VUMI

What VUMI does

VUMI (legal entity VUMI PORTFOLIO S.L.) is a privately held B2B SaaS company founded in 2023 and headquartered in Gijón, Asturias, Spain, that provides real-time patrimonial consolidation software for Single Family Offices, family holdings, and Multi Family Offices. Its platform is purpose-built for high-net-worth structures with assets above €30M and complex corporate layers, replacing spreadsheet-based multi-custodian reconciliation with a single consolidated view of net worth, TWR return, liquidity, and asset distribution.

The platform is composed of modular capabilities — financial aggregation, portfolio analysis, private equity tracking, patrimonial-structure modeling, real estate consolidation, institutional reporting, and document management — connected via a proprietary aggregation engine called Finlink and PSD2 read-only banking access through NUEK (an AISP authorized by Banco de España). The company's Patrimonial Graph models complex legal topologies including SPVs, SICAVs, holdings, usufructs, and co-ownership to deliver look-through net worth per holder. Infrastructure is ISO 27001-certified, GDPR-compliant, and hosted in AWS Europe; the platform claims 225+ connected banks, brokers, and custodians and has consolidated more than €1,000M across 20,000+ investment accounts.

VUMI sells exclusively through a direct, consultative enterprise-sales motion targeting CFOs and family-office decision-makers in Spain and across Europe, with annual B2B subscriptions starting at €12,000 (no percentage of AUM and no contractual lock-in). Pricing scales with the complexity of the patrimonial structure, and onboarding is supported by a dedicated account manager. As of the available data, the only disclosed external financing is a €100,000 grant from the Sociedad Regional de Promoción (SRP) of the Government of Asturias in May 2024, earmarked for platform enhancements and the creation of 14 jobs. The company received the Premio a la Innovación en el Ámbito WealthTech from La Razón in February 2026 and operates a remote-first team distributed across Asturias and Madrid.

Name

VUMI

Legal name

VUMI PORTFOLIO S.L.

Website

https://vumi.io

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

VUMI is a B2B SaaS platform providing real-time patrimonial consolidation for Single Family Offices, family holdings, and Multi Family Offices, replacing manual Excel reconciliation with a proprietary aggregation API, PSD2 connectivity, and a Patrimonial Graph spanning 225+ custodians.

Ownership category

akta.pro rank

Headquarters

HQ city

Gijón

HQ country

Spain

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. SaaS Subscription — Annual B2B License: VUMI operates on an annual B2B SaaS subscription model. Pricing starts from €12,000/year for simple structures and scales upward based on the complexity of the client's patrimonial structure (number of families, legal entities, users, and asset classes). No percentage of AUM is charged. Contracts are annual and renewable with no lock-in or penalty for non-renewal. The subscription includes dedicated onboarding, continuous support, custodian integrations, data migration, and all platform updates.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

VUMI is a B2B SaaS platform that consolidates the entire patrimonial wealth of single family offices, family holdings, and multi-family offices in real time. It connects to 225+ banks, brokers, and custodians via its proprietary Finlink aggregation API and PSD2 open banking through NUEK, normalizing positions across all asset classes (financial portfolios, real estate, private equity, direct participations) and modeling complex corporate structures through a Patrimonial Graph to deliver look-through net worth and institutional PDF reporting.

Product overview

VUMI is a B2B SaaS patrimonial consolidation platform for Family Offices and Family Holdings. The unified platform consists of integrated modules: Financial Aggregation (connects to +225 banks/custodians via proprietary API), Portfolio Analysis (real-time dashboard with TWR returns and risk detection), Private Equity (NAV tracking for PE/VC investments), Patrimonial Structure (corporate graph with look-through calculations), Real Estate consolidation, Reporting (institutional PDF reports with custom branding), Document Management, and Security infrastructure. Priced as annual subscription from €12,000/year, with onboarding included and no AUM percentage fees.

Differentiator

Problem solved

Functional benefit

Products and services

• VUMI Platform B2B SaaS platform for patrimonial consolidation targeting Single Family Offices and Family Holdings with assets starting from €30M. Consolidates all asset classes (financial portfolios, real estate, private equity, direct participations) in real time through proprietary API connections to 225+ banks, brokers, and custodians, with institutional PDF reporting and look-through net worth calculation across complex corporate structures.

Quantifiable outcome

• Over €1,000M in assets consolidated on the platform
• +6 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Partnerships

One partnership is on record.

• NUEKcoreTechnology or IntegrationNUEK is an authorized Account Information Service Provider (AISP) under PSD2, supervised by the Banco de España. VUMI uses NUEK's infrastructure to connect to clients' current and savings accounts via certified banking APIs and OAuth2 protocols, enabling read-only access to consolidate liquidity alongside investment portfolios without sharing bank credentials.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Envestnet | Yodlee: Large incumbent financial data aggregation and analytics platform serving banks, lenders and fintechs. Comparable to VUMI at the data-aggregation layer, but as a broad infrastructure provider rather than a wealth-office-focused product.
• Plaid: Financial data connectivity platform linking bank accounts to applications globally. Comparable aggregation/integration capability to VUMI's Finlink, but at infrastructure scale and without a vertical wealth/patrimonial focus.
• Empower (Personal Capital): US wealth-management and aggregation platform combining dashboard consolidation with advisory services. Comparable to VUMI in offering consolidated multi-account views to HNW clients, though at retail/mass-affluent rather than family-office scale.

Emerging players

• Strands: Spanish-founded fintech known originally for AI-driven personalization in retail banking, now broader finance software. Comparable as a Spain-based fintech, though historically retail-banking focused rather than HNW wealth consolidation.

Others

• Wealth Dynamix: UK-based CRM and client lifecycle management platform for private wealth and family offices. Adjacent to VUMI in serving the same buyer (wealth/family office) with software that improves reporting and relationship visibility rather than direct aggregation.

Direct peers

• Addepar: US-based wealth management technology platform serving family offices, advisors and institutions with multi-custodian aggregation, reporting and analytics. Closest comparable to VUMI in target customer and core capability, but at vastly larger scale.
• Orion Advisor Solutions: Wealthtech platform providing portfolio accounting, performance reporting and CRM for advisors and family offices. Comparable to VUMI in serving sophisticated wealth managers needing consolidated reporting.
• Moneyinfo: UK-based client portal and reporting platform for wealth managers and family offices providing consolidated reporting across custodians. Direct comparison to VUMI's branded institutional reporting and multi-custodian consolidation features.
• Black Diamond (SS&C Advent): Portfolio accounting and reporting platform for RIAs and family offices under SS&C Advent. Comparable in offering consolidated multi-custodian reporting and branded client statements for wealth managers.
• Tink (Visa): European open-banking aggregation platform (now owned by Visa) connecting to thousands of banks across Europe via PSD2. Highly comparable to VUMI's PSD2 data-aggregation layer, but operating as a developer/API infrastructure rather than a vertically integrated wealth platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/vumio
• Xx.com/vumi_io

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 VUMI