AideXa
- Company typePrivate
- Founded2018
- HeadquartersMilan, Italy
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
AideXa firmographics
Firmographics- Name
- AideXa
- Legal name
- Banca AideXa S.p.A.
- Website
- https://aidexa.it
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
AideXa industry classification
Industry- Product category
- Digital SME Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA)
Keywords
Where AideXa is headquartered
LocationHeadquarters
- HQ city
- Milan
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
AideXa business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Interest Income: AideXa earns interest income on loans extended to micro and small enterprises, ranging from 25,000€ to 3,000,000€ with terms of 12 to 72 months. Interest can be fixed or variable. The loans are partially guaranteed (up to 80%) by the Fondo di Garanzia per le PMI.
- Deposit Interest Expense / Spread: AideXa collects deposits from private individuals through various savings accounts (X Risparmio Libero, Flexi, Cedola, ProntoSmart) and uses these funds to finance SME loans. The bank earns the spread between deposit rates paid (up to 3.3% gross) and loan rates charged.
- Payment Services Fees: Revenue from payment services including SEPA transfers (first 5 free per month, then charged), CBILL payments, F24 payments, and other transaction fees on the X Conto business current account. The account is marketed as zero monthly fee with only stamp duty charged.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | X Garantito: loans from 25,000€ to 3,000,000€ for SMEs |
| Other | Pay-as-you-go | X Risparmio Libero: 2.5% gross annual rate until 30 June 2027 |
| Other | Monthly | X Risparmio Cedola: up to 3.3% gross annual rate with monthly coupons |
| Other | Pay-as-you-go | X Risparmio Flexi: 2.85% gross annual rate until 30 June 2027, 32-day notice |
| Other | Multi-year contract | X Risparmio ProntoSmart: up to 3.2% gross annual rate, term 3-36 months |
| Other | Monthly | FEI Funds Loan: from 25,000€ at 5.9% minimum rate |
| Other | Monthly | X Conto: zero monthly fee business account |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels9 records
AideXa product offering
Product offeringCore offering
Banca AideXa is an Italian digital challenger bank that provides AI-powered financing (€25,000–€3,000,000, 12–72 month terms) to micro and small enterprises via a fully digital platform with open banking data integration. It also funds this lending by gathering retail deposits through a suite of X Risparmio savings accounts and offers a zero-fee digital business current account (X Conto) with payment services. All offerings are delivered through its proprietary X Score credit scoring system and PSD2-based instant data retrieval, eliminating manual document uploads.
Product overview
Banca AideXa S.p.A. is a licensed digital bank (Bank of Italy registration no. 8092, operating since 2021) serving micro and small Italian enterprises and private individuals. The product portfolio centers on SME financing (X Garantito, X Instant, X Instant Garantito) and deposit accounts for savers (X Risparmio ProntoSmart, X Risparmio Flexi, X Risparmio Cedola, X Risparmio Libero), complemented by a zero-fee business current account (X Conto). The company leverages proprietary AI (X Score scoring algorithm, Agentic AI systems) and Open Banking data from Experian Ireland to automate credit analysis and enable rapid, digital loan decisions.
Differentiator
Problem solved
Functional benefit
Products and services
- X Garantito SME guaranteed loan product from €25,000 to €3,000,000 with 12–72 month repayment terms, fixed or variable interest rates, covered up to 80% by the Italian SME Guarantee Fund (Fondo di Garanzia per le PMI). Targeted at Italian micro and small enterprises (PMI) with at least 2 years of operation, deposited financial statements, and minimum turnover of €71,500.
- X Instant Fast-track SME financing product offering rapid credit decisions for smaller loan amounts, leveraging AI credit scoring and open banking data. The first lending product launched by the bank following receipt of its full banking license.
- X Instant Garantito Guaranteed fast-track SME financing combining rapid processing with coverage from the MCC (Fondo di Garanzia per le PMI) government guarantee. Designed for micro and small enterprises seeking quick, low-friction financing decisions.
- X Conto Digital business current account with zero monthly fee, offering SEPA transfers (first 5 free monthly), CBILL and F24 payments, and multi-account aggregation for cash flow management. Targeted at Italian SMEs and self-employed professionals.
- X Risparmio Libero Instant-access savings deposit account with 2.5% annual gross interest rate valid until June 30, 2027, allowing unlimited deposits and withdrawals with no notice period and quarterly interest capitalization. Protected up to €100,000 by FITD.
- X Risparmio Flexi Flexible deposit account with 2.85% annual gross interest rate valid until June 30, 2027, allowing deposits and withdrawals with a 32-day notice period and quarterly interest capitalization. Minimum €1,000, maximum €250,000.
- X Risparmio Cedola Bond-style fixed-term deposit with monthly coupon payments at rates up to 3.3% annual gross (2.44% effective for 12 months), terms from 3 to 36 months with no early withdrawal option. Minimum €1,000, maximum €250,000.
- X Risparmio ProntoSmart Fixed-term deposit account with interest rates up to 3.2% annual gross (2.37% effective), terms from 3 to 36 months, with 32-day advance notice for early withdrawal. Interest paid at maturity. Minimum €1,000, maximum €250,000.
