What Mitrust does

MiTrust is a French, privately-held data intermediation company founded in 2018 that operates a single-API platform enabling end-users to share verified personal data (identity, income, insurance, address, bank details, pay stubs, birthplace) from regulated sources directly with enterprise customers in real time. The platform acts as a regulated intermediary connecting users to over 3,000 data sources across Europe — including banks, telcos, utilities, insurers, government agencies, and identity providers — and is registered with ACPR as an Account Information Service Provider (AISP) and with ARCEP and the European Data Intermediation Services Registry as a Data Intermediation Service Provider (DISP). Its "Privacy by Design" architecture enforces explicit user consent at every step, stores no user data, and requires no app or account from end-users.

The product surface is built around a "Trust Engine" exposing 300+ data points through one API, accompanied by original-document verification, data certificates, and certified audit trails for compliance and litigation use. Use cases span Banking & Credit, Insurance, Real Estate, Supplier Compliance, Human Resources, and Online Betting, with named customers including Sofinco, LCL, CNP Assurances, Stellantis, Docaposte, Verspieren, Verlingue, Leboncoin Immo, Provigis, Zebet, ZEturf, Bessé, Assuinco, and Zelok. MiTrust's stated value proposition is reducing onboarding and verification timelines from days to seconds while eliminating OCR errors, document fraud, and manual chasing.

MiTrust operates an API-first go-to-market with enterprise field sales structured around discovery workshops and an incremental migration path from document collection to full process automation. Pricing is usage-based and not publicly disclosed. The company is headquartered in Paris, operates across France, Germany, and the Netherlands, and has raised a total of €5 million since inception, with Open CNP — the corporate venture fund of CNP Assurances — holding a minority stake since October 2021.

Name

Mitrust

Legal name

MiTrust

Website

https://m-itrust.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

MiTrust is a French regulated data intermediation platform that lets users share verified personal data from banks, telcos, insurers, and government sources with enterprise customers via a single API. It serves banking, insurance, real estate, supplier compliance, HR, and online betting use cases across France, Germany, and the Netherlands.

Ownership category

akta.pro rank

Product category

Data Intermediation Platform

NAICS

Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Privacy Management (Consent, DSAR, RoPA) (HDADAFAH)

Keywords

• Data sharing platform
• Identity verification API
• Open banking data
• KYC verification services
• Personal data portability

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Data Sharing Services: MiTrust provides secure information exchange services between users and online services, including identity verification and data transfer such as income, address, insurance coverage, and other personal data. Companies integrate via a single API and pay for data sharing services consumed.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

MiTrust operates a regulated European data intermediation platform that enables individuals to share verified personal data — including identity, income, insurance coverage, address, bank details, and pay stubs — directly from original regulated sources such as banks, telcos, utilities, insurers, and government agencies to businesses through a single API. Companies integrate the API to replace manual document collection, scanning, and OCR-based verification in workflows such as customer onboarding, KYC, credit assessment, tenant screening, insurance claims, and supplier due diligence. The service is delivered under user consent with no app or account required and produces certified evidence of data origin for audit and litigation purposes.

Product overview

MiTrust operates as a unified data-sharing platform designed for personal data portability and verification across Europe. The platform consists of a core User Experience module that provides the interface for consent-based data sharing, combined with a Products module that accesses 300+ data points from 3,000+ European sources (banks, telcos, insurers, government agencies, ID providers). The Features module delivers document verification and data certificates, while the Privacy by Design module ensures GDPR compliance. All functionality is accessible through a single API, enabling companies to collect authentic, certified data directly from regulated sources. The platform serves multiple industries including Banking & Credit, Real Estate, Insurance, Human Resources, Online Betting, and Supplier Compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• MiTrust Data Sharing Platform Single API-based platform that enables businesses to retrieve authenticated personal data (identity, income, insurance, address, bank details, pay stubs) directly from regulated European sources via a user-controlled, consent-based flow. Designed for enterprises in banking and credit, insurance, real estate, online betting, HR, and supplier compliance that need to replace manual document-based onboarding, KYC, and verification processes with real-time certified data retrieval.
• MiTrust Professional Services Implementation and integration services accompanying the MiTrust API, including UX design, data mapping assistance, expert consulting, technical integration, and ongoing customer support for enterprises deploying the platform.

Quantifiable outcome

• Tenant files compiled and certified in under 3 minutes
• +2 more outcomes

Named customers14 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• ProvigiscoreTechnology or IntegrationThe Provigis x MiTrust partnership automates third-party compliance verification. The integration makes complying with supplier compliance regulations easier through automated data verification, led by Rémi Lentheric, Business Development Director at Provigis.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tink (Visa): European open-banking platform acquired by Visa, offering account information, payment initiation and data enrichment services across 18+ European markets. Directly comparable AISP-style connectivity and PSD2 positioning with broader geographic reach and the backing of Visa.
• Trulioo: Global identity verification and business verification platform providing KYC/AML coverage across 195 countries. Comparable in regulated-data intermediation for onboarding and compliance, though focused on identity rather than income/insurance data, and serving a broader global market.
• TrueLayer: European open-banking API platform serving banks, lenders and fintechs with PSD2-compliant account connectivity. Closely comparable in regulatory positioning (AISP under PSD2) and API-first GTM; both compete for European bank and lender integrations.
• Plaid: Global open banking and financial-data connectivity platform connecting users' bank accounts to applications. Directly comparable to MiTrust's AISP-licensed bank connectivity and API-first delivery model, though Plaid's data scope is narrower (financial only) and its geographic and capital scale is materially larger.
• Yapily: European open-banking infrastructure provider offering a single API to connect to banks across the UK and EEA. Closely comparable in API-first architecture, regulatory licensing and enterprise sales motion targeting banks, lenders and fintechs.
• Budget Insight: French data aggregation platform that connects to banks, insurers, telecoms and government sources for personal finance and KYC use cases. The most direct in-country peer, sharing the French AISP/DISP regulatory positioning and multi-source data model — though Budget Insight's customer base is more concentrated in personal finance management.

Emerging players

• Veriff: Identity verification platform with strong European presence serving fintech, mobility and online gaming customers. Overlaps with MiTrust in KYC for online betting (Zebet/ZEturf) and banking/credit onboarding, though narrower in data-source breadth.
• Onfido: AI-based identity verification and KYC platform serving banks, fintechs and online platforms across Europe. Comparable in KYC and identity-verification use cases but narrower in scope (no income/insurance/government data intermediation), with significantly larger scale and funding.

Regional players

• Linxo: French personal finance management and account aggregation platform (owned by Crédit Agricole). Comparable as a French AISP-licensed data aggregator, though Linxo is owned by a banking incumbent and primarily serves consumer PFM rather than enterprise KYC.
• Bankin': French bank account aggregation and PFM platform serving consumers and businesses. Comparable as a French AISP-licensed data intermediation player, though primarily focused on retail PFM rather than enterprise onboarding and insurance/real estate verification use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mitrust

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors1 record

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 Mitrust