What Yomoni does

Yomoni (legal entity ALTHEIS SAS) is a French AMF-regulated online wealth manager, founded in 2015 and headquartered in Paris, that delivers ETF-based discretionary portfolio management to French retail investors, self-employed professionals, and high-net-worth clients through regulated savings envelopes (assurance-vie, PEA, PER, compte-titres). Its platform offers 10 standard risk profiles plus 9 ESG profiles, with an all-in annual fee capped at 1.6% — roughly half the ~3.6% charged by traditional French private banks — combined with a hybrid digital-plus-human advisory model comprising over 20,000 advisory appointments per year and a 5-minute online onboarding questionnaire.

The underlying technology is an ETF-based robo-advisory stack with algorithmic portfolio construction, risk profiling, automated rebalancing, and a proprietary 'Y comparator' benchmarking tool covering ~850 funds. More recent AI features include OCR-based tax notice analysis, NLP-generated fiscal summaries, and an AI-augmented advisor knowledge base. Asset custody sits with Crédit Agricole Titres; insurance envelopes are underwritten by Suravenir (assurance-vie) and Spirica (PER), while Crédit Mutuel Arkéa is both a shareholder and key operational partner.

Yomoni generates revenue almost entirely from recurring AUM-based management fees (0.70% Yomoni fee component within the 1.6% all-in cap), with no entry or switching fees. As of January 2026 it serves nearly 80,000 households and manages over €2 billion in AUM, up from €1.5B one year earlier, making it the largest independent online wealth manager in France. The company is profitable, employs approximately 100 people (with ~40 in client relations), and is expanding its distribution beyond direct digital into CGPI, Family Office, and MFO channels, led by a strategic exclusive partnership with HEREST.

Name

Yomoni

Legal name

ALTHEIS

Website

https://yomoni.fr

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Yomoni is a French AMF-regulated online wealth manager that delivers low-cost ETF-based discretionary portfolio management across assurance-vie, PEA, PER and compte-titres envelopes to approximately 80,000 retail, self-employed and HNW households, managing over €2 billion in AUM.

Ownership category

akta.pro rank

Product category

Online Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

akta.pro secondary industry

Multi-Asset & Allocation ETFs (Balanced, Target Risk) (FSAAAFAF)

Keywords

• Digital wealth management
• Robo-advisory platform
• ETF portfolio management
• Asset management services
• Private banking services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset management fees (frais de gestion): Yomoni charges an annual management fee calculated as a percentage of assets under management (encours). This is the primary revenue stream. Total fees cap at 1.6% per year for assurance-vie, comprising: 0.70% Yomoni management fee, 0.60% envelope fee (assurer), and up to 0.30% for underlying ETF costs. No entry fees, no switching/arbitrage fees. Revenue scales directly with AUM.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Yomoni provides online ETF-based discretionary wealth management services to French retail investors, self-employed professionals, and high-net-worth individuals. The company builds and manages diversified portfolios of exchange-traded funds across multiple asset classes, delivered through regulated French savings envelopes including assurance-vie, PEA, PER, and compte-titres, with 10 standard risk profiles (P1–P10) plus 9 ESG alternatives and a maximum annual fee of 1.6%.

Product overview

Yomoni operates as a multi-product digital wealth management platform organized across three customer segments: individuals (particuliers), professionals (pros/TNS/holdings), and private wealth clients (gestion privée). The core product family centers on ETF-based discretionary management delivered through regulated French savings envelopes — Assurance-vie, PEA, PER, and Compte-titres — each available with 10 risk profiles (P1–P10) and 9 ESG alternatives, with a maximum annual fee of 1.6%. The platform expanded into Gestion Privée (structured products, private equity, thematic ETFs, euro funds), professional offerings (Pro/CTO/PER/TNS/holdings), and a recent AI-powered fiscal optimization tool for personalized tax advisory. Over 80,000 clients manage more than €2 billion in assets under management, positioning Yomoni as the leading independent online wealth manager in France.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance-vie Yomoni Vie Multi-support life insurance contract (assurance-vie) offering 10 risk profiles (P1–P10) and 9 ESG profiles for discretionary or free management, invested primarily in ETFs. Targeted at French retail investors seeking tax-advantaged long-term savings with professional portfolio management. All-in annual fee capped at 1.6%, minimum €1,000 initial investment.
• Assurance-vie Enfant (Yomoni Kid) Life insurance contract specifically designed for children, allowing parents to build capital over the long term with age-appropriate investment horizons. Targeted at parents wishing to accumulate savings for their children's future (studies, first home, entrepreneurship).
• Assurance-vie Responsable (ESG) ESG-focused life insurance variant applying ISR/ESG filters and criteria to portfolio construction, targeting reduced carbon footprint and implicit temperature relative to benchmarks. Targeted at socially conscious investors seeking responsible investment options within their assurance-vie contract.
• Assurance-vie Immobilier Life insurance variant incorporating real estate asset class exposure through SCPI (Sociétés Civiles de Placement Immobilier) and thematic real estate UC (unités de compte) selections. Targeted at investors seeking real estate diversification within their assurance-vie envelope.
• PEA (Plan d'Épargne en Actions) Stock savings plan enabling tax-advantaged investment in European equities and funds, available with discretionary management or free management modes. Targeted at French investors seeking equity exposure with favorable tax treatment after 5 years.
• PER Yomoni Retraite+ Individual retirement savings plan (Plan d'Épargne Retraite) offering tax-deductible contributions and flexible exit options, underwritten by Spirica (subsidiary of Crédit Agricole Assurances). Targeted at French individuals planning retirement with tax optimization benefits.
• PER Pro Retirement savings plan tailored for self-employed professionals (travailleurs non-salariés/TNS) with tax-deductible contribution options and flexible retirement income choices. Targeted at independent professionals and business owners.
• Compte-titres (CTO) Ordinary securities account for diversified investment without the tax constraints of the PEA, accessible with discretionary or free management. Targeted at investors seeking international/global investment exposure without PEA-specific limitations.
• Compte-titres Pro Securities account for legal entities (personnes morales) enabling professional treasury management with discretionary or free investment approaches. Targeted at business entities, holding companies, and corporate clients.
• Holding Patrimoniale Investment solution designed for holding structures seeking optimized wealth management, leveraging Yomoni's ETF-based discretionary management within a corporate entity. Targeted at family holdings and patrimonial holding companies.

