FinMent

What FinMent does

FinMent GmbH is a Berlin-based FinTech and EduTech company founded in 2016 by Adrian Schmid and Ajder Veliev. The company offers a subscription-based investment education and technology platform targeting retail investors in the DACH region, with a stated customer base of over 4,000 individuals including entrepreneurs, freelancers, employees, and retirees. Its core offering is positioned as a replacement for traditional financial advisors, life insurance products, and stock market newsletters, built around the concept of generating "lifelong stock market income" (lebenslanges Börseneinkommen) through systematic self-directed investing.

Name

FinMent

Legal name

Finment GmbH

Website

https://finment.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

FinMent is a Berlin-based FinTech and EduTech company that provides a state-certified subscription-based investment education platform, combining a proprietary AI-powered stock selection algorithm, structured distance learning courses, and personal coaching for retail investors across the DACH region.

Ownership category

akta.pro rank

Product category

Financial Education

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

akta.pro secondary industries

Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios) (FSAGAEAA), Budgeting & Cash-Flow Management (FSAGADAA)

Keywords

• Financial education
• Stock market training
• Algorithmic trading
• Investment coaching
• Trading algorithms

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Online Fernunterricht / Educational Courses: FinMent's primary revenue stream is from state-certified online distance learning programs (Fernkurse) offered via subscription with minimum contract terms. The company offers multiple programs: Cashflow-Program (entry-level with 6 income streams) and Erfolgsprogramm (advanced success program for wealth scaling). Products are sold as streaming video and text content with personal coaching components. Contract terms include minimum runtimes with renewal clauses (1-year auto-renewal with 4-week notice period). Revenue is recurring as customers subscribe to ongoing programs with coaching.
2. Personal Finance Coaching / Training Services: Personal mentor/coaching services accompany the online programs. Weekly online group coaching sessions, one-on-one coaching under the four-eyes principle, and current market analysis are included as part of the service bundle. These are bundled into the subscription price rather than sold separately.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

FinMent sells state-certified online distance learning (Fernkurs) subscriptions that bundle financial education, a proprietary AI-driven trading algorithm (FinMent Cashflow-Algorithm scanning 15,000+ stocks and 1M+ options), and personal coaching to help retail investors generate regular stock market income. Its flagship Cashflow-Programm is paired with the advanced Erfolgsprogramm add-on and organized across three capital-based tiers (EUR 20,000+, EUR 100,000+, EUR 250,000+).

Product overview

FinMent is a modular financial education and investment platform comprising the state-certified Cashflow-Programm (core product) and Erfolgsprogramm (advanced add-on), supplemented by the FinMent Academy (educational module), Finanz-Trainer (personal coaching service), and proprietary Finanz-Technologie (algorithmic trading platform). The system follows a 3-phase learning approach progressing from Theory through Pre-Practice to Live Trading, organized across three investment tiers based on capital levels: Level 1 (from 20,000 EUR) focuses on establishing regular income streams; Level 2 (from 100,000 EUR) emphasizes growth and scaling; and Level 3 (from 250,000 EUR) targets wealth maximization with exclusive strategies and tax optimization.

Differentiator

Problem solved

Functional benefit

Brands

• FinMent Academy: Online learning platform providing financial education and investment knowledge through distance learning courses.
• FinMent Cashflow-Programm
• FinMent Erfolgsprogramm
• FinMent Finanz-Technologie
• FinMent Finanz-Trainer

