Flipai
Flipai is presented as a Lisbon-based, 1-10-person company founded in 2024. The source material documents a Portuguese credit intermediation service (Protectus Crédito brand) that compares mortgage, personal, and auto credit offers from 8 partner banks and earns lender-paid commissions.
- Company typePrivate
- Founded2024
- HeadquartersLisbon, Portugal
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Flipai does
Flipai is presented in the input as a Portugal-based company founded in 2024 with 1-10 employees, headquartered in Lisbon. The detailed source material, however, does not describe an entity called "Flipai"; it describes Protectus Crédito, a credit intermediation brand operated by Eupago - Instituição de Pagamento, Lda. (NIPC 513212744, share capital €1,000,000), which is registered with Banco de Portugal as a credit intermediary under nr. 8709 and provides professional liability insurance via Hiscox. Based on the source-evidenced business, the operating activity is credit intermediation: an online simulation form feeds a 3-step process in which a team analyzes the customer's profile, solicits proposals from 8 partner lending institutions (BNI, Banco BPI, Cofidis, Santander Consumer Finance, Novo Banco, ABANCA, Caixa Geral de Depósitos, and UCI), and accompanies the customer through to contract signing.
The product surface spans mortgage credit (Crédito Habitação), personal credit, automobile credit, and credit consolidation, with physical advisory offices in Lisbon and Porto supplementing the digital channel. The revenue model is transaction-fee commission paid by the lending institution (mutuante) on each credit contract facilitated; the service is provided at no cost to the consumer. Customer acquisition is primarily through a self-service online simulation form, with phone, email, and in-person consultations supporting the funnel. Given the explicit data-mismatch flag in the source ("No information about Flipai was found in the provided source data"), this description reflects the credit intermediation business that the source actually documents under the Protectus Crédito / Eupago umbrella, not a separately evidenced "Flipai" entity.
Flipai firmographics
Firmographics- Name
- Flipai
- Legal name
- Eupago - Instituição de Pagamento, Lda.
- Website
- https://flipai.pt
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Flipai is presented as a Lisbon-based, 1-10-person company founded in 2024. The source material documents a Portuguese credit intermediation service (Protectus Crédito brand) that compares mortgage, personal, and auto credit offers from 8 partner banks and earns lender-paid commissions.
- Ownership category
- akta.pro rank
Flipai industry classification
Industry- Product category
- Credit Intermediation
- NAICS
- Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
Keywords
Where Flipai is headquartered
LocationHeadquarters
- HQ city
- Lisbon
- HQ country
- Portugal
- HQ region
- Europe
Offices2 records
Markets served
Flipai business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Credit Intermediation Commission: The company acts as a credit intermediary registered with Banco de Portugal (nr. 8709), earning revenue through commissions paid by partner lending institutions (mutuantes) for each credit contract facilitated. The service is provided free of charge to customers (Sem Custo para o Cliente). Revenue is generated when customers sign credit agreements with the bank's products presented by the intermediary.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free customer service with commission-based revenue from lenders |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Flipai product offering
Product offeringCore offering
Flipai (operating as Protectus Crédito under Eupago - Instituição de Pagamento, Lda.) is a regulated credit intermediary in Portugal that connects consumers seeking mortgage, personal, auto, and consolidation credit with 8 partner financial institutions. Customers complete a 2-minute online simulation, receive analyzed proposals from the partner banks, and are accompanied through contract signing. The service is provided free of charge to customers, with revenue generated through commissions paid by the lending institutions (mutuantes) for each credit contract facilitated.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédito Habitação (Mortgage Credit) Mortgage loan intermediation service for residential property purchase or refinancing in Portugal. The company compares proposals from multiple partner banks to find the most suitable mortgage terms for each customer's profile and accompanies the customer through the entire process from simulation to contract signing.
- Crédito Pessoal (Personal Credit) Personal loan intermediation service for Portuguese consumers seeking financing for personal projects, home improvements, or other individual needs. The company presents credit options with terms and rates adapted to the customer's financial capacity, sourced from partner lending institutions.
- Crédito Automóvel (Auto Credit) Auto loan intermediation service for vehicle financing in Portugal. The company helps customers navigate the different auto credit modalities available through specialized partner lenders, including Santander Consumer Finance.
- Crédito Consolidado (Credit Consolidation) Credit consolidation and transfer intermediation service that helps Portuguese consumers combine or transfer existing credits to achieve improved conditions. Includes full process accompaniment through the transfer or consolidation procedure.
Quantifiable outcome
- Interest rate reduction example: customer secured 3.8% mortgage rate vs. bank's initial offer of 4.2%
Companies that use Flipai
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Flipai technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Flipai partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- BNI - Banco de Negócios Internacional (Europa), SAcoreMutuante (lending institution) partner with established credit intermediation contract. One of the 8 financial institution partners providing mortgage and credit products through the Protectus intermediary platform.
