myOptions

What myOptions does

myOptions is a French AMF-regulated crowdfunding platform operated by Options SAS (a wholly-owned subsidiary of the Asteryos group), headquartered in Bruz and active since June 2016. The platform connects a community of funders (individuals, corporate treasuries, family offices, and asset managers) with innovative SMEs seeking participatory financing in the form of loans, minibons, bonds, convertible bonds, and equity, with campaign envelopes typically ranging from €50,000 to €5 million and a stated gross annual yield for funders of 7-12%. myOptions self-positions as the first crowdfunding platform in France exclusively dedicated to innovation, drawing deal flow from the parent Asteryos group's 10-year innovation financing advisory heritage and applying an internal scientific and technological due diligence filter before listing a project.

The platform is built on commodity French cloud hosting (OVH, with Groupe ASTEN as a secondary host) and integrated with Mangopay (Leetchi Corp), a Luxembourg ACPR-licensed electronic money institution, for payment processing, KYC/AML, and a two-tier e-wallet architecture (Basket E-Wallet for funders and Project E-Wallet for campaigns). SSL-encrypted data transmission, an online suitability questionnaire, three-business-day KYC processing, electronic contract execution, and a real-time portfolio dashboard constitute the front-to-back digital workflow; no mobile app is published, distribution is entirely browser-based.

myOptions earns revenue exclusively through success fees charged to entrepreneurs: 6% on participatory loans and minibons, and 8% on bond issuances and equity raises (with an additional annual management fee on equity to cover holding-company operations). Platform access is free for funders (no entry, exit, or management fees), aligning the platform with investor interests. The customer base is bifurcated: on the supply side, innovative SMEs vetted by an expert committee and typically 1-3+ years old with prior public or private financing; on the demand side, retail investors, corporate treasuries diversifying cash, and institutional/professional investors taking deal-by-deal exposure. The business is bootstrapped (no disclosed external funding rounds), operates with 1-10 employees, and the parent's last reported group revenue is €2,244,000.

Name

myOptions

Legal name

Options SASU

Website

https://myoptions.co

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

myOptions is a French AMF-regulated crowdfunding platform that connects individual and corporate investors with innovative SMEs seeking loans, minibons, bonds, or equity financing, charging 6-8% success fees on campaigns.

Ownership category

akta.pro rank

Product category

Crowdfunding Platform / Innovation Financing Marketplace

NAICS

Investment Banking and Securities Intermediation (523150), Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Loan Brokers (6163), Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Private Equity Fundraising Placement (FSAEALAB)

akta.pro secondary industries

Private Credit & Direct Lending Fundraising Placement (FSAEALAE), Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF), Mezzanine / Subordinated Debt (FSANADAC), Impact Investment & Development Investment Funds (BPADACAO)

Keywords

• Crowdfunding platform
• Participatory lending
• Equity crowdfunding
• Innovation financing
• SME funding marketplace

Headquarters

HQ city

Bruz

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Success fee from entrepreneurs (borrowing): OPTIONS charges each Entrepreneur who has concluded a Loan Agreement through the Site a success fee, the amount and payment date of which are set out in the individual Service Agreement. Access to the platform is free for funders. Fee rate referenced as 6% of loan amount for lending products.
2. Success fee from entrepreneurs (investment/bonds): OPTIONS charges success fees on bond issuances and equity fundraisings conducted on the platform. For bond operations, the fee is 8% of the amount. For fundraisings, a flat fee covers holding company operating costs during the investment period in addition to the 8% success fee.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

myOptions is a French AMF-regulated crowdfunding marketplace (Options SAS, subsidiary of Asteryos group) that connects a community of funders (individuals, corporate treasuries, family offices) with innovative SMEs seeking financing through participatory lending instruments (loans, minibons, bonds) and equity investments. The platform is fully digital, charges no fees to funders, and earns success fees from entrepreneurs (6% on loans, 8% on bonds/equity) upon successful fundraising campaigns.

Product overview

myOptions.co is a French crowdfunding platform exclusively dedicated to innovation financing, operated by OPTIONS SAS (subsidiary of Asteryos group). The platform offers two primary service lines: (1) Participatory Lending comprising loans, minibons, and bonds for companies seeking cash injection financing with no surety or guarantee requirements, and (2) Equity Investment services enabling shareholders to acquire stakes in innovative companies through holding vehicles. The platform serves both individual investors (starting from €50 for loans, €100 for equity) and corporate treasuries seeking diversification. All services are delivered digitally with real-time portfolio management, and the platform generates gross annual yields between 7% and 12% for funders. The platform is regulated by the AMF (FP-2024-3) and integrates with Mangopay for payment processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Participatory Lending (Prêt Participatif) Loan-based crowdfunding allowing individual funders to lend directly to innovative companies less than one year old. Minimum investment €50, maximum €1,000,000 per project, capped at €2,000 per loan for individual funders, with monthly repayments over 12 to 60 months. Earns 7-10% gross annual yield for funders.
• Minibons (Titres Participatifs) Participatory securities accessible to both individual and corporate funders, for companies meeting selection criteria. Minimum investment €50, monthly amortization over 12 to 60 months, eligible for PEA/PME tax wrapper, with 6% success fee on the amount.
• Bonds (Obligations) Bond offerings for individual and corporate investors with shareholder-approved bond issuance. Features in-fine repayment with regular coupon payments and principal returned at maturity. Range €50,000 to €5,000,000, minimum investment €50, 12 to 60 months duration, 8% success fee, gross annual yields of 7-12%.
• Equity Investment (Investissement en Capital) Equity crowdfunding service allowing investors to acquire shares in innovative companies through holding vehicles (holding structures for investor representation). Minimum investment €100, exit horizon 4 to 7 years, envelope range €100,000 to €5,000,000, 8% success fee on raised amount plus annual management fee for holding company operations.
• Convertible Bonds (Obligations Convertibles) Debt instruments convertible into equity, accessible to individual investors, professionals, business owners, and institutional funders through the myOptions investment platform. Duration 2 to 5 years.
• Cash Investment for Companies (Placer votre trésorerie) Treasury diversification solution for companies to invest surplus cash in a diversified portfolio of loans, bonds, and equity investments on the myOptions platform, with gross annual yields between 7% and 12% and no entry/exit fees.

