied to the nature of alternative assets.

Realised exit performance (platform data, late May 2026): across assets already resold, Splint Invest reports an average net return of about +21% over an average holding period of 16 months, across 64 exits totalling CHF 3.73M in volume. The best exit reached +74.8% and the fastest closed in 2 months. These figures cover past transactions and are no guarantee of future results.

Capital loss risk: the value of a luxury watch, a rare bottle or an artwork can fall. Collectible markets are driven by trends, the condition of the pieces and the wider economy. Past performance is no guarantee of future results.

Liquidity risk: unlike listed shares, alternative assets are hard to sell quickly. Exits go through the secondary market or a full resale of the asset — timelines can be long. Do not commit funds you may need in the short term.

Long-term horizon recommended: Splint Invest positions its assets over 3-7 years. For shorter-term alternative investments, compare with EstateGuru or Anaxago, which offer property crowdfunding.

The main benefit for a new investor is the starting credit obtained via a referral code. With code 05311029, that credit is €50, added to your Splint Invest account and usable for your first splint purchase (not withdrawable as cash).

Depending on the campaign, the reward can also take the form of:

• Account bonus: an amount credited to invest with (the most common case)
• Reduced fees: a discount on the fees of your first investment
• Higher partner credit: some affiliate codes showed up to €60 in 2026 (e.g. "BW60", "SFB60")

Splint Invest runs an active referral programme: the referrer also earns a bonus when their referee makes a first qualifying investment. To compare other fractional alternative-asset platforms, see also Konvi.

Splint Invest offers a secondary market that lets investors buy or sell their splints to other platform users, without waiting for the entire physical asset to be resold.

This secondary market improves the relative liquidity of investments, but remains subject to several conditions: demand must exist on the platform for the asset concerned, prices are set freely between buyer and seller, and some minimum holding-period restrictions may apply.

In practice, secondary-market liquidity on Splint Invest remains lower than that of a traditional financial market. It is easier to resell splints of a popular asset (a well-rated Rolex, a prestigious wine in an upswing) than of a niche, low-interest asset. Plan for an exit horizon of at least 3 to 5 years.

For property-backed loans across Europe, Mintos and EstateGuru are alternatives worth comparing.

Splint Invest is recognised for the quality of its asset curation and the transparency of its storage. On Trustpilot, the platform is rated 4.5/5 ("Excellent", around 165 reviews as of June 2026): users highlight the clarity of investment cases, regular asset updates and the ease of the app. Splint Invest publicly ran an authentic-reviews campaign in 2025 after a wave of fake reviews.

Strengths: low entry ticket (€50), tangible and certified assets, reference-grade secure storage (Bernese Cantonal Bank vault), included fire/theft insurance, diversification uncorrelated with stock markets.

Points to watch: Splint Invest (MARK Investment Holding AG) is affiliated with the VQF, a self-regulatory body recognised by FINMA for anti-money-laundering — it is not supervised by FINMA like a bank, and not regulated by your local markets authority. Investors do not benefit from the protections of a regulated collective investment. Liquidity remains low versus financial markets.

Splint Invest is available to residents of many European countries. The requirements:

• Minimum age: 18
• Identity verification (KYC): valid ID + selfie, required above a certain cumulative invested amount and for any withdrawal
• No investor accreditation required: unlike some institutional alternative funds, the platform is open to all retail investors

MARK Investment Holding AG operates under Swiss law and is affiliated with the VQF (FINMA-recognised anti-money-laundering self-regulation); it is not FINMA-supervised and not regulated by your local markets authority. By investing, you accept Swiss law as the applicable law.

For tax, gains realised when reselling splints may be taxable in your country of residence under the rules applicable to capital gains or alternative assets — consult a tax adviser for your personal situation.

Splint Invest was founded in 2021 in Zug, Switzerland, within a particularly dynamic fintech ecosystem. The startup quickly expanded its asset range to cover several high-end collectible universes — art, watches, wine, whisky, luxury leather goods, sports cards.

By reaching 20,000 investors in just a few years, Splint Invest has positioned itself among Europe's leaders in fractional alternative-asset investing. This market is growing fast: collectible assets (art, watches, wine) have historically shown long-term appreciation, attracting more and more investors seeking diversification beyond traditional financial markets.

For investors looking to explore other forms of fractional alternative investing, Anaxago (private equity) and EstateGuru (European real estate) offer complementary options with different regulatory frameworks.