What Goin does

Goin is a Barcelona-based consumer fintech, founded in 2017 and operated by Prakma Innovation S.L. (a Spanish subsidiary of the US parent Prakma Solutions Inc.), that unifies automated savings, cryptocurrency investing, cashback rewards, and yield generation into a single mobile-first platform serving more than 712,000 users across multiple European markets. The product is delivered through freemium iOS and Android apps and a Chrome browser extension, with PSD2-compliant read-only bank connectivity enabling automatic round-up savings, recurring contributions, income-percentage retention, and automatic cashback detection tied to bank-card transactions.

The platform's technical stack combines PSD2 bank integration, third-party crypto liquidity and custody through Bitstamp and Bit2Me, regulated payment infrastructure via Prisma Payments and Easy Payments and Finance, and proprietary rule-based automation that triggers savings, cashback, and crypto purchases based on user-defined rules. Goin Earn adds staking and lending yield products through Bitstamp Earn partnerships. The operating entity is registered with the Bank of Spain as a virtual currency exchange provider (code D839), holds PSD2 compliance, and has implemented MiCA-aligned disclosures for crypto services.

Revenue is generated through multiple streams: a 0.5% spread plus 1.5% commission on crypto buy/sell orders, affiliate commissions from 1,000+ merchant partners for cashback and discounted gift cards, subscription fees for the Goin Pro premium tier, and ancillary fees including 0.60% on free-tier card contributions and up to €3/month inactivity fees. Go-to-market is product-led through app store optimization, QR-code-driven downloads, Chrome extension distribution, a viral referral program paying €6 per activated pair (capped at €100), and organic social media presence on Instagram (150K+) and TikTok (27K+). Goin has cumulatively raised approximately $15.6M across eight funding rounds from investors including Anthemis, FJ Labs, TheVentureCity, Encomenda, K Fund, and Atresmedia, while maintaining an unusually lean team of 1-10 employees.

Name

Goin

Legal name

Prakma Innovation, S.L.

Website

https://goin.app

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Goin is a Barcelona-based consumer fintech that unifies automated savings, crypto investing, cashback rewards, and yield generation in a single mobile app serving 712,000+ European retail users via PSD2 bank connectivity and affiliate merchant partnerships.

Ownership category

akta.pro rank

Product category

Consumer Personal Finance / Mobile Fintech

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Commodity Contracts Brokers & Dealers (6221)

akta.pro primary industry

Brokerages & On/Off-Ramps (fiat rails, instant buy/sell) (FSAPADAG)

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)

Keywords

• Automated savings app
• Crypto investing platform
• Cashback rewards platform
• Personal finance management
• PSD2 bank integration

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Crypto Trading Spread and Commission: Goin earns a 0.5% spread on crypto buy/sell orders executed through its trading platform (Bitstamp/Bit2Me), plus additional commissions on crypto transactions. Crypto operations have minimum amounts of 15€ for purchases and 11€ for sales with 1.5% commission per transaction.
2. Goin Pro Subscription: Premium subscription plan offering unlimited savings goals, unlimited savings methods, method personalization, unlimited free SEPA transfers, no commission on card purchases up to 2,000€, priority customer support, and non-expiring rewards. Billed monthly (31 days) or annually (372 days).
3. Cashback and Affiliate Commissions: Goin earns commissions from partner merchants when users make purchases through the platform. This includes cashback by link (click-through from app), automatic cashback (detected via synced bank card), and discounted gift card purchases. Revenue comes from negotiated affiliate agreements with 1000+ brand partners.
4. Inactivity Fees: Accounts inactive for 3+ months on the free plan are charged up to 3€ per month maximum inactivity fee.
5. Card Top-up and Transfer Fees: Free plan users pay 0.60% commission on card-based contributions (savings methods, manual contributions). Free plan includes one free SEPA transfer per month; additional transfers have visible commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Goin is a mobile-first consumer fintech platform that unifies automated savings, cryptocurrency investing, and cashback rewards in a single app for European users. It connects to any European bank via PSD2 for read-only transaction data, automatically rounds up purchases to save the difference, lets users invest in 50+ cryptocurrencies through integrated partners Bitstamp and Bit2Me, and awards cashback at 1,000+ merchant brands. The Goin Chrome Extension layers proactive cashback and coupon detection onto online shopping, and a paid Goin Pro subscription unlocks unlimited goals, free SEPA transfers, and priority support.

Product overview

Goin is a Spanish fintech platform offering a unified personal finance ecosystem comprising a mobile app with automatic savings features (rounding, scheduled contributions, income percentage saving), cryptocurrency trading (50+ assets via Bitstamp/Bit2Me), Goin Earn yield products (staking/lending), and a rewards marketplace (automatic cashback, discounted gift cards, referral bonuses). The platform connects to European banks via PSD2 for read-only data access. Goin Pro is the premium subscription tier adding unlimited features. The Goin Chrome Extension provides browser-based cashback detection for 1,000+ e-commerce partners. The ecosystem is operated by Prakma Innovation SL, regulated by the Bank of Spain, with payment services provided by Prisma Payments.

