What Ramify does

Ramify SAS is a Paris-based digital wealth management platform founded in 2020–2021, regulated in France as a CIF, insurance broker, banking operations agent, and PSAN, serving demanding individual investors with an alternative to traditional private banking. The platform offers three membership tiers — Ramify Premier from €1,000, Ramify Black from €100,000, and Ramify Obsidian from €1,000,000 — spanning tax-advantaged envelopes (assurance-vie, PER, PEA), regulated savings (Livret, Compte à terme), and alternative assets (SCPI real estate, private equity, structured products, club deals, art). The company reports over 100,000 users and a 4.9/5 average rating across Google and Trustpilot.

The underlying technology combines traditional quantitative finance models (Markowitz Modern Portfolio Theory, Black-Scholes, binomial models, CAPM, Monte Carlo simulations) with machine learning for portfolio optimization, ARMA-based time-series forecasting, VaR and stress testing, and NLP-driven news analysis. An in-house quantitative research team led by Director of Research Aymane Oubella — supported by CIO Olivier Herbout (former Goldman Sachs Vice-President) and professionals sourced from Oliver Wyman and Nomura — can rebalance any portfolio within 24 hours. Ramify has developed two proprietary financial indices (RSCPI for SCPI, RPEI for private equity) and operates on AWS/Heroku cloud infrastructure. The Flagship managed portfolio delivered +81.64% cumulative / +12.68% annualized returns from 2021–2025 at the 10/10 risk profile, outperforming MSCI World net of management fees.

The revenue model is anchored on AUM-linked management fees (0.5% envelope fees plus 0.9%–0.5% management mandate fees depending on AUM, with tiered subscription pricing of 1.4% Premier / 1.2% Black / 1.0% Obsidian), supplemented by distribution commissions on SCPI, private equity funds, structured products, and club deals. Distribution occurs entirely through digital channels (web, mobile app, self-service onboarding in 3 minutes) augmented by dedicated private advisors for Black and Obsidian tiers, with embedded institutional distribution via investor-partners AG2R La Mondiale and Crédit Agricole Brie Picardie. The company has raised €14.5M total across a €3.5M seed (November 2022) and €11M Series A (June 2024 led by 13books and Fidelity International Strategic Ventures), and operates exclusively in France with stated ambitions for international expansion.

Name

Ramify

Legal name

Ramify SAS

Website

https://ramify.fr

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Hybrid Robo-Advisory Platforms (Advisor + Automation) (FSAGAEAB)

akta.pro secondary industries

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios) (FSAGAEAA)

Keywords

• Wealth management platform
• Portfolio management services
• Private equity access
• Tax optimization solutions
• Digital investment advisory

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Management Fees: Ramify charges management fees on assets under management: 0.5% for envelope fees (insurance/assurer) plus 0.9% to 0.5% for management mandate depending on assets under management. Discounted rates for higher tiers: 1.4% (Premier), 1.2% (Black), 1% (Obsidian).
2. Distribution Commissions: Commissions from distributing investment products including SCPI, private equity funds, structured products, and club deals. No entry fees charged on distributed products outside fiscal envelopes.
3. Premium Advisory Services: High-touch advisory services under Ramify Black and Obsidian tiers including dedicated private advisors, Luxembourg insurance solutions, Lombard credit arrangements, and access to exclusive fund initial shares.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Ramify is a digital wealth management platform that provides retail-accessible, algorithm-driven portfolio management across multiple asset classes (ETF, euro funds, SCPI real estate, private equity, structured products, club deals, and art). It operates three subscription tiers — Premier from €1,000, Black from €100,000, and Obsidian from €1,000,000 — and delivers automated tax optimization, dedicated private advisors at higher tiers, and proprietary quantitative investment strategies to French individual investors.

Product overview

Ramify operates as a digital private banking alternative offering a modular wealth management platform with three membership tiers (Premier from €1,000, Black from €100,000, Obsidian from €1,000,000) and managed investment products including Assurance-vie, PER, PEA, Private Equity, SCPI, Savings Accounts, Term Deposits, Structured Products, Club Deals, Art investments, Luxembourg Life Insurance, Lombard Credit, and Corporate Accounts. The platform leverages quantitative finance and digital technology to democratize institutional-grade investment management, combining algorithm-driven portfolio optimization with personalized advisor support across a unified digital interface.