Products and services

• Cashflow-Programm ZFU-certified complete solution enabling retail investors to generate regular stock market income through a 4-pillar strategy, six independent income streams, and the proprietary FinMent Cashflow-Algorithm that scans 15,000+ stocks and 1M+ options. Minimum starting capital EUR 30,000; no prior knowledge required; sold via multi-year subscription.
• Erfolgsprogramm Advanced wealth-scaling subscription for Cashflow-Programm graduates focused on megatrend investments, the 11-level risk system with 99% dynamic position hedging, optimal buy/sell timing, and tax optimization. Minimum starting capital EUR 10,000. Requires completion of the Cashflow-Programm first.
• FinMent Academy (Fernkurs) ZFU-certified online distance learning platform (Fernkurs) delivering scientifically grounded fundamental and sentiment analyses, 32-tier quality verification, interactive digital training with simulated trading, and step-by-step templates. Streaming video content not downloadable; included in the Cashflow-Programm and Erfolgsprogramm subscriptions.
• Finanz-Trainer (Personal Finance Trainer) Personal mentor coaching service providing one-on-one accompaniment from day one, customized scaling plans, weekly online group coaching sessions, and current market analyses to ensure correct strategy implementation. Bundled into the Cashflow-Programm and Erfolgsprogramm subscription prices.
• FinMent Finanz-Technologie (Markt Algo) Proprietary algorithmic trading platform using Big Data analysis and AI to automatically select optimal securities from 15,000+ stocks and over one million options, identifying individually optimized entry and exit points. Includes watchlist analysis with multiple indicators, portfolio optimization through profit potential analysis, and ETF-template-based automatic portfolio composition.

Quantifiable outcome

• Over 4,000 customers served across diverse backgrounds
• +5 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Boerse StuttgartcoreStrategic or Co-development PartnerFinMent has a partnership with Boerse Stuttgart (Stuttgart Stock Exchange), one of Germany's leading financial market venues. Boerse Stuttgart is listed as a partner and is referenced as using FinMent's solutions. This partnership provides institutional credibility to FinMent's educational and technology offerings.
• Anlegerclub.deminorGTM or Marketing PartnerAnlegerclub.de is listed alongside FinMent's logo on the website homepage as a partner or co-marketing relationship, suggesting a referral or content partnership arrangement.
• Zentralstelle für Fernunterricht (ZFU)coreOthersThe ZFU (Staatliche Zentralstelle für Fernunterricht) is the German state body responsible for certifying distance learning programs. FinMent's educational programs hold official ZFU certification (Nr. 7317517), making them legally recognized educational offerings in Germany. Programs are also exempt from VAT under FernUSG.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GodmodeTrader: German trading community and education platform offering market analysis, webinars, and trading tools. Most directly comparable peer to FinMent's educational content and community-led engagement model in the DACH region.
• finanzen.net: Leading German financial portal offering stock data, news, education, and premium subscription services. Comparable peer in monetizing German-speaking retail investor audiences through educational content and tools.
• Wallstreet:Online: Germany's largest financial community platform with stock discussions, news, and premium subscription services. Directly comparable peer in DACH retail investor content/community monetization, and a media partner that has covered FinMent.
• ExtraETF / Extra-Finanzmagazin: Munich-based financial education platform specializing in ETF investing and portfolio strategies. Comparable in monetizing German retail investor education through subscription models and self-directed portfolio guidance.
• LYNX Broker: German/Dutch professional broker for active traders and options strategies. Already a FinMent integration partner, serves a similar customer profile of affluent active investors and offers competing educational content.

Broad incumbents

• Scalable Capital: Munich-based digital wealth platform with robo-advisor and broker services. Comparable in serving affluent German retail investors seeking systematic portfolio strategies, but with broader asset coverage and lower capital thresholds than FinMent.
• Trade Republic: Germany's largest neobroker serving 4M+ customers with commission-free trading and growing educational content. Represents the primary competitive threat to FinMent's DACH retail investor base as it bundles education with free brokerage.
• eToro: Global multi-asset social trading platform with educational content and copy-trading features. Comparable in providing retail investors with algorithm-driven strategy access and educational resources, though at much larger global scale.
• FlatexDEGIRO: Germany's largest online broker with growing educational content and academy offerings. Represents incumbent competitive pressure as a low-cost broker bundling educational services for German retail investors.
• Trading 212: European commission-free trading platform with CFD and Invest accounts plus educational resources. Comparable in serving self-directed European retail investors with bundled trading and educational offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/finment_com
• YouTubeyoutube.com/c/finment
• Facebookfacebook.com/FinMent
• LinkedInlinkedin.com/company/finment
• Instagraminstagram.com/finment

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 FinMent