Mieuxplacer.com

What Mieuxplacer.com does

Mieuxplacer.com, operating under the legal entity Robin'Finance, is a France-based digital wealth advisory platform founded in 2016 by Guillaume-Olivier Doré and headquartered in Bordeaux, with a Paris office opened in 2023. The platform serves individual French investors seeking to allocate savings across insurance wrappers, SCPI, PER pensions, and other retail investment vehicles without paying traditional advisory fees. Its core technology is the Lucy recommendation engine, which analyzes more than 500,000 combinations of investor profile and contract allocation in under 10 seconds, drawing on continuous real-time performance monitoring of a catalog spanning 150+ contracts from 60+ providers including SwissLife, BNP Cardif, Spirica, and Primonial. Regulatory standing is anchored in CIF registration with the Autorité des Marchés Financiers, ORIAS intermediation registration (N° 23003266), and ACPR oversight for insurance distribution.

The business model is intermediary-driven and commission-based: the advice service is free to end-users, with revenue generated through retro-commissions from providers on contracts selected via the platform. Disclosed commission levels average approximately 1.32% on insurance products and 4.69% on SCPI. Post-2023 acquisition by Easy Capital, the offering broadened into physical real estate and professional services, and the launch of Elwin extended the technology stack to B2B partners. As of 2023 the company had approximately 20 employees after a doubling of headcount during the year, and cumulative Bpifrance funding across 2017 and 2018 rounds totaled roughly $6.4M before the Easy Capital transaction.

Name

Mieuxplacer.com

Legal name

Robin'Finance

Website

https://mieuxplacer.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Mieuxplacer.com is a France-based, AMF-regulated digital wealth advisory platform that uses its proprietary Lucy AI engine to match individual savers with investment contracts from 60+ providers across 150+ products, free of charge to end-users.

Ownership category

akta.pro rank

Product category

Digital Wealth Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

akta.pro secondary industries

Savings Automation & Goal-Based Savings (FSAGADAC), Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

Keywords

• Savings advisory
• Wealth management
• Life insurance
• Financial product comparison
• AI recommendation engine

Headquarters

HQ city

Bordeaux

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission on Entry Fees: Receives retrocessions from partner financial product providers on entry/subscription fees charged to customers when they subscribe to savings contracts.
2. Commission on Management Fees: Receives ongoing commissions from partner providers based on assets under management (encours). Commission rates vary by product type (e.g., 1.32% average on insurance/包, 4.69% on SCPI).
3. Client Advisory Services: Free financial advice provided to customers. Revenue generated solely through commissions from product providers - no additional fees charged to clients. Company negotiates reduced fees with partners while reducing its own commission share to benefit customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Mieuxplacer.com is a digital wealth advisory platform that uses an AI recommendation engine (Lucy) to match French individual savers with savings and investment contracts from a curated panel of 60+ partner providers and 150+ contracts. The service is free for consumers, who complete an online questionnaire, receive personalized recommendations, and can subscribe to recommended products (life insurance, SCPI, tax-optimization products, retirement plans). The firm also operates Elwin, a B2B platform offering white-label digital tools to financial professionals.

Product overview

Mieuxplacer.com is a digital wealth management advisor that operates as a marketplace and advisory platform for savings and investment products. The core offering is its AI-powered recommendation platform centered on 'Lucy,' which analyzes over 500,000 combinations to deliver personalized savings placement recommendations. The platform distributes a broad product portfolio spanning life insurance (assurance vie multisupport), SCPI real estate funds, tax optimization products (FCPI, FIP, Sofica, Girardin), and retirement savings plans (PER), sourced from over 60 partner providers and 150+ contracts. The company also operates Elwin, a B2B digital platform for financial professionals. Advice is free; the business model is commission-based on subscriptions. In 2023, Easy Capital expanded the platform to include physical real estate and professional services.

Differentiator

Problem solved

Functional benefit

Brands

• Elwin: B2B platform for wealth management professionals, CGP (Conseillers en Gestion de Patrimoine), and asset managers to digitalize their activities.

