Utocat

What Utocat does

Utocat is a French fintech founded in 2014 by Clément Francomme and headquartered at Euratechnologies in Lille, France. The company develops Catalizr, a blockchain-based front-to-back software platform that digitizes and automates the lifecycle of unlisted securities (actions non cotées) held in PEA, PEA-PME, PER and CTO investment accounts. The platform combines blockchain for document authenticity, robotic process automation for document generation and tracking, and AI-assisted processing to compress transaction completion times from weeks or months to 2-3 days on average, with stated savings of 78% of administrative time per file. Utocat also operates Blockchainiz, a standalone API platform providing connectivity to blockchain networks and smart contract deployment.

The company sells exclusively to financial institutions — primarily French banks, insurers, and wealth managers — through an enterprise field-sales motion, with named reference clients including BNP Paribas, Crédit Agricole, Crédit Mutuel, CIC, AXA, Caisse d'Épargne, and Banque Transatlantique. The company reports 3 of France's 6 largest banking groups among its client base. Revenue is generated through B2B software subscriptions (annual billing cadence, quote-based pricing) with potential per-transaction fees tied to dossier volume. As of 2024, the company employs approximately 17 people distributed across five teams.

Cumulative processed volume through Catalizr reached approximately €3.595 billion of unlisted-securities dossiers as of January 2026, giving the company a meaningful data position in a narrow but regulated French market niche. Utocat has raised approximately €4.1 million across two disclosed 2023 rounds (€1.8M in January, €2.3M in December) with strategic participation from BNP Paribas, Bpifrance, CIC Ouest, and Super Capital VC. Capital is being deployed for international expansion into Belgium and Luxembourg and for product development, including a May 2024 partnership with SLIB to integrate Catalizr with SLIB's Registracess platform for end-to-end securities processing. FY2023 revenue was €763,000, reflecting an early commercial scale relative to the strategic significance of its client logos.

Name

Utocat

Legal name

Utocat S.A.S

Website

https://utocat.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Utocat is a Lille-based fintech that provides Catalizr, a blockchain-based front-to-back platform used by French financial institutions to digitize and automate the lifecycle of unlisted securities held in PEA, PEA-PME, PER and CTO accounts, serving major banking groups including BNP Paribas, Crédit Agricole, Crédit Mutuel and AXA.

Ownership category

akta.pro rank

Product category

Wealth Management Software

NAICS

Software Publishers (5132), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

Tokenization Platforms (RWA, Securities, Funds) (FSAGAMAA)

akta.pro secondary industries

Permissioned Blockchain Platforms & Frameworks (Hyperledger, Corda, Quorum) (FSAPAIAA), Settlement, Clearing & Reconciliation for Tokenized Assets (DvP, PvP, netting, post-trade) (FSAPAIAI)

Keywords

• Unlisted securities management
• Blockchain finance software
• Securities lifecycle automation
• Wealth management platform
• Private investment compliance

Headquarters

HQ city

Lille

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, Operations, Infrastructure

Revenue model

1. Software Licensing - Catalizr: B2B software licensing model providing financial institutions access to the Catalizr platform for managing unlisted securities operations. Revenue generated through software subscriptions and potentially per-transaction fees based on the volume of dossiers processed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Utocat provides Catalizr, a front-to-back software platform that digitizes and automates the lifecycle of unlisted securities (non-listed equities) held in French PEA, PEA-PME, PER and CTO accounts, replacing weeks-long paper-based banking processes with a 2-3 day digital workflow that includes electronic signature, automated document generation and real-time operational tracking. Its secondary offering Blockchainiz is an API platform exposing blockchain connectivity and smart contract deployment for developers.

Product overview

Utocat offers two core software products: Catalizr and Blockchainiz. Catalizr is a comprehensive platform for digitizing non-listed securities investments (actions non cotées) across PEA, PEA-PME, PER, and CTO accounts. It serves financial institutions (banks, insurers, asset managers) through specialized modules for wealth advisors, securities back office, private banking, and savings departments. The platform handles the complete investment lifecycle including client onboarding, document generation, electronic signatures, compliance verification, and operational tracking. Blockchainiz provides API access to blockchain networks and smart contract platforms. The two products share underlying technology foundations (Blockchain, RPA, AI) but serve distinct market needs.

