IronIA Fintech

What IronIA Fintech does

IronIA Fintech (legal entity: Simplicitas Capital, S.L.) is a Madrid-based online investment platform founded in 2020, operating as the exclusive commercial agent of Diaphanum Valores SV SAU, a CNMV-authorized investment services firm (registration #265). The platform offers retail investors access to a fund supermarket of 27,304 investment products from over 20 international asset managers (including Candriam, Fidelity, GAM, Janus Henderson, M&G, Pictet, Franklin Templeton, and BlackRock), emphasizing clean share class access, retrocession returns, and zero platform commissions.

The core product suite comprises Plan Gestionado (managed portfolios across four risk profiles at €39.99/year), Plan Libertad (self-directed investing via IronIA Anual at €114.99/year for portfolios under €1M, or IronIA Mini at €14.99/year for portfolios under €6,000), and Carteras Ejemplo (curated sample portfolios from BlackRock, GAM, and IronIA thematic baskets such as Defensa & Energía and Salud y Longevidad). Underlying the retail platform are proprietary components including the IronIA Dataverse research and analytics engine, the IronIA Open API for Spanish EAF distribution, API Competiciones for educational portfolio simulations, and IronIA Web Services (OMNIA for illiquid products within the Diaphanum Group; TaxMM for tax-optimized financing of film/series/music/theater productions; and Digital Pack EAF for turnkey digital advisory).

Revenue is generated exclusively through subscription fees, with the lowest tier at €14.99/year and the standard retail tier at €114.99/year. The company employs 1-10 people, is privately held with no disclosed funding rounds, and pursues a product-led growth motion combining self-serve onboarding, content marketing (4,031+ articles), portfolio competitions with educational institutions (UAM-BME, MIAX, CFA Society Spain), and B2B API distribution. Strategic positioning centers on democratizing institutional-quality fund access and undercutting traditional Spanish bank distribution commissions.

Name

IronIA Fintech

Legal name

SIMPLICITAS CAPITAL, S.L.

Website

https://ironia.tech

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

IronIA Fintech is a Madrid-based online investment platform operating as the exclusive agent of CNMV-regulated Diaphanum Valores, offering Spanish retail investors a zero-commission fund supermarket, managed portfolios, and B2B API distribution to financial advisors.

Ownership category

akta.pro rank

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Subscription Fees (Plan Gestionado): Annual subscription for managed portfolio services at €39.99/year, providing professional portfolio management with customized investment portfolios based on risk tolerance.
2. Subscription Fees (IronIA Anual): Flat-rate annual subscription limited to portfolios under €1 million value, priced at €114.99/year.
3. Subscription Fees (IronIA Mini): Entry-level annual subscription for portfolios under €6,000 at €14.99/year.
4. Sample Portfolio Fees: Some sample portfolios from external managers (GAM) carry annual fees of €114.99/year, while promoted portfolios from BlackRock are offered at €0.00.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

IronIA Fintech operates an online investment platform providing retail investors with access to over 27,000 investment funds without platform commissions. Its offering includes self-directed fund search and execution (Plan Libertad), professionally managed portfolios across four risk profiles (Plan Gestionado), curated sample portfolios from global asset managers (Carteras Ejemplo), and an open API suite enabling financial advisor firms (EAFs) and enterprises to integrate IronIA's fund execution and competition simulation capabilities into their own platforms.

Product overview

IronIA Fintech is a discount broker platform that provides investment services as a registered agent of Diaphanum Valores SV SAU (CNMV). The platform offers a fund supermarket with no commissions, providing access to clean share classes and fee reimbursements. The product portfolio includes Plan Gestionado (professional portfolio management with four risk profiles at 39.99 EUR/year), Plan Libertad (self-directed investment with IronIA Anual and IronIA Mini subscription tiers), Carteras Ejemplo (sample portfolios including BlackRock, GAM, and IronIA thematic portfolios), and a suite of API products (IronIA Open API, API Competiciones, Web Services OMNIA, Web Services TaxMM, and Digital Pack EAF) enabling third-party integrations for EAFs and enterprises. Additional tools include Dataverse for analytics and research reports.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan Gestionado Professional portfolio management service where a team of experts creates and maintains personalized investment portfolios based on the investor's selected risk profile. Includes four risk profiles — Conservadora (Conservative), Moderada (Moderate), Equilibrada (Balanced), and Agresiva (Aggressive) — each priced at €39.99/year. Target customers: Spanish retail investors who prefer hands-off professional management.
• Plan Libertad Self-directed investment plan providing access to the broadest fund offering at the best price (clean share classes). Two subscription tiers: IronIA Anual at €114.99/year for portfolios under €1 million, and IronIA Mini at €14.99/year for portfolios under €6,000. Target customers: experienced Spanish retail investors managing their own portfolios.
• Carteras Ejemplo Sample investment portfolios designed to provide optimal diversification and access to top-performing funds. Includes BlackRock-promoted portfolios (€0.00), GAM portfolios (€114.99/year), and thematic IronIA portfolios such as Defensa & Energía (Defense & Energy) and Salud y Longevidad (Health & Longevity). Target customers: self-directed Spanish investors looking for curated model portfolios.
• IronIA Open API API product enabling EAFs (sociedades y agencias de valores) to integrate their clients for simple and reliable order execution on the IronIA platform. Target customers: Spanish financial advisor firms (EAFs) wanting to embed IronIA's fund universe and execution in their own platforms.
• IronIA API Competiciones API product allowing the creation of specific competitions for entities such as educational institutions or companies using IronIA's fund market simulator. Target customers: educational institutions and enterprises running investment competitions.
• IronIA Digital Pack EAF Turnkey product for digital advisory of clients with execution on the IronIA platform. Target customers: financial advisor firms (EAFs) seeking a white-label digital advisory solution.
• Insurance Optimization (Seguros) Insurance optimization service referenced under the Seguros section of the platform at ironia.tech/#insurance. Target customers: Spanish consumers seeking to optimize insurance costs as part of broader personal finance management.

Quantifiable outcome

• 68.51% gross return for Aggressive managed portfolio over 5 years (calculated from July 16, 2021 to July 16, 2026)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Diaphanum Valores SV SAUcoreStrategic or Co-development PartnerIronIA Fintech operates as the exclusive commercial brand and registered agent of Diaphanum Valores SV SAU, a CNMV-authorized investment services company (registration #265). IronIA uses Diaphanum's regulatory authorization to distribute investment funds. The relationship provides IronIA with regulatory legitimacy while Diaphanum gains access to IronIA's technology platform and digital distribution capabilities.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights15 records

Customer concentration

• Xx.com/IronIAFintech
• Facebookfacebook.com/100063966076672
• LinkedInlinkedin.com/company/ironia-fintech

Revenue estimate

Valuation estimate

Number of profiles

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 IronIA Fintech