Products and services

• Mieuxplacer.com Core Advisory Platform Digital wealth advisory platform for French individual savers that uses an AI recommendation engine to compare 150+ savings and investment contracts from 60+ providers and deliver personalized recommendations. Free to consumers; revenue earned via commissions from partner providers when users subscribe to recommended contracts.
• Elwin (B2B Platform for Financial Professionals) B2B digital platform that provides wealth management advisors (CGP), asset managers, and insurance brokers with white-label digital tools and AI-driven recommendation capabilities to serve their own end clients.
• Free Online Savings Simulation / Questionnaire Free 5-minute online questionnaire that determines a user's saver profile (Epargnant) and delivers a personalized savings recommendation in real time. No commitment required; available 24/7.
• Assurance Vie (Life Insurance) Advisory & Subscription Advisory and subscription service for multi-support life insurance contracts (euro funds + units of account), comparing and recommending contracts from 50+ partner insurers with negotiated entry and management fees.
• SCPI (Real Estate Investment Trusts) Advisory Advisory service for SCPI (Sociétés Civiles de Placement Immobilier) — real estate mutual funds enabling access to rental real estate with relatively low entry tickets and regular dividend income. Products can be integrated within life insurance contracts for tax efficiency.
• Tax Optimization (Défiscalisation) Advisory Advisory service for tax optimization investment products including FCPI (Innovation Investment Funds), FIP (Regional Investment Funds), Sofica (Film Investment), and Girardin (Overseas Investment), targeted at high-tax-bracket investors.
• Retirement Savings (PER / PERP) Advisory Advisory service for retirement savings plans including PER (Plan d'Épargne Retraite) and PERP, positioned for retirement preparation and complementary income strategies for clients nearing or in retirement.

Quantifiable outcome

• Analyze 500,000+ combinations in less than 10 seconds
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature1 record

Partnerships

16 partnerships are on record, tiered core and minor.

• Easy CapitalcoreStrategic or Co-development Partner · 1 January 2023Easy Capital (patrimony management company since 2008) acquired the website and brand in 2023 to expand service offerings to include physical real estate and professional services (prevoyance, mutuelle, pro savings).
• SwissLifecoreOthersFinancial partner distributing life insurance and savings products through the platform. Listed as key financial partner alongside other major insurers.
• Spirica (Groupe Crédit Agricole)coreOthersInsurance subsidiary of Crédit Agricole distributing life insurance products. Featured as key partner for insurance vie offerings.
• BNP Cardif (BNP Paribas)coreOthersInsurance arm of BNP Paribas distributing life insurance and protection products through the platform.
• PrimonialcoreOthersAsset management company providing SCPI, SCI, and other real estate investment products. Listed as key partner in financial and real estate categories.
• La FrançaiseminorOthersReal estate investment company providing SCPI products for the platform.
• VoisinminorOthersReal estate management company providing investment products through the platform.
• Foncia Pierre GestionminorOthersReal estate management company included in platform's partner network.
• SodifyminorOthersReal estate investment platform partner for the platform.
• ACG ManagementminorOthersDefiscalisation product provider specializing in FIP/FCPI investments.
• AltominorOthersDefiscalisation investment provider for the platform.
• NextStageminorOthersInvestment firm providing tax optimization products.
• ExtandamminorOthersDefiscalisation provider for real estate investments.
• Vatel CapitalminorOthersAsset manager providing FIP and other tax optimization investments.
• InterInvestminorOthersTax optimization investment provider for the platform.
• ElwincoreChannel Partner/ Reseller/ DistributorB2B subsidiary serving financial professionals (CGP, asset managers, brokers) with digital tools and white-label AI technology for client services. Elwin distributes the platform's technology to professional advisors.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Ramify: French digital wealth management platform offering personalized investment solutions including life insurance and asset management. Overlaps on hybrid digital + advisor model for retail wealth clients.
• Nalo: French robo-advisor focused on life insurance and savings allocation for individuals. Directly comparable digital-first advisor with automated portfolio construction for French savers.
• Yomoni: One of France's leading robo-advisors, providing automated life insurance and savings management. Competes head-to-head on AI-driven, fee-transparent advisory for French retail savers.
• Fundshop: French fintech aggregating and comparing savings/investment products for retail savers. Similar marketplace-adjacent model with comparison-driven advisory on French contracts.
• WeSave: French FinTech offering aggregated savings and life insurance products online. Directly comparable hybrid digital platform distributing partner insurance and savings products.

Emerging players

• Scalable Capital: European robo-advisor and broker regulated in Germany and expanding across EU. Peer in digital wealth management with comparable automated portfolio technology for retail clients.
• Trade Republic: European mobile-first broker offering commission-free trading and savings. Emerging player pulling French retail savers into direct execution, partially disintermediating advisor models like Mieuxplacer.

Others

• Linxo: French personal finance / account aggregation platform (now part of Crédit Agricole). Adjacent aggregation technology feeding bank customers; data and PFM capabilities relevant for personal financial advice automation.

Broad incumbents

• Fortuneo: Major French online bank and broker offering life insurance, SCPI, and savings products. Indirect incumbent competitor on product breadth and customer acquisition scale.
• Boursorama Banque: France's largest online bank and brokerage (Société Générale group) offering bank accounts, life insurance, and trading. Incumbent distribution channel for many of the same insurance products Mieuxplacer distributes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/mieux_placer
• Facebookfacebook.com/Mieuxplacer
• LinkedInlinkedin.com/company/11269076

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 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 Mieuxplacer.com