Differentiator

Problem solved

Functional benefit

Brands

• Ramify Premier: Entry-level offering starting from €1,000 with personalized investment strategy, wide range of investment products, integrated tax optimization, and 1.4% management fees.
• Ramify Black
• Ramify Obsidian

Products and services

• Assurance-vie (Life Insurance) Managed life insurance contracts (vie et décès) offering diversified investment across ETF, euro funds, SCPI, and private equity with tax-efficient accumulation and succession benefits, designed for French individual investors seeking tax-advantaged long-term savings.
• Plan Épargne Retraite (PER) Individual retirement savings plan with tax deduction benefits on contributions, offering managed investment portfolios with flexible withdrawal options at retirement, for French individual investors building long-term retirement savings.
• Plan Épargne en Actions (PEA) Tax-advantaged equity savings plan for European stocks and ETFs with €150,000 contribution ceiling and tax exemption on gains after 5-year holding period, for French individual investors seeking tax-efficient equity exposure.
• Private Equity Access to non-listed equity investments through curated fund selection (FPCI, FCPR, FIP) from prestigious asset managers such as Edmond de Rothschild, Tikehau Capital, Eurazeo, and Blackstone, enabling portfolio diversification beyond traditional liquid assets for individual investors.
• SCPI (Sociétés Civiles de Placement Immobilier) Real estate investment through SCPI shares offering rental income and capital appreciation, with access to diversified property sectors including healthcare, commerce, office, and residential, distributed from providers such as Novaxia, Iroko, and Remake.
• Livret d'Épargne (Savings Account) Regulated French savings products including Livret A and boosted savings accounts with competitive interest rates and instant liquidity, distributed through Ramify's banking partner CFCAL (Crédit Mutuel Arkéa).
• Compte à Terme (Term Deposit) Fixed-term deposit accounts with guaranteed returns and predetermined maturity dates, for individual investors seeking low-risk capital preservation with defined maturity.
• Produits Structurés (Structured Products) Complex financial instruments offering capital protection with exposure to various underlyings, designed to meet specific investment objectives and risk profiles for individual investors.
• Club Deal Co-investment opportunities in art, real estate, and venture capital allowing access to exclusive deals typically reserved for institutional investors, including real estate club deals via Anaxago and the AxClimat fund.
• Art Investment Fractional ownership and club deals in artworks, providing access to art as an alternative asset class with diversification benefits for individual investors.
• Assurance-vie Luxembourgeoise (Luxembourg Life Insurance) Cross-border wealth management solution offering Luxembourg-domiciled insurance contracts with enhanced asset protection, succession advantages, and access to global investment universe, available to Ramify Black and Obsidian tier clients.
• Crédit Lombard (Lombard Credit) Lombard lending facility enabling clients to borrow against their portfolio holdings for liquidity needs without selling appreciated assets, available to Ramify Black and Obsidian tier clients.
• Personnes Morales (Corporate Accounts) Wealth management solutions for legal entities including French and Luxembourg capitalisation contracts and securities accounts for business treasury management, for corporate clients and business owners.
• X Fund Proprietary investment fund managed by Ramify, representing the company's own B2C investment vehicle managed under the X Fund brand by Valhyr Capital.
• Assurance-vie Mineur (Minor Life Insurance) Life insurance product designed for minors under 18, allowing parents to start building wealth for their children with tax-advantaged growth.

Quantifiable outcome

• +81.64% cumulative return on Flagship portfolio (risk 10/10) from 2021-2025
• +4 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Partnerships

15 partnerships are on record, tiered core and minor.