Differentiator

Problem solved

Functional benefit

Brands

• Catalizr: A key-in-hand management solution for non-listed securities, enabling financial institutions to process investments in PEA, PEA-PME, CTO, and PER accounts digitally.
• Blockchainiz

Products and services

• Catalizr Front-to-back software platform that digitizes and automates the lifecycle of unlisted securities (actions non cotées) held in French PEA, PEA-PME, PER and CTO accounts for banks, insurers and asset managers. The platform handles client onboarding, engagement letter generation, electronic signatures, document exchange, compliance verification, and operational tracking via a real-time dashboard, reducing processing time from weeks to 2-3 days on average and saving 78% of administrative time per dossier.
• Blockchainiz API platform providing simplified access to multiple blockchain networks and smart contract deployment, designed to help developers start blockchain projects without specialized blockchain expertise. Offers complete API documentation, personalized support, and multi-blockchain compatibility.

Quantifiable outcome

• 78% time savings per investment file
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature2 records

Partnerships

One partnership is on record.

• SLIBcoreTechnology or Integration · 14 May 2024SLIB, a software provider for banking and capital markets sectors, partnered with Utocat to accelerate digitalization of unlisted securities processing. The partnership aims to create an integrated journey between Registracess (SLIB's secure platform for securities movement orders) and Catalizr (Utocat's front-to-back solution for unlisted securities operations). The collaboration seeks to streamline, standardize, and secure exchanges between investors, banks, and companies. The partnership aims to complete operations in 1-2 business days, improving productivity in back-office operations.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SLIB: French software vendor providing solutions for securities movement orders and post-trade operations for banks and asset managers. Directly comparable because SLIB's Registracess platform handles the upstream securities-movement workflow that Catalizr's front-to-back solution plugs into, and Utocat formally partnered with SLIB in May 2024.

Broad incumbents

• Temenos: Global banking software platform serving retail, corporate, and wealth-management banks with core and digital banking suites. Comparable as a broad incumbent alternative that large French banks could evaluate instead of, or alongside, point solutions like Catalizr.
• Avaloq: Wealth-management software platform used by private banks across Europe (acquired by NTT Data). Comparable as a broad wealth-tech suite that competes for the same private-banking technology budgets as Catalizr, particularly inside the French banking groups.
• Backbase: Digital banking and engagement platform for retail and private banks across Europe. Comparable as an incumbent digital-banking vendor addressing the same private-bank and wealth-management clients that Utocat serves with its Catalizr front-to-back solution.
• Mambu: Cloud-native core banking platform serving challenger and incumbent banks in Europe. Comparable as a broader banking-platform incumbent competing for the digitalization budget at European banks that Utocat also targets.

Regional players

• Lemonway: French-regulated fintech providing payment and regulatory infrastructure for marketplaces, crowdfunding platforms, and fintechs. Comparable as a French-headquartered B2B fintech serving financial institutions and regulated platforms, operating in a similar size range and customer segment to Utocat.
• Yomoni: French robo-advisor and wealth-tech platform serving retail investors with PEA, assurance-vie, and CTO products. Comparable because it operates in the same French retail-wealth ecosystem (PEA/CTO) that drives transaction volume through Catalizr, even though it is a direct-to-consumer business.
• Indy: French fintech offering automated accounting, tax, and regulatory compliance tools for SMBs and freelancers. Comparable as a French-headquartered B2B SaaS fintech of similar scale that has demonstrated category-creation and enterprise-channel expansion in regulated workflows.

Emerging players

• Swile: French employee-benefits and payments fintech that scaled from French origins into a broader European player. Comparable as a French B2B SaaS fintech trajectory reference: started niche, expanded domestically with enterprise clients, then internationalized — a potential roadmap analogue for Utocat.
• Tink: European open-banking and financial-data infrastructure platform (Visa-owned) connecting banks, fintechs, and merchants. Comparable as a European fintech infrastructure layer that competes for the same 'plumbing inside banks' category as Catalizr, albeit focused on data connectivity rather than securities operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/utocat
• Xx.com/utocat
• Facebookfacebook.com/utocat

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors6 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 Utocat