What Linxo Group does

Linxo Group is a French Open Banking and Open Finance platform founded in 2010 and headquartered in Aix-en-Provence. The company operates as an ACPR-licensed payment institution (code 16928) under PSD2, providing Account Information Services (AIS), Payment Initiation Services (PIS), and data enrichment to enterprise clients. Its technology stack aggregates financial data across 1,700+ institutions and exposes functionality via APIs and embeddable widgets under the Linxo Connect developer brand.

The product portfolio is organized into four core B2B modules — Accounts (real-time bank account aggregation), Payments (simplified bank transfer and scheduled installments), Wealth (life insurance, PEA, PER, and investment aggregation), and Insights (transaction categorization and merchant identification) — plus a direct-to-consumer mobile app, Linxo Lab, for personal finance management. Distribution is dual: a B2B2C model in which 120+ partners (banks, insurers, fintechs, e-commerce platforms, credit and wealth advisors, debt collectors) embed Linxo widgets into their own products, alongside a D2C freemium/premium subscription app.

Linxo generates revenue through a combination of B2B API and widget licensing (multi-year contracts with enterprise partners), transaction-based fees on payment-initiation flows, freemium and premium consumer subscriptions (Linxo Premium), and anonymized data monetization for research and statistics. The company is a wholly-owned subsidiary of Crédit Agricole Payment Services (itself part of Crédit Agricole Group), and operates with 140+ employees. Notable strategic milestones include the 2018 acquisition of Sharepay, a 2017 $24M funding round backed by Crédit Agricole, Crédit Mutuel Arkéa, and MAIF Avenir, and ISO 27001 certification as the first European actor in its scope.

Name

Linxo Group

Legal name

LINXO (Société par Actions Simplifiée au capital de 1.531.680 euros, RCS Aix-en-Provence, N° 833 350 176)

Website

https://linxo.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

Linxo Group is a French Open Banking platform providing PSD2-compliant account aggregation, payment initiation, wealth data, and transaction enrichment APIs and widgets to 120+ enterprise partners, plus a direct-to-consumer personal finance app (Linxo Lab). It operates as an ACPR-licensed payment institution and subsidiary of Crédit Agricole Payment Services.

Ownership category

akta.pro rank

Product category

Open Banking Infrastructure

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)

akta.pro secondary industries

Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Open banking APIs
• Account aggregation services
• Payment initiation services
• Personal finance management
• Financial data enrichment

Headquarters

HQ city

Aix-en-provence

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Linxo PREMIUM Subscription: Premium subscription service offering enhanced personal finance management features beyond the free basic tier. Available as monthly or annual subscription with tacit renewal. Payment via PayPal or in-app purchase.
2. B2B API/Widget Licensing: Enterprise partners (banks, insurers, e-commerce platforms, credit actors) license Linxo's APIs, widgets (Accounts, Payments, Wealth), and white-label solutions. Revenue derived from partner integration and usage of Open Banking services.
3. Transaction-based Payment Services: Payment initiation services (PIS) generate revenue per transaction. Virement simplifié (simplified transfer) enables bank-to-bank payments without cards.
4. Anonymized Data Monetization: Anonymized transaction and behavioral data used for research, analysis, and statistics. Sold to partners to maintain and improve free services.
5. Freemium Base Service: Free core service with basic aggregation and budgeting features, designed to drive adoption and premium upsell.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Linxo Group operates an Open Banking / Open Finance platform providing PSD2-compliant Account Information Services (AIS) and Payment Initiation Services (PIS) to enterprise partners through APIs and embeddable white-label widgets (Accounts, Payments, Wealth, Insights). It also offers the Linxo Lab consumer mobile application for personal finance management across 1700+ connected financial institutions, supporting account aggregation, budgeting, payment initiation, and transaction enrichment for both end users and B2B clients.

Product overview

Linxo Group is an Open Finance platform offering a suite of business solutions including Accounts (bank account data aggregation via DSP2-compliant AIS), Payments (payment initiation via PIS), Wealth (investment and savings data aggregation), and Insights (transaction enrichment). For consumers, Linxo offers the Linxo Lab application for personal finance management. The company operates as both a B2C app provider and a B2B API/platform provider (branded as Linxo Connect), enabling third-party businesses to embed Linxo's Open Banking services through customizable widgets and APIs. The product portfolio includes dedicated solutions for various sectors including e-commerce, credit origination, wealth management, debt collection, and personal finance management.