Differentiator

Problem solved

Functional benefit

Brands

• Goin Pro: Premium subscription plan offering unlimited savings goals, unlimited savings methods, personalization options, priority customer support, no inactivity fees, and extended referral rewards with no expiration.

Products and services

• Goin App Core mobile application serving 712,000+ European users; connects to any European bank via PSD2 for automated round-up savings, recurring contributions, percentage-of-income saving, cashback at 1,000+ merchants, social savings goals, peer-to-peer transfers, and goal-based budgeting.
• Goin Chrome Extension Standalone browser extension distributed via the Chrome Web Store that detects cashback offers, discount gift cards, and coupons at 1,000+ partner e-commerce brands (including Zalando, AliExpress, Bershka, Nike, Zara, Uber Eats, Carrefour, Lidl) and proactively alerts users during online shopping.
• Cryptocurrency Trading Service enabling the purchase and sale of 50+ cryptocurrencies including Bitcoin, Ethereum, Cardano, Polygon, and Avalanche through integrated trading partners Bitstamp (CSSF-licensed) and Bit2Me (Bank of Spain registered, D592), accessible in two clicks from the app with a €15 minimum purchase and €11 minimum sale.
• Goin Earn Yield-generation service allowing users to earn rewards on crypto assets through staking (Proof-of-Stake network participation) and lending (asset lending to institutional borrowers via regulated Bitstamp lending partners), with custody handled through Bitstamp as the underlying provider.
• Discounted Gift Cards In-app marketplace feature offering digital gift cards for hundreds of brands at discounted prices, with instant delivery of redemption codes for direct purchase inside the Goin app.

Quantifiable outcome

• Users have saved over €400M through the platform
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• Bitstamp Europe S.A.coreTechnology or IntegrationPrimary crypto trading platform and custody provider. Bitstamp executes buy/sell orders for crypto assets and provides omnibus wallet custody. Licensed by Luxembourg CSSF (license N00000003, Z00000012). Handles the technical execution of crypto trading and asset custody for Goin users.
• Bit2Me (Bitcoinforme, S.L.)coreTechnology or IntegrationSecondary crypto trading platform provider. Registered with Bank of Spain as virtual currency exchange provider (D592). Assigned certain cryptocurrencies for trading and custody based on market availability and operational security criteria.
• Prisma Payments EP SAcoreTechnology or IntegrationPayment services provider handling all fund transfers and payment services. Regulated by Bank of Spain and registered as payment institution (number 6849). Provides SEPA transfers, card processing, and other payment functionality for Goin.
• Easy Payments and Finance E.P.S.A.coreTechnology or IntegrationRegulated payment entity registered with Bank of Spain (code 6849) where user funds are held. Provides the regulated banking infrastructure for storing user money.
• Bitstamp Earn (Lending Partners)coreTechnology or IntegrationFor Goin Earn lending services, Bitstamp collaborates with external regulated lending partners who perform portfolio management, risk analysis, and borrower selection. Users' crypto assets may be lent to institutional borrowers through these partners.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Revolut: London-based super-app with 40M+ users offering banking, crypto trading, savings, and cashback. Comparable to Goin across all three core value propositions (savings, crypto, rewards) but operates at vastly larger scale with a full banking license and broader geographic footprint.
• Bunq: Dutch neobank offering automated savings, multi-currency accounts, and investment features across Europe. Comparable to Goin in savings automation and European consumer focus, but operates as a licensed bank with broader product scope.
• Trade Republic: Germany-based mobile broker offering savings plans, ETF investing, and crypto trading across Europe. Comparable to Goin's automated savings and crypto investing products, but with a heavier emphasis on brokerage and lower cashback/rewards integration.
• Curve: UK all-in-one payment card consolidating multiple cards with cashback rewards and crypto features. Comparable to Goin's cashback rewards and consumer fintech positioning, though card-centric versus Goin's bank-integration approach.

Direct peers

• Plum: UK-based AI-powered money management app offering automated savings, investments, and cashback through PSD2 bank connectivity. Direct functional competitor to Goin's automated savings + cashback + investing proposition, targeting similar European consumers.
• Chip: UK automated savings app using PSD2 to round up transactions and make rule-based contributions. Closely comparable to Goin's automatic round-up savings and goal-based savings approach, though more focused on savings without the crypto/cashback breadth.
• Moneybox: UK round-up savings app that combines automatic savings with investment options (ISAs, pensions, crypto). Highly comparable to Goin's round-up + investment + crypto model, serving similar retail consumer segments in Europe.
• Moneyfarm: European (UK/Italy) digital wealth manager combining automated investing with savings features and human advisory. Overlaps with Goin's investment and savings proposition for European retail consumers, particularly in Italy where Goin also operates.

Regional players

• Acorns: US pioneer of round-up savings and micro-investing for retail consumers. Conceptually closest to Goin's automatic round-up savings model, though US-focused and without the European crypto/cashback integration.

Others

• Raisin: European savings marketplace aggregating deposit products from multiple banks. Adjacent to Goin's savings focus but operates as a broker/aggregator rather than a unified consumer app with crypto and cashback.

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/goinofficial/?hl=es
• TikToktiktok.com/@goinofficial
• Xx.com/goinofficial
• Facebookfacebook.com/officialgoin

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds8 records

Investors14 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 Goin