Monetivia

What Monetivia does

Monetivia is a French real-estate services firm (SAS MONETIVIA, SIRET 812 572 170, founded 2015/2016) that intermediates bare-ownership (nue-propriété) transactions in the existing/old real-estate market, primarily between senior property owners seeking to monetize their assets and individual or institutional investors. The company is headquartered in Paris and operates a national network of six-to-seven regional offices (Paris/Île-de-France, Lyon, Cannes, Marseille, Bordeaux, Rennes) serving a long tail of individual sellers and investors, plus B2B partner programmes for wealth-management advisers (CGP) and notaries.

Its core product is the Contrat Monetivia, a bare-ownership sale in which the price is adjusted ex-post according to the actual duration of occupation, with an Allianz Vie-underwritten deferred-rent insurance policy removing the aléa viager (life-expectancy risk) for both parties. The offering is structured around three underlying dismemberment formats—bare ownership with temporary usufruct (10, 15, or 20 years), bare ownership with lifetime usufruct, and the adjusted-price Contrat Monetivia—plus advisory services (L'expertise Monetivia), a public property listings catalogue, an expatriate-targeted offering, and an editorial / webinar funnel for investor education. Operationally, Monetivia's transaction templates are natively integrated into Septeo / GENapi, the dominant French notarial deed-drafting software.

Monetivia monetizes each mediated transaction through commissions on the property value transacted, alongside ancillary B2B fees from the CGP partner channel. The firm holds both a Carte de transactions sur immeubles et fonds de commerce (CPI 7501 2016 000 011 039) and ORIAS insurance-broker registration (n° 16001731), giving it the regulated status required to act as both a real estate intermediary and an insurance broker. Co-founders Amaury de Calonne (President) and Thomas Abinal (CEO) retain operational control following a €2.5M capital opening to investment fund Initiative & Finance in 2022. Cumulative disclosed gross transaction volume stands at €250 million across more than 300 bare-ownership sales.

Name

Monetivia

Legal name

SAS MONETIVIA

Website

https://monetivia.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Monetivia is a French real-estate services firm that intermediates bare-ownership (nue-propriété) transactions between senior property owners seeking to monetize their assets and individual or institutional investors, offering the Allianz-underwritten Contrat Monetivia and advisory services through a national regional-office network and B2B partner programmes.

Ownership category

akta.pro rank

Product category

Real Estate Bare-Ownership Services

NAICS

Title Abstract and Settlement Offices (541191), Offices of Notaries (541120)

SIC

Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Notary & Signing Agent Services (Remote/Onsite) (BPAJAOAF)

Keywords

• Bare-ownership real estate
• Property dismemberment services
• Real estate transaction intermediation
• Nue-propriété investment advisory
• Senior real estate monetization

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Core offering

Monetivia intermediates bare-ownership (nue-propriété) real estate transactions in the French "ancien" (existing) property market. It helps senior property owners monetize their homes (via temporary or lifetime usufruct dismemberment) and helps investors acquire bare-ownership interests at a discount. Its signature solution, the Contrat Monetivia, is a bare-ownership sale with an Allianz-underwritten deferred-rent insurance that adjusts price to the actual duration of occupation. The offering is delivered through six regional offices and supported by advisory, notary and wealth-management-adviser partner programmes.

Product overview

Monetivia is a French real-estate services firm whose offering is structured as a core proprietary solution (the Contrat Monetivia) complemented by a family of bare-ownership (nue-propriété) modules and advisory services for three audiences: sellers (Département Vendeurs), investors (Département Investisseurs), and notaries (Pôle / Département Notaires, including clauses pre-integrated into Septeo / GENapi). The product line comprises the signature Contrat Monetivia (an adjusted-price bare-ownership sale with Allianz insurance), two underlying dismemberment formats (La nue-propriété avec usufruit temporaire and La nue-propriété avec usufruit à vie), the consolidated entry point La nue-propriété par Monetivia, the advisory service L'expertise Monetivia, a listings marketplace (Nos biens à vendre), a partner-only investment opportunities feed (Offres partenaires) for wealth-management advisers, a notary partner programme, an expatriate-targeted offering, an investor webinar programme, and the editorial Monetivia Blog. All of these products are delivered through a six-office regional network (Paris, Lyon, Cannes, Marseille, Rennes, Bordeaux) plus a notarial execution path.

Differentiator

Problem solved

Functional benefit

Brands

• Contrat Monetivia: Proprietary in-house solution (contract) for the sale of bare ownership (nue-propriété) in old real estate, developed with notaries and the insurer Allianz, designed to free buyers and sellers from the aléa viager (life-expectancy risk) and adjust price to actual occupation duration.