- Banco BPI, S.A.coreMajor Portuguese banking institution operating as lending partner for credit intermediation services. Provides mortgage and credit products distributed through the intermediary's comparison platform.
- CofidiscoreSpecialized consumer credit institution as lending partner. Provides personal credit and specialized financing solutions through the intermediary's network.
- Santander Consumer Finance S.A. - Sucursal em PortugalcorePortugal branch of Santander Consumer Finance operating as auto and consumer credit lender partner. Provides automobile financing and consumer credit products through the intermediation platform.
- Novo Banco, S.A.coreMajor Portuguese banking group as lending partner. Provides diverse credit products including mortgage financing through the intermediary's distribution channel.
- ABANCA Corporación Bancaria, SA, Sucursal em PortugalcoreSpanish banking group with Portugal branch operating as lending partner. Provides credit products including mortgage financing through the intermediation arrangement.
- Caixa Geral de Depósitos S.A.coreState-owned Portuguese banking institution as lending partner. One of the largest banks in Portugal providing credit products through the intermediary platform.
- UCI, Unión de Créditos Inmobiliarios, S.A. - Establecimiento Financiero de Crédito, Sucursal em PortugalcoreSpecialized real estate credit institution with Portugal branch as partner. Focuses on mortgage and real estate financing products distributed through the intermediary.
Scale indicators2 records
Recent moves4 records
Expansion highlights3 records
Flipai competitors and assessment
Company assessmentDirect peers
- LendingTree: Leading US credit comparison marketplace connecting consumers with multiple lenders across mortgages, personal loans, and auto credit, monetized via lender referral commissions. Direct functional analog to Flipai/Protectus's intermediation model in the consumer credit vertical.
- Moneysupermarket: UK financial product comparison site covering loans, mortgages, credit cards, and insurance with commission-based monetization from provider partners. Equivalent business model and credit intermediation focus as Flipai.
- GoCompare: UK price comparison platform covering credit products, insurance, and utilities with commission-based revenue from providers. Directly comparable to a Portuguese intermediation model in structure and target market.
- Compare the Market: UK multi-product comparison service covering mortgages, loans, and insurance with commission revenue from providers. Same intermediation pattern and customer acquisition funnel (online simulation plus comparison) as Flipai.
- BankBazaar: India-based financial product comparison platform offering credit cards, loans, and insurance products from multiple banking partners. Closely mirrors Flipai's marketplace-based consumer credit intermediation model.
- Finder.com: Global financial product comparison platform active in credit cards, loans, and banking products across multiple geographies, monetized via partner referrals. Similar intermediation model to Flipai with multi-country comparison footprint.
Regional players
- Selectra: Portuguese and European utility/telecom comparison brand that also operates credit-adjacent comparison verticals. Comparable as a Portuguese comparison intermediary operating in a similar local market with similar online simulation and affiliate distribution model.
Broad incumbents
- SoFi: US digital personal finance platform offering personal loans, mortgage refinancing, and credit products with technology-led intermediation. Comparable as a broad portfolio fintech lender attacking consumer credit intermediation from the supply side.
- Cofidis: Specialized European consumer credit institution offering personal loans, auto financing, and revolving credit across multiple countries including Portugal (and is also a Flipai/Protectus partner lender). Comparable as an established consumer credit provider competing for the same end customers.
Emerging players
- Creditas: Brazilian consumer credit and home equity platform that aggregates and intermediates lending products through a digital marketplace. Comparable as an emerging player in credit intermediation in a Lusophone market adjacent to Portugal.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Flipai social profiles
Digital presenceFlipai financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flipai leadership team
Management profileNumber of profiles
Flipai funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flipai M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Flipai
What does Flipai do?
Flipai (operating as Protectus Crédito under Eupago - Instituição de Pagamento, Lda.) is a regulated credit intermediary in Portugal that connects consumers seeking mortgage, personal, auto, and consolidation credit with 8 partner financial institutions. Customers complete a 2-minute online simulation, receive analyzed proposals from the partner banks, and are accompanied through contract signing. The service is provided free of charge to customers, with revenue generated through commissions paid by the lending institutions (mutuantes) for each credit contract facilitated.
Is Flipai a public or private company?
Flipai is a private company. It is classified as unknown and is currently operating.
When was Flipai founded?
Flipai was founded in 2024. It employs 1 to 10 people.
Where is Flipai based?
Flipai is headquartered in Lisbon, Portugal, in the Europe region.
How does Flipai make money?
One revenue line is on record: credit Intermediation Commission.
Who are Flipai's main competitors?
Direct peers on record are LendingTree, Moneysupermarket, GoCompare, Compare the Market, BankBazaar and Finder.com. Selectra is listed as a regional player. Broad incumbents are SoFi and Cofidis. Creditas is listed as an emerging player.
Does Flipai have an API?
No public API is recorded for Flipai.
What industry is Flipai in?
Flipai's product category is Credit Intermediation. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending. Its NAICS code is 5223 and its SIC code is 6141.