Differentiator

Problem solved

Functional benefit

Brands

• Linxo App (historique): The historical Linxo personal finance management application for budget tracking
• Linxo Lab
• Linxo Payments
• Linxo Accounts
• Linxo Wealth
• Linxo Insights
• Linxo Premium

Products and services

• Accounts PSD2-compliant Account Information Service (AIS) that gives enterprise partners real-time, secure access to aggregated bank account data across 1700+ financial institutions. Used by banks, insurers, fintechs, and credit actors to centralize customer account information.
• Payments PSD2-compliant Payment Initiation Service (PIS) enabling secure, fast bank-to-bank transfers and installment-based payment scheduling without card numbers or IBAN entry. Offered to e-commerce platforms, debt collection agencies, automotive dealers, and other merchants via API or widget.
• Wealth Patrimonial data aggregation service providing a 360-degree view of client wealth across savings, life insurance, PEA, PER, and employee savings accounts with automatic valuation. Targeted at independent wealth advisors (CGP) and consulting firms.
• Insights Data enrichment service that automatically categorizes and labels bank transactions, identifies merchants, and analyzes consumer lifestyle habits from raw bank statement descriptions. Used by enterprise partners to provide clearer financial insights to end customers.
• Linxo Lab Consumer-facing mobile personal finance management app for iOS and Android that centralizes bank accounts, savings, investments, and crypto across 1700+ institutions. Provides budget tracking, expense analysis, savings goals, and integrated bank-to-bank payments via QR code for individuals, professionals, and self-employed users.
• Hub Data Financial data intelligence platform that bundles Linxo's data capabilities — Accounts (bank account access), Wealth (patrimonial data), and Insights (enriched financial data) — into a single integrated offering for enterprise clients needing comprehensive financial data access.
• Observatoire de la donnée Research service publishing studies on French financial behavior trends, banking customer expectations, and Open Banking usage patterns based on aggregated anonymized data.
• Linxo Connect Wholly-owned subsidiary providing Open Banking API solutions through a developer portal with documentation, sandbox environment, customizable responsive widgets, and Quick Start integration guides for partner developers.

Quantifiable outcome

• 1700+ financial institutions connected for account aggregation
• +2 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Amazon Web Services (AWS)coreTechnology or IntegrationAWS hosts Linxo's servers and infrastructure in Ireland with backup sites in France. Provides cloud platform for production services.
• LSTIcoreTechnology or IntegrationCertification body that issued ISO 27001 certification for Linxo's information security management system covering payment initiation and account information services.
• 120+ Business PartnerscoreChannel Partner/ Reseller/ DistributorOver 120 partners use Linxo's Open Banking solutions including banks (Crédit Agricole, LCL), fintechs (Younited, Meilleurtaux, Blank), insurers, e-commerce platforms, and financial service providers. Partners integrate Linxo's APIs and widgets for account aggregation and payment services.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Plaid: Global Open Banking / account connectivity platform offering AIS-style bank linking, payment initiation (in select markets), and data enrichment APIs to fintechs and financial institutions. Directly comparable to Linxo Connect on account aggregation and data enrichment, though with much broader geographic coverage and scale.
• Yodlee (Envestnet): Long-standing financial data aggregation and enrichment platform within Envestnet, offering account linking, transaction categorization, and wealth data APIs to banks and fintechs. Comparable to Linxo on aggregation and Insights-style data enrichment, though with a US-centric heritage and broader wealth-management portfolio.

Direct peers

• Tink: European Open Banking platform (acquired by Visa) providing account aggregation (AIS), payment initiation (PIS), and transaction enrichment across 20+ European markets. Most directly comparable to Linxo on the European Open Banking value proposition, regulatory positioning, and customer base.
• Budget Insight: French Open Banking aggregator (part of the Roamler group) offering account aggregation and payment initiation APIs to banks, insurers, and fintechs in France and Europe. Head-to-head competitor for Linxo in the French B2B Open Banking market with overlapping partner base.
• Powens: European Open Finance platform (formerly Bridge API France) offering account aggregation, payment initiation, and wealth data APIs across multiple European countries. Comparable to Linxo on product scope (AIS, PIS, wealth aggregation) and target B2B customers in French and EU banking.
• TrueLayer: UK-based Open Banking platform providing AIS and PIS APIs to fintechs and merchants. Comparable to Linxo on payment-initiation-led proposition and developer-first B2B2C model, though with stronger UK and pan-European reach than French depth.
• Yapily: Open Banking infrastructure provider offering account aggregation and payment initiation APIs across European banks. Comparable to Linxo on B2B API-first Open Banking model, with broader multi-country connectivity.
• MX Technologies: US-based Open Finance platform providing account aggregation, payment initiation, and data enrichment APIs to banks, credit unions, and fintechs. Comparable to Linxo Connect on multi-product Open Finance API offering, data enrichment (Insights equivalent), and B2B2C distribution model.

Regional players

• Bankin': French personal finance management app and Open Banking provider offering account aggregation and PFM services to consumers and B2B partners in France and select European markets. Directly comparable to Linxo Lab on the consumer PFM proposition, and a French competitor in B2B aggregation.

Emerging players

• Bud Financial: Open Banking and transaction data intelligence platform offering account aggregation and enriched financial data APIs to banks and fintechs. Comparable to Linxo on transaction enrichment (Insights) and account data layer, with stronger focus on banking-grade analytics.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@linxo
• Facebookfacebook.com/155046007857017
• LinkedInlinkedin.com/company/linxo
• Instagraminstagram.com/linxo_app
• Xx.com/linxos

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors4 records

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

M&A1 record

Investments

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

Frequently asked questions about Linxo Group