What StreamMind does

StreamMind is a Paris-based, privately held deeptech software company founded in May 2008 that builds a proprietary platform securing every stage of data and payment flows for European financial institutions and large corporates. The company sells 18 modular software products organized into four solution areas: Payment (Moneyroad Digital Payment, Moneyroad RTP for SEPA Request-to-Pay, Moneyroad Instant Payments reducing validation from 24 hours to 10 seconds, and Moneyroad E-Invoice), Digital Identity (DealPrudence for Verification of Payee, plus the Lucy Suite covering Lucydiamond, Lucyphone, Lucyacross, and Lucysky), Secure Network (SEPAmail interbank IBAN verification processing nearly 400 million transactions across 239 banks and PSPs, and Netitbe next-generation IT network software), and a generic global marketplace platform (Marketinlife) with a separate cybersecurity (Safe) brand. The underlying technology combines off-the-shelf modules with proprietary architectural flexibility, claims 10,000+ TPS performance, and is delivered via 10-day on-premise or 5-day SaaS deployment.

StreamMind operates an enterprise field sales go-to-market targeting banks, insurers, payment service providers, and large corporates across Europe, with named customers including BNP Paribas, Barclays, Crédit Mutuel, Arkéa Banque EI, Santander Consumer France, Banque de France, AXA, CNP Assurances, American Express, Carrefour, Renault Group, TotalEnergies, Vinci, Bpifrance, Docaposte, and SEPAmail. The business model is subscription and licensing-based recurring software revenue, with EPC certification for SEPA Request-to-Pay (May 2024) and a strategic selection by the European Payments Council (March 2025) to operate the API Reference Toolbox (ART) platform for pan-European Verification of Payee ahead of the October 2025 regulatory deadline. The company is led by CEO Nicolas Muhadri, has approximately 30 employees, and is GDPR-compliant, with a 2025 EcoVadis Gold Medal reinforcing ESG credentials for institutional procurement.

Name

StreamMind

Legal name

STREAMMIND

Website

https://streammind.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

StreamMind is a Paris-based deeptech fintech software company providing payment processing, digital identity verification, and secure network solutions to European financial institutions, with EPC-certified SEPA Request-to-Pay and Verification of Payee platforms.

Ownership category

akta.pro rank

Product category

Fintech Software (Payment Processing and Digital Identity Verification)

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (5415), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Fintech software
• Payment processing
• Digital identity verification
• Request to pay
• Verification of payee

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing and Solutions: StreamMind generates revenue through licensing its proprietary deeptech software solutions to financial institutions. Solutions include Verification of Payee (DealPrudence), Request-to-Pay (Moneyroad RTP), digital payments, instant payments, e-invoicing, digital identity verification (Lucy Suite), secure IT networks (SEPAmail, Netitbe), and marketplace solutions. The company offers both on-premise and SaaS deployment models, with 10-day on-premise installation and 5-day SaaS deployment.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

StreamMind develops and licenses a proprietary deeptech fintech software platform comprising 18 modular solutions for financial institutions. The portfolio includes payment processing (Moneyroad RTP, Digital Payment, Instant Payments, E-Invoice), Verification of Payee (DealPrudence), digital identity verification (Lucy Suite: Lucydiamond, Lucyphone, Lucyacross, Lucysky), secure interbank network solutions (SEPAmail, Netitbe), and a marketplace platform (Marketinlife). Solutions are deployed either on-premise (10 days) or via SaaS (5 days), serving banks, insurance firms, payment service providers, and large corporations across Europe.

Product overview

StreamMind offers a unified software platform combining deeptech and fintech solutions with 18 modular software products covering payment processing, digital identity verification, secure networks, and cybersecurity. The portfolio is organized into four main solution areas: (1) Payment solutions under the Moneyroad brand including Digital Payment management, RTP (Request-to-Pay), Instant Payments, and E-Invoice processing; (2) Digital Identity products under the Lucy Suite including Dealprudence (VoP), Lucydiamond (bank verification), Lucyphone (phone verification), Lucyacross (contact verification), and Lucysky (corporate verification); (3) Secure Network solutions including Sepamail (IBAN verification on interbank network) and Netitbe (IT network software); and (4) Marketinlife marketplace platform. The architecture combines robust off-the-shelf modules with unique flexibility, supporting deployment in 10 days on-premise or 5 days in SaaS mode, with performance capability of 10,000 transactions per second.

Differentiator

Problem solved

Functional benefit

Brands

• Moneyroad: Payment solutions platform including RTP (Request to Pay), Digital Payment, Instant Payments, and E-Invoice products.
• DealPrudence
• Lucydiamond
• Lucyphone
• Lucyacross
• LucySky
• SEPAmail
• Netitbe
• Marketinlife
• Safe

