The Pinnora whitepaper

Read the whitepaper

The Pinnora whitepaper, Investing, made clear, explains what Pinnora is, how it works, why it is built the way it is and what a customer can expect from it. It is written for people who are not engineers: prospective customers, people who want to understand the business, and journalists. Version 1.0 is dated October 2026 and runs to 102 pages in 17 chapters.

The Pinnora whitepaper PDF opens in your browser, where you can read it, save it or print it. Wherever it can, the paper says what you see on the screen and what happens behind it, so that each statement can be checked against the app itself.

What the whitepaper covers

A short summary of each main part, in the order the paper takes them:

• Executive summary. Pinnora is one app for investing, saving, borrowing and moving money. It opens in a web browser on a phone or a computer, keeps every product in one account that adds up to one balance, and shows what each thing costs before you pay it.
• The opportunity. What public research says about the gap between having an account and owning investments, the frictions that keep people out, and the design requirements Pinnora took from them. Every outside figure is cited.
• Who we are and what we believe. The company’s details as its legal notice publishes them, the people who lead it, and the beliefs behind the product, each next to what the app does to keep it.
• The platform at a glance. One account with a funding wallet and a trading account, an app that installs from the browser, twelve languages, light and dark appearances, and a first day measured in minutes.
• Markets. US stocks, major crypto assets, exchange-traded and mutual funds and IPOs, bought by the dollar; where prices come from, how an order is filled, and how the Trade page’s market and limit orders work.
• Investment and savings plans. Plans whose rules are set out in full before you join: investment plans that aim for a target return over a fixed term, and four kinds of savings plan. A return is a target, not a promise.
• Loans and Empowerment. Borrowing US dollars against a holding without selling it, and capital for businesses, applied for in the app and decided by people.
• Moving money. Bank transfers and crypto deposits, credited only once the money has arrived and been checked; transfers to other members by @username; and why money moves only once.
• Security architecture. Passkeys, two-factor sign-in, a fresh check before money leaves, sessions, sealed secrets and a keyed audit trail, with the limits of each control stated plainly.
• Identity, compliance and privacy. The identity check step by step, how the rules in the terms are applied, and what keeping less personal data means in practice.
• Technology and reliability. A deliberately small stack, how prices reach the app, how a request that moves money happens exactly once, and how the system recovers when something stops.
• Customer care and community. Support conversations answered by a person, notifications, the reviews page that publishes what customers say whatever their rating, and referrals.
• Fees and transparency. What is free, what is charged, and the rule that every fee is shown before you confirm and never exceeded.
• Roadmap, glossary and questions. Only what the app already shows as coming, with no dates; the words the paper uses; and short answers to common questions.
• References and legal notice. Every source the paper cites, and the terms on which it is published.

Corporate and legal information

Here is the Pinnora company information, as the legal notice gives it. Pinnora is provided by Pinnora Technologies GmbH, Güldenhofer Ufer 4, Treptow-Köpenick, 12437 Berlin, Germany. The company is entered in the commercial register at the Amtsgericht Berlin-Charlottenburg under HRB 213711, and its VAT identification number is DE456970576. It was incorporated in 2018 and traded as Pinnora Technologies Limited until its registration as a GmbH, which is the name the whitepaper uses; the Pinnora app and service launched in 2026.

That document brings the company’s corporate and legal information together in one file to keep or print. The legal notice gives the same details on this site, and the terms of service and the privacy policy are the rules that bind you and us.

Is Pinnora legitimate? How to check for yourself

You should not have to take our word for it, so here is what you can check without us:

• The register entry above can be looked up in the German commercial register, and the VAT number in the European Commission’s VIES service.
• The address in the footer of every page, in the legal notice and in the whitepaper is the same.
• The app shows every rate, fee and rule before you confirm anything, and the whitepaper explains how each one is worked out.
• Pinnora has no token or coin of its own and has never held a token sale. Anything offered as a “Pinnora coin” does not come from us.

The only addresses Pinnora uses are mypinnora.com and the app at mypinnora.com/app/. Nothing on this page or in the whitepaper is investment advice, and the value of investments can go down as well as up.

Someone claiming to work for Pinnora

To keep them from being targeted, our people do not name Pinnora as their employer on social networks or professional sites. Any profile, message or call from someone claiming to work for Pinnora is therefore not authorised to act or speak for Pinnora, and should be treated as false unless we confirm it in writing from an official Pinnora address. Before you act on anything such a person says, ask us: write to helpdesk@mypinnora.com or open a support ticket in the app, and we will tell you whether they work for us.

Nobody from Pinnora will ask for your password, a sign-in code, a backup code or your passkey, or ask you to send money to them. If someone does, or you see a profile or a site pretending to be Pinnora, report it to the same address, with a link or a screenshot if you have one. How we protect your account is on the security page.

More about Pinnora

For a shorter introduction, read about Pinnora and what we do. To see the app itself, watch the two short films on the home page, or the video guides in the help centre, which walk through each part of the app step by step. Questions about the whitepaper can go to the help desk above.