Quantifiable outcome

• Gross annual yield of 7-12% for funders on loans and bonds, versus under 2% on traditional savings products.
• +3 more outcomes

Named customers17 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• Mangopay (Leetchi Corp S.A.)coreTechnology or IntegrationMangopay (Leetchi Corp S.A.), a Luxembourg-based electronic money institution regulated by ACPR, provides payment processing, e-wallet infrastructure (Basket E-Wallet, Project E-Wallet), and KYC/AML services for myOptions. All fund transfers, wallet top-ups, and loan repayments are processed through Mangopay's infrastructure. myOptions acts as an agent of Mangopay SA. The relationship is governed by the MANGOPAY General Terms and Conditions which all members must accept.
• Financement Participatif France (FPF)coreOthersmyOptions is a member of Financement Participatif France (FPF), the French crowdfunding industry association. As a signatory of FPF's code of ethics, myOptions commits to investor protection standards and participates in the association's arbitration process for complaint resolution. FPF also offers a mediation pathway if disputes with myOptions remain unresolved.
• MMA IARD Assurances MutuellessupportingOthersmyOptions carries professional liability insurance (Responsabilité Civile Professionnelle) under policy number 127 124 736 with MMA IARD Assurances Mutuelles, as required for regulated crowdfunding service providers.
• OVHsupportingTechnology or IntegrationThe www.myoptions.co website and associated data are hosted by OVH, a French cloud infrastructure provider (SAS with capital of €10,059,500, located at 2 rue Kellermann, 59100 Roubaix, France).
• Groupe ASTEN (hosting)supportingTechnology or IntegrationThe myOptions website and associated data are alternatively/additionally hosted in France by Groupe ASTEN (SAS au capital de 120,600 euros, 21 rue Robert Schumman, 29480 Le Relecq Kerhuon, France), as stated in the legal notices.

Scale indicators13 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Anaxago: Anaxago is a French AMF-licensed crowdfunding platform offering real-estate, equity, and bond investments in innovative SMEs. It is the closest direct competitor to myOptions in terms of regulated French crowdfunding, target issuer profile, and funnel/PLG distribution model.
• Wiseed: Wiseed is a pioneering French equity-crowdfunding platform with AMF registration, focused on French startups and growth SMEs. Like myOptions, it serves retail investors seeking tax-advantaged exposure (PEA/PME) to innovative French companies.
• Lendosphere: Lendosphere is a French crowdlending platform specialized in energy transition and sustainable projects, with AMF/ORIAS registration. It competes with myOptions on the participatory lending / minibon side, especially for innovative SMEs seeking growth capital.
• October (formerly Lendix): October is a pan-European crowdlending platform for SMEs operating in France, Germany, Spain, Italy, and the Netherlands. It is a direct competitor in French SME lending and provides a benchmark for a scaled, multi-country crowdfunding operator myOptions could evolve into.
• ClubFunding: ClubFunding is an AMF-registered French crowdfunding platform offering real-estate debt and corporate bonds to retail and institutional investors. It overlaps with myOptions on the bond/minibon offering for French SMEs.

Regional players

• Fundimmo: Fundimmo is a French AMF-licensed crowdfunding platform focused on real-estate. While its asset class differs, it shares myOptions' AMF-regulatory framework, retail-investor funnel, and digital onboarding via payment partners like Mangopay.

Emerging players

• Enerfip: Enerfip is a French crowdfunding platform dedicated to renewable energy projects, offering participatory loans and bonds. It compares to myOptions on the lending/sustainable-SME axis, though more narrowly focused on energy.

Broad incumbents

• Bpifrance (Le Hub / BPI Participations): Bpifrance is the French public investment bank providing debt and equity to innovative SMEs nationwide. It is a broad incumbent alternative financing channel that myOptions' issuers may have approached first, shaping the deal-flow pipeline.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/myoptions_co
• Facebookfacebook.com/optionsinnovation
• LinkedInlinkedin.com/company/myoptionsco

Compliance4 records

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

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about myOptions