Quantifiable outcome
- Over 90% of financing requests evaluated using AI
- +5 more outcomes
Companies that use AideXa
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
AideXa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature4 records
AideXa partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- TrustfulcoreStrategic partnership between Banca AideXa and Trustful for compliance infrastructure, as highlighted in the Italy Alternative Lending Market Report 2025-2029, in the context of regulatory changes including EU's CCD2 implementation driving consolidation and new credit distribution models.
- Artigiancredito (ACT)corePartnership with Artigiancredito providing a double-guarantee financing solution for enterprises that are clients of ACT. The collaboration exemplifies AideXa's approach of combining digital innovation with the territorial coverage and established relationships of specialized intermediaries.
- Experian IrelandcoreExperian Ireland operates as an AISP (Account Information Services Provider) under PSD2, enabling AideXa to access customers' bank account data (balance and transactions) for creditworthiness evaluation. This open banking data retrieval eliminates the need for customers to upload documents manually.
- Partner Network (Confidi, Mediators, Agents, Financial Institutions)coreA nationwide network of 150+ partners including credit mediators (mediatori creditizi), OAM-registered agents, guarantee consortia (confidi), and financial institutions. These partners distribute AideXa's financing products throughout Italy, combining digital innovation with physical territorial coverage. Partners include Confidi Systema and various confidi and agent networks.
Scale indicators12 records
Recent moves4 records
Expansion highlights6 records
AideXa competitors and assessment
Company assessmentDirect peers
- Qonto: French SMB neobank offering business current accounts, financing, and expense management to European SMEs and freelancers. Direct comparable in business model, target segment (SMEs), and digital-first banking stack; larger scale and pan-European footprint.
- Tide: UK-based SMB business banking platform serving over 500,000 SMEs with current accounts, invoicing, and integrated fintech services. Closely comparable in SME digital banking focus, though operating in the UK market.
- Illimity Bank: Italian challenger bank founded in 2018 serving SMEs and distressed credit with digital banking and lending products. Closest domestic peer — same founding era, same Italian market, same SME focus, though larger balance sheet and broader product set.
- Hype: Italian mobile-only neobank (originally backed by Banca Sella) offering current accounts, payments, and savings. Comparable digital-first Italian banking model, though focused on retail/consumer rather than SME lending.
Broad incumbents
- Starling Bank: UK digital challenger bank serving both consumers and SMEs (Banking-as-a-Service is a major business). Comparable full-license digital bank with proprietary technology and SME focus, but at materially larger scale and with broader product mix.
- Banca Ifis: Italian listed bank specializing in SME lending, factoring, and NPL servicing. Comparable in Italian SME credit focus and one of AideXa's key shareholders; significantly larger and incumbency-positioned.
- Mediocredito Centrale: Italian state-backed bank focused on SME credit and public guarantee fund management (Fondo di Garanzia per le PMI — directly relevant to AideXa's X Garantito product). Comparable in SME credit focus but with state-mandated public policy mission.
- Banca Sella: Italian fintech-oriented bank and historical investor in AideXa. Operates its own digital banking and SME services stack (including the Hype neobank), making it both a shareholder and a strategic competitor in the Italian SME banking space.
Emerging players
- Soldo: Italian-founded (now UK-headquartered) business expense management and multi-user corporate cards platform serving SMEs. Comparable in serving Italian SMEs with digital financial tools, though focused on spend management rather than lending.
- Treezor: European Banking-as-a-Service platform (now part of Société Générale) enabling fintechs and corporates to embed payment and banking services. Adjacent comparator in European embedded banking infrastructure; useful for understanding the BaaS competitive context.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
AideXa social profiles
Digital presenceAideXa compliance and trust
Trust signalCompliance1 record
AideXa financial estimates
Financial estimateRevenue estimate
Valuation estimate
AideXa leadership team
Management profileNumber of profiles
Profiles11 records
AideXa funding detail
Funding detailFunding overview
Funding rounds5 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AideXa M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AideXa
What does AideXa do?
Banca AideXa is an Italian digital challenger bank that provides AI-powered financing (€25,000–€3,000,000, 12–72 month terms) to micro and small enterprises via a fully digital platform with open banking data integration. It also funds this lending by gathering retail deposits through a suite of X Risparmio savings accounts and offers a zero-fee digital business current account (X Conto) with payment services. All offerings are delivered through its proprietary X Score credit scoring system and PSD2-based instant data retrieval, eliminating manual document uploads.
Is AideXa a public or private company?
AideXa is a private company. It is classified as venture growth investor backed and is currently operating.
When was AideXa founded?
AideXa was founded in 2018. It employs 101 to 250 people.
Where is AideXa based?
AideXa is headquartered in Milan, Italy, in the Europe region.
How does AideXa make money?
Three revenue lines are on record. Loan Interest Income is the primary driver. The others are deposit Interest Expense / Spread and payment Services Fees.
Who are AideXa's main competitors?
Direct peers on record are Qonto, Tide, Illimity Bank and Hype. Broad incumbents are Starling Bank, Banca Ifis, Mediocredito Centrale and Banca Sella. Emerging players are Soldo and Treezor.
Does AideXa have an API?
No public API is recorded for AideXa.
What industry is AideXa in?
AideXa's product category is Digital SME Banking. Its primary akta.pro industry code is FSAGAAAA, Neobank Core Platform (Retail/SME Digital Bank). Its NAICS code is 5221 and its SIC code is 6099.