• ROYCcoreTechnology or Integration · 3 December 2025Partnership to expand private markets offerings in France, enabling distribution of high-quality private-market funds through a curated program. Provides regulatory compliant platform for private-market exposure under Ramify's own brand without multimillion minimums.
• CFCAL - Banque (Crédit Mutuel Arkéa)coreStrategic or Co-development PartnerBanking partner for distribution of savings products. CFCAL is a subsidiary of Crédit Mutuel Arkéa. Acts as validation partner for subscription projects. Provides banking infrastructure for Ramify's savings account and term deposit products.
• GeneralicoreStrategic or Co-development PartnerInsurance partner providing Netissima euro fund with 3% net return in 2025. Ramify portfolios integrate Generali insurance products for euro fund allocation.
• ApicilcoreStrategic or Co-development PartnerInsurance partner providing Apicil Euro Garanti fund with 4% gross return in 2024. Partnership for life insurance and PER contracts with Ramify as manager.
• Lombard InternationalminorStrategic or Co-development PartnerPartner for Luxembourg life insurance solutions as part of Ramify Black and Obsidian tier offerings.
• Edmond de RothschildminorStrategic or Co-development PartnerPrivate equity fund provider. Ramify distributes Edmond de Rothschild private equity funds to individual investors.
• BlackRockminorStrategic or Co-development PartnerAsset manager partner for ETF and fund distribution through Ramify platform.
• Tikehau CapitalminorStrategic or Co-development PartnerPrivate markets manager providing funds available on Ramify platform including Tikehau European Private Credit.
• EurazeominorStrategic or Co-development PartnerInvestment firm providing Eurazeo private equity funds distributed through Ramify platform.
• BlackstoneminorStrategic or Co-development PartnerAlternative assets manager whose funds are available on Ramify platform for private market exposure.
• AnaxagominorStrategic or Co-development PartnerCrowdfunding platform partner for real estate club deals and AxClimat fund distribution.
• NovaxiaminorStrategic or Co-development PartnerReal estate investment partner providing SCPI Novaxia Neo and Novaxia One available on Ramify.
• IrokominorStrategic or Co-development PartnerSCPI provider whose Iroko Zen product is distributed through Ramify platform.
• RemakeminorStrategic or Co-development PartnerSCPI provider offering Remake Live on Ramify platform.
• One LifeminorStrategic or Co-development PartnerLuxembourg insurance partner for assurance-vie luxembourgeoise product offering.

Scale indicators7 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Nalo: French digital wealth management / robo-advisor offering personalized ETF portfolios with life insurance and PEA wrappers, directly competing with Ramify's Premier tier for the same mass-affluent French investor segment.
• Yomoni: One of the earliest French robo-advisors, providing managed ETF portfolios in life insurance and PEA envelopes — a near-identical core offering to Ramify's Premier tier, with overlapping value proposition on accessibility and fees.
• Fundshop: French online wealth platform distributing funds and structured products with advisory support, overlapping with Ramify's distribution-led GTM and SCPI/PE/structured product focus.
• Lucya: French digital wealth management platform combining digital advisory with human advisors, targeting individual investors with managed portfolios — same hybrid robo-advisory model as Ramify.
• Moneyfarm: European digital wealth manager serving UK, Italy, and other markets with managed portfolios and pension products — directly comparable in business model, with broader geographic footprint Ramify aspires to.

Broad incumbents

• Scalable Capital: Large European wealthtech offering managed portfolios, brokerage, and savings products across Germany and Europe — broader product scope and pan-European scale that Ramify would compete with as it expands beyond France.
• Boursorama Banque: Société Générale's online bank with brokerage, life insurance, and PEA offerings in France — incumbent with massive customer base and existing distribution that Ramify targets for share-take.
• Fortuneo Banque: Crédit Mutuel Arkéa's online bank offering brokerage, savings, and life insurance in France — incumbent direct competitor with bundle advantages Ramify cannot match.

Emerging players

• Trade Republic: European retail brokerage expanding into managed savings products and private markets — competitor for the same younger mass-affluent investor cohort Ramify is targeting, particularly across Europe.

Others

• BlackRock (via iShares): Asset manager whose ETFs Ramify distributes; both partner and competitive reference point as BlackRock expands its own Aladdin Wealth and B2B wealthtech offerings to asset managers and platforms.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds2 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ramify