Products and services

• Contrat Monetivia Monetivia's flagship offering: a sale in bare ownership at an adjusted price that removes the longevity/life-annuity risk borne by the seller and the investor. The price is adjusted ex-post according to the actual duration of occupation, with an Allianz Vie-underwritten deferred-rent insurance (RCS Nanterre 340 234 962) protecting both parties. Designed for senior property owners selling in the 'ancien' (existing) real estate market and for investors acquiring bare-ownership interests.
• La nue-propriété avec usufruit temporaire Disinvestment solution in bare ownership coupled with a temporary usufruct (typically 10, 15 or 20 years). The investor acquires the walls (bare ownership) at a discount of 30–50% and recovers full ownership when the temporary usufruct ends. Designed for senior sellers who want to free up their property after a fixed period and for investors seeking a fixed-horizon, hands-off real-estate exposure.
• La nue-propriété avec usufruit à vie Disinvestment solution in bare ownership coupled with a lifetime usufruct. The seller keeps the right to live in or rent the property for life, while receiving 100% of the price up front. Designed for senior owners who want to remain in their home (or keep rental income) for life while releasing full capital today, and for investors acquiring the underlying bare-ownership interest.
• L'expertise Monetivia Real-estate engineering and advisory service for both sellers and investors, including independent valuation of the property, recommendation of the most appropriate bare-ownership format (temporary usufruct, lifetime usufruct, or Contrat Monetivia), sourcing of counterparties, and support through the notarial process.
• Nos biens à vendre (Investment opportunities catalogue) Curated catalogue of bare-ownership investment properties available across France (Paris, Bordeaux, Lyon, Marseille, Nantes, Nice, Rennes, Montpellier, Ile-de-France, Cap Ferret, Ile de Ré, La Baule, Cannes, etc.), with price, discount, duration and location filters. Presented to individual investors and to Monetivia's CGP partner network.
• Offres partenaires (Partner investment opportunities) Real-time catalogue of bare-ownership investment opportunities reserved for wealth-management advisers (Conseillers en Gestion de Patrimoine, CGP) partnered with Monetivia under a business-introduction agreement, providing read-only access to a continuously updated set of transactable bare-ownership opportunities.
• Notary partner programme (Département Notaires) Dedicated B2B programme that supports notary practices advising clients on bare-ownership sales and property dismemberment, with bespoke clauses integrated into Septeo/GENapi and presence at the annual Congrès des notaires de France. Provides notaries with the legal and operational tooling to insert Monetivia's bare-ownership clauses into notarial acts.
• Département Vendeurs (Sellers department) Dedicated advisory desk that helps senior property owners monetise their real estate through the right bare-ownership format, finds a buyer, advises on offers received, and accompanies the seller through the notarial process. Reached via the seller contact form and a dedicated phone line (01 86 95 74 24).
• Département Investisseurs (Investors department) Dedicated advisory desk for investors that provides independent valuation, supports preparation of purchase offers, arranges financing, and accompanies the investor through the notarial process. Reached via the investor contact form, email [email protected] and a dedicated phone line (01 86 95 32 32).
• Expatrié investment offering (expatriate / non-resident French) Dedicated offering for expatriate and non-resident French investors who want to build French real-estate assets remotely, leveraging the hands-off, no-rental-management nature of bare-ownership investment.

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Viager Group: France's leading specialist in viager and bare-ownership (nue-propriété) transactions, intermediating lifetime-usufruct and bare-ownership sales for seniors and investors. Most direct functional competitor to Monetivia, operating in the same dismemberment-of-property niche across France.
• Cerenicimo: French real-estate services group focused on investment properties, with a dedicated nue-propriété offering and a national footprint of partner agencies. Directly comparable to Monetivia in intermediating bare-ownership transactions and serving both senior sellers and yield-seeking investors.
• Patrimoine & Nue-Propriété (Groupe Patrimoine & Associés): French wealth-management firm dedicated to nue-propriété investment advisory, marketing bare-ownership opportunities to private investors. A direct competitor targeting the same investor audience with comparable bare-ownership products and distribution via CGP networks.

Broad incumbents

• Nexity: One of France's largest integrated real-estate developers and service providers, offering investment-property products that include demembrement / nue-propriété. A broad incumbent that could easily scale a competing bare-ownership offering using its existing customer base.
• Orpi: France's largest real-estate agency network, with thousands of partner agencies offering resale, rental and some investment-property services. A broad incumbent whose scale and brand could allow it to enter or expand in bare-ownership intermediation.
• Laforêt: Major French real-estate franchise network providing transaction, rental-management and investment-property services. Comparable as a broad incumbent with the customer reach and brand recognition to mount a nue-propriété offer alongside Monetivia.
• Century 21 France: Leading real-estate franchise in France with hundreds of agencies handling residential sales, rentals and investment products. Broad incumbent with comparable brokerage and intermediation infrastructure that could expand into demembrement.

Emerging players

• Optimind / Optimind Patrimoine: French wealth-management adviser (CGP) specialising in real-estate-backed investment strategies, including nue-propriété and demembrement products for individual investors. Comparable as an emerging distributor of bare-ownership investment opportunities that overlaps with Monetivia's investor department.

Others

• Allianz Vie: French life-insurance arm of the Allianz Group, counterparty underwriting the deferred-rent insurance embedded in the Contrat Monetivia (RCS Nanterre 340 234 962). Not a competitor but a strategic partner whose product enables Monetivia's core offering.
• Septeo: Leading French software vendor for notarial practices (GENapi) in which Monetivia's bare-ownership clauses are natively integrated. Technology infrastructure partner rather than a competitor — an enabling ecosystem participant that distributes Monetivia's contract to the French notariat.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCtTgByMyE5hZBSJdYqJ8jYw
• Facebookfr-fr.facebook.com/Monetivia
• LinkedInfr.linkedin.com/company/monetivia
• Instagraminstagram.com/monetivia/?hl=fr
• Xx.com/Monetivia

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

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 Monetivia