Products and services

• Moneyroad Digital Payment Integrated management of digital payments enabling businesses to manage diverse digital payment methods through a unified ledger, connecting all sales channels (online and physical) with synchronized and secure data processing.
• Moneyroad RTP Request-to-Pay solution serving as the digital bridge between invoicing and payment worlds, EPC-certified for SEPA Request-to-Pay services, enabling streamlined collections and payment request management for PSPs and banks.
• Moneyroad Instant Payments Instant payment solution that reduces payment validation times from 24 hours to 10 seconds, enabling immediate fund availability and ultra-fast transaction execution with reduced transactional costs.
• Moneyroad E-Invoice Invoice processing software providing complete and immediate handling of paper, PDF, and electronic invoices with sophisticated data extraction mechanisms for precise billing information retrieval and seamless ERP integration.
• DealPrudence Verification of Payee (VoP) software solution enabling pre-verification of IBAN names before payment authorization, certified for SEPA instant payments, helping PSPs comply with regulatory requirements and reduce fraud risks.
• Lucydiamond Certified and automatic verification of international bank account details, providing secure identity verification for banking transactions to combat fraud.
• Lucyphone Phone-based identity verification and fraud prevention solution that controls and collects information through the phone channel, enabling real-time phone identity verification.
• Lucyacross Real-time verification of phone numbers, email addresses, and IP addresses using advanced AI and deep learning algorithms to assess the credibility of digital contacts globally.
• LucySky Corporate identity verification solution securing business identity through globally verified commercial data, enabling verification of corporate entity details for B2B transactions.
• SEPAmail Automatic IBAN verification solution for controlling supplier bank accounts, operating on the SEPAmail interbank network with nearly 400 million transactions processed and 239 connected banks and PSPs.
• Netitbe Next-generation IT network software system providing secure network infrastructure for enterprise environments with highly available and resilient network architecture.
• Marketinlife Global generic marketplace platform described as the first completely global and generic marketplace solution, enabling cross-sector commercial transactions.
• Lucy Suite Integrated suite combining Lucydiamond, Lucyphone, Lucyacross, and Lucysky for comprehensive digital identity verification across all sectors, leveraging AI and deep learning for real-time identity verification.

Quantifiable outcome

• Reduces payment validation times from 24 hours to 10 seconds with instant payments
• +4 more outcomes

Named customers23 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability6 records

Feature15 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• Orange BusinesscoreStrategic or Co-development Partner · 1 March 2026StreamMind participated in MWC Barcelona 2026 in partnership with Orange Business, showcasing the Lucy Suite at the France Pavilion, Hall 5, Stands 5B41, 5B61, demonstrating how their deeptech technology delivers real and reliable value across all business sectors.
• European Payments Council (EPC)flagshipStrategic or Co-development Partner · 1 March 2025EPC announced a strategic collaboration with StreamMind in March 2025 to launch the API Reference Toolbox (ART) platform dedicated to the Verification of Payee (VoP) system. Following a rigorous tender process approved by the EPC Board, StreamMind is responsible for providing and operating the ART platform and associated support services. This platform enables PSPs to comply with regulatory requirements for instant payments by providing pre-verification of IBAN names before payment authorization. The VoP system based on APIs is expected to be implemented by thousands of PSPs across Europe by the regulatory deadline of October 2025.
• European Payments Council (EPC)flagshipStrategic or Co-development Partner · 1 May 2024StreamMind was successfully homologated by the European Payments Council (EPC) for SEPA Request-to-Pay (SRTP) services with Moneyroad RTP technology. StreamMind is officially listed on EPC's referenced technical solution providers list, with the technology ready to be deployed for all PSPs and banks across Europe.
• BNP ParibascoreStrategic or Co-development PartnerBNP Paribas partnered with StreamMind to develop an advanced SEPA Request-to-Pay solution, offering a unique end-to-end solution for BNP Paribas corporate clients and revolutionizing the payment experience in the European market. Nicolas Muhadri, CEO of StreamMind, stated this partnership is a significant asset for strengthening BNP Paribas's leadership in deploying advanced SEPA Request-to-Pay services.

Scale indicators10 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• Onfido (Entrust): Onfido provides AI-driven digital identity verification (KYC, document and biometric checks) to financial institutions. It competes with StreamMind's Lucy Suite (Lucyphone, Lucydiamond, Lucyacross) in the identity-verification layer feeding payments and onboarding.
• Yodlee (Envestnet): Yodlee provides financial data aggregation and account-verification APIs to financial institutions and fintechs. It is an indirect comparable to StreamMind's Lucydiamond and VoP-style account-verification capabilities used by banks and PSPs.
• Token.io: Token.io is an open-banking payment network enabling A2A and instant payments via PSD2 connectivity, comparable to StreamMind's Moneyroad Instant Payments and VoP rails but focused on a differentiation around network routing rather than EPC certification.
• Signicat: Signicat is a European digital identity and eIDAS-compliant identity-verification provider serving banks and insurers. It overlaps with StreamMind's Lucy Suite identity-verification stack and DealPrudence in regulated European onboarding and payment flows.

Broad incumbents

• Worldline: Worldline is a Tier-1 European payment processor and merchant-acquirer offering SEPA RTP, instant payments, and digital identity services. It is a broader incumbent competitor to StreamMind's Moneyroad RTP and Lucy Suite across PSP-grade European accounts.
• Tink (Visa): Tink, now owned by Visa, is a leading European open-banking platform for account aggregation, PSD2 connectivity, and A2A payments. It overlaps with StreamMind's VoP/IBAN verification and Lucy Suite identity capabilities but at substantially broader scale through Visa's rails.
• Mastercard Track / Identity Insights: Mastercard Track and MasterCard's identity/payee data services compete directly with StreamMind's ART/VoP and identity offerings at global scale, leveraging card-network data and bank partnerships as a broad incumbent counterweight.

Direct peers

• SurePay: SurePay is a Dutch-headquartered Verification of Payee specialist serving European banks and PSPs. It is the closest direct competitor to StreamMind's DealPrudence VoP solution, both targeting the same SEPA-wide mandate and operating similar IBAN-name pre-verification services.
• Bottomline Technologies: Bottomline provides enterprise payment and treasury software to banks and corporates, including payee verification, fraud, and RTP offerings. It competes with StreamMind's Moneyroad and DealPrudence suites in mid-to-large European bank deployments.
• Trustly: Trustly operates an account-to-account payment network across Europe underpinning SEPA instant credit transfers, overlapping directly with StreamMind's Moneyroad Instant Payments and RTP propositions for European banks and merchants.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Stream_Mind

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 StreamMind