Quantifiable outcome

• Assets under management exceeded €2 billion as of January 2026, reached in only 2 years after crossing the €1 billion mark (vs. 8 years for the first billion)
• +5 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• HERESTcoreChannel Partner/ Reseller/ Distributor · 30 January 2025Exclusive partnership making Yomoni's ETF-based management mandates available to HEREST's high-net-worth Family Office client base. HEREST is described as a reference actor of Family Office services in France. This marks Yomoni's first third-party distribution agreement for its management mandates.
• LinxeacoreChannel Partner/ Reseller/ Distributor · 1 January 2021Linxea distributes Yomoni's ETF mandates through its online savings platform, which has been active for four years as of January 2025. Linxea is an established French digital savings broker.
• SuravenircoreStrategic or Co-development PartnerSuravenir (subsidiary of Crédit Mutuel Arkéa) is the insurance carrier behind Yomoni Vie, Yomoni's flagship life insurance contract. Suravenir and Yomoni co-developed the multi-compartment feature in 2025, enhancing Yomoni's assurance-vie contract to better separate discretionary management and self-directed investing.
• Crédit Agricole (via Crédit Agricole Titres)coreOthersYomoni's PEA and compte-titres accounts are deposited with Crédit Agricole Titres, ensuring regulatory-grade asset custody separate from Yomoni's own balance sheet.
• SpiceracoreOthersSpicera (subsidiary of Crédit Agricole Assurances) is the insurance carrier for Yomoni's PER (retirement savings plan).
• B Lab (B Corporation)minorOthersB Lab is the non-profit organization that administers the B Corp certification. Yomoni obtained its B Corp certification in 2025 after a multi-year process starting in 2021.

Scale indicators11 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Nalo: French online wealth manager offering ETF-based managed portfolios (PEA, assurance-vie, PER) to retail investors. Closest direct competitor to Yomoni in the French robo-advisory market with a similar low-fee, digital-first proposition.
• Ramify: Paris-based digital wealth manager providing ETF-based discretionary portfolio management and life insurance wrappers. Targets the same French retail and self-employed segments as Yomoni with a comparable digital-only model.
• Magnolia: French online wealth management platform offering ETF-based managed portfolios and life insurance. Targets similar retail and family-office-adjacent segments with a hybrid digital/advisory model.
• Linxea: Established French online savings broker distributing assurance-vie, PEA and PER contracts. Both a channel partner (resells Yomoni mandates) and a competitor offering its own managed solutions.
• Finary: French wealth-tracking and investment platform aggregating bank, brokerage and real estate assets, with an embedded offering for managed portfolios. Overlaps with Yomoni on retail wealth management and digital onboarding.
• Meilleurtaux Placement: Online wealth and life insurance broker serving French retail and HNW clients with multi-wrapper savings products. Competes with Yomoni in the digital distribution of assurance-vie and PEA.

Regional players

• Moneyfarm: UK- and Italy-headquartered European digital wealth manager with ETF-based managed portfolios. Comparable business model and target customer to Yomoni but operating outside the French market.

Broad incumbents

• Fortuneo: French online bank and broker (Crédit Mutuel Arkéa group) offering assurance-vie, PEA and CTO products. Sister-group to a key Yomoni partner and a broad incumbent competitor across retail wealth wrappers.
• Bourse Direct: Long-standing French online broker (part of Société Générale group) offering PEA, CTO and related savings wrappers. Overlaps with Yomoni on self-directed retail investing and ETF execution.
• Boursorama Banque: France's largest online bank (Société Générale subsidiary) with a full brokerage, life insurance and PEA offering. A broad incumbent competitor moving into digital wealth management for retail clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/yomoni
• Xx.com/yomoni_fr
• Facebookfacebook.com/Yomoni.fr

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds4 records

Investors3 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 Yomoni