Platform Flinket

Name

Platform Flinket

Legal name

PLATAFORMA FLINKET, S.L.

Website

https://plataformaflinket.es

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Open Insurance and Wealthtech Infrastructure

NAICS

Portfolio Management and Investment Advice (523940), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Prepackaged Software (7372), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD)

akta.pro secondary industry

Open Finance Expansion (investments, pensions, insurance, utilities data) (FSAGACAK)

Keywords

• Open Insurance platform
• Insurance-based investments
• Wealth management infrastructure
• Financial API platform
• Digital banking infrastructure

Headquarters

HQ city

Madrid

HQ country

Spain

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. Platform Licensing to Financial Institutions: B2B licensing model providing banks, insurers, and financial institutions access to the Flinket platform technology to create and distribute digital insurance-based investment products. The platform enables institutions to launch new business lines through API integration.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Platform Flinket provides an API-first Open Insurance and Wealthtech infrastructure platform that enables banks, insurers, and financial institutions to launch fully digital, regulation-compliant insurance-based savings and investment products. The platform orchestrates the entire investment ecosystem from a single point via REST APIs, SDKs, webhooks, and a sandbox environment, allowing end customers to create portfolios or replicate independent manager portfolios.

Product overview

Plataforma Flinket is a unified Open Insurance and Wealthtech platform that provides modular infrastructure for financial institutions to create and distribute digital insurance-based savings and investment products. The core Flinket Platform serves as the central technology layer, offering API-first architecture, REST endpoints with OAuth2 authentication, webhooks for real-time events, and a sandbox environment. The platform is designed to help banks, insurers, and financial entities address generational wealth transfer challenges by enabling them to launch fully digital, regulation-compliant investment products.

Differentiator

Problem solved

Functional benefit

Products and services

• Flinket Platform API-first modular infrastructure platform that enables insurers and financial institutions to launch modern, digital, and scalable insurance-based investment products. Built on Open Insurance principles, it orchestrates the entire investment ecosystem from a single point via REST APIs with OAuth2 authentication, webhooks for real-time events, multi-language SDKs, a sandbox environment, and enterprise security (API Keys, mTLS, audit trail, end-to-end encryption, data residency). Target users are Spanish banks, insurers, and financial entities.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• MGC MutuacoreStrategic or Co-development Partner · 1 December 2025MGC Mutua joined as a strategic insurance partner, providing regulatory strength and financial backing. As an insurer for the platform, MGC Mutua acts as guarantor before the General Directorate of Insurance, enabling Flinket to offer compliant insurance-based investment products.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• EIS: Insurance core platform vendor used by global insurers to launch digital products and orchestrate distribution. EIS is comparable to Flinket as a platform enabling insurers to launch digital, API-driven products, but operates at much larger scale and across multiple lines of business globally.
• Duck Creek Technologies: Global SaaS provider of core systems for the insurance industry (policy, billing, claims). Duck Creek is comparable as insurance platform infrastructure serving carriers and enabling modern product launches, though its scale and breadth are far greater than Flinket's Spain-focused wealthtech layer.
• Fineos: Public insurtech platform serving life, accident, and health insurance with core systems and embedded analytics. Fineos is a broad incumbent in insurance platform infrastructure, comparable to Flinket in targeting the insurance carrier as its customer and enabling modern product distribution.
• Sapiens International: Insurance software provider offering core systems, digital, analytics, and retirement/investment platforms. Sapiens is comparable in enabling insurance-based savings and investment products, particularly through its retirement and wealth offerings for insurers — overlapping with Flinket's unit-linked insurance wrapper focus.
• Openbank: Santander's fully digital bank in Spain offering investment funds, pension plans, and brokerage products. Openbank is a broad incumbent competing for the same digitally-native Spanish affluent segment and is the type of incumbent that could either become a Flinket customer or a competitor depending on its internal modernization strategy.

Regional players

• Bdeo: Spanish insurtech focused on visual intelligence and claims automation for insurers across Iberia and Latin America. Bdeo is a comparable Spanish-headquartered insurtech selling into the same carrier customer base as Flinket, though its product focus is claims rather than investment product distribution.

Direct peers

• MyInvestor: Spanish digital wealth and investment platform backed by Andbank, El Corte Inglés Seguros, AXA, and several savings banks. MyInvestor offers index funds, robo-advisory portfolios, and pension plans through a fully digital channel, competing with Flinket's end customers (Spanish financial institutions) for the same wealthtech-driven distribution shift.
• Indexa Capital: Spain's largest robo-advisor and digital wealth manager, offering automated investment portfolios and pension plans. Indexa is a direct peer in the Spanish digital wealthtech space, addressing the same affluent retail segment through a digital-first, low-fee model — though it competes more on the consumer side while Flinket is the B2B infrastructure behind similar products.

Emerging players

• wefox: European insurtech building a digital insurance platform connecting carriers, distributors, and end customers. wefox is comparable as a European digital insurance enabler focused on distribution modernization, though it sits closer to brokerage than to Flinket's B2B infrastructure-for-insurers positioning.
• Income InsurTech (Singapore): Insurtech platform in Asia enabling digital insurance product distribution through APIs and partnerships. Comparable to Flinket as an emerging insurtech infrastructure play targeting the digital distribution of insurance-based products, though operating in a very different regulatory geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/flinket-es
• Xx.com/flinket_es

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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 Platform Flinket