What Sapians does

Sapians is a Paris-based digital family office incorporated in August 2022 as a joint venture between Mata Capital (€2.2B AUM) and iVesta Family-Office (€6B supervised), with operations anchored at 69 rue de Monceau in the 8th arrondissement. The firm serves 190+ affluent clients and entrepreneurs, holding €250M under direct advice and €1B under supervision (€7B combined with iVesta), with a €100K minimum entry ticket and a €1.2M average invested per client. Its core offering is a 360° patrimonial service covering investment advisory, estate and succession planning, business sale structuring (including Article 150-0 B ter reinvestment), and international mobility, delivered through a four-step method (Diagnostic → Strategy → Deployment → Follow-up) by a team of 7 core professionals (CEO, CMO, CTO, head of offer, head of development, brand & content lead, family officer, lead developer) backed by Mata Capital and iVesta operational support.

The underlying technology is a digital family office platform built on HubSpot infrastructure, offering open-architecture investment selection, real-time online portfolio reporting, and Focus.ai, an AI-powered patrimonial coaching tool that conducts text-based conversations and stores history on AWS Europe West-3. Security is provided through 2FA, SHA-256 encryption, and TLS/SSL, with mobile/web access at app.sapians.com. The firm is registered as CIF (CNCGP member) and COA under ORIAS 23003561, with professional indemnity from MMA IARD, and operates under AMF oversight. Sapians monetizes through a declining tiered AUM fee (1% → 0.6%), zero-retrocession clean-share policy, and flat-fee advisory missions starting at €1,500 (€2,000+ for mobility audits), supplemented by educational content via the Just Focus podcast (200+ episodes), 303+ blog articles, Focus Friday and Focus Women events, and dedicated family officer distribution with no resellers or marketplace channels.

Name

Sapians

Legal name

SAPIANS

Website

https://sapians.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Sapians is a Paris-based digital family office founded in 2022, serving 190+ affluent clients and entrepreneurs with institutional-grade wealth management, investment advisory, succession, and international mobility services delivered through a dedicated family officer model and an AI-enabled platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Annual Investment Management Fees: Sapians charges an annual percentage fee on invested assets (AUM-based), structured on a declining tiered basis. The rate decreases as the client's invested amount grows — from 1% down to 0.6% per year. This is the primary recurring revenue stream tied to ongoing portfolio management and oversight.
2. Advisory & Engineering Fees (Forfaits): Flat-fee advisory missions for complex patrimonial engineering tasks such as business sale optimization, estate transmission planning, and international mobility structuring. First-level advisory is included; beyond that, a flat fee is set upfront. Mission fees start at €1,500 per mission.
3. Clean Share / Zero Retrocessions Policy: Sapians explicitly maintains 0% retrocession (back-end commission) on investments placed through client envelopes (life insurance, securities accounts). This means Sapians does not receive trailer fees from product distributors, ensuring objective advice. For Luxembourg contracts, clean share units (0% retrocession) are offered.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels9 records

Core offering

Sapians is a next-generation digital family office that delivers open-architecture wealth management, investment advisory, estate/succession planning, business sale preparation, and international mobility support to affluent individuals and entrepreneurs with a minimum investment of €100,000. Services are delivered through a dedicated family officer plus a proprietary digital platform featuring real-time reporting and an in-house AI patrimonial coach (Focus.ai). Revenue is generated via a declining annual percentage fee on assets under management (1% → 0.6%) and flat-fee patrimonial engineering missions starting at €1,500.

Product overview

Sapians operates as a next-generation family office offering a unified digital platform for wealth management. The core product is the Sapians Digital Family Office Platform, which provides comprehensive wealth advisory services including investment management across multiple asset classes (private equity, private debt, financial markets, hedge funds, real estate, infrastructure), estate planning, business sale preparation, inheritance management, and international mobility services. The platform is augmented by Focus.ai, an AI-powered coaching tool that provides personalized wealth guidance through conversational AI. Sapians also produces the Just Focus podcast series as an educational content extension. All services are accessible to clients with assets starting from 100,000 euros, with dedicated family officers providing personalized accompaniment.

Differentiator

Problem solved

Functional benefit

Brands

• Just Focus: The company's podcast featuring interviews with entrepreneurs, investors, and fund managers sharing their vision on wealth management and investment.
• Focus Friday
• Focus Women

Products and services

• Sapians Digital Family Office Platform An end-to-end digital family office platform serving clients with €1–20M+ in assets, providing open-architecture wealth management (private equity, private debt, infrastructure, listed markets, hedge funds, real estate), tax optimization, estate planning, business sale preparation, and international mobility services. Each client is paired with a dedicated family officer and accesses real-time portfolio reporting via the Sapians client web app.
• Focus.ai (AI Patrimonial Coach) An AI-powered patrimonial coaching tool integrated into the Sapians platform, providing clients with conversational guidance on wealth management topics through natural language text-based interactions. Conversation history is stored on AWS Europe West-3 servers and accessible to Sapians team members and the AI service provider.
• Patrimonial Engineering Advisory Missions Flat-fee advisory missions for complex patrimonial engineering tasks such as business sale optimization (e.g., Article 150-0 B ter reinvestment structures), estate transmission planning, and international mobility structuring. First-level advisory is included with the family office engagement; complex missions are priced upfront as a flat fee starting at €1,500 per mission (e.g., pre-mobility audits from €2,000).

Quantifiable outcome

• €1.5M in taxes avoided for a business owner relocating to Milan with a €9M company sale (vs. ~€2.7M without structuring)
• +5 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered minor.

• Local Tax Advisors (International Mobility Network)minorImplementation/ SI/ Consulting PartnerSapians coordinates with selected local tax advisors in each destination jurisdiction for international mobility clients. These are third-party specialist firms selected based on expertise, not retrocession arrangements. They handle tax filings, residency analysis, and cross-border coordination.
• International Private Banks (Cross-border Banking Network)minorChannel Partner/ Reseller/ DistributorSapians works with international private banks capable of serving multi-residency clients for cross-border accounts, Luxembourg insurance integration, and cross-border Lombard credit. Selected on expertise rather than commission arrangements.
• Partners GroupminorStrategic or Co-development PartnerSapians co-hosted a webinar with Partners Group (June 2026) on infrastructure investing, providing educational content to clients and prospects. This reflects a GTM/educational partnership around specific investment solutions.

Scale indicators16 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Moneyfarm: UK-founded digital wealth manager operating across the UK, Italy, and Germany with a tech-led investment advisory platform. Demonstrates the scalable European digital wealth model that Sapians' tech-forward approach emulates.
• Yomoni: French robo-advisor (Société Générale subsidiary) offering automated multi-asset portfolio management at lower tickets. Competes for digitally-native French investors with a more automated, lower-touch model than Sapians' family-officer-led approach.

Direct peers

• Ramify: French digital wealth manager offering multi-asset portfolio management with low fees and an online-first experience. Competes with Sapians at the entry point of the HNW segment and represents the digital-native alternative to traditional CGPs.
• BLP Conseil: French independent wealth management advisory firm (CGP) serving entrepreneurs and HNW families with 360° patrimonial advice. Operates with similar clean-share/open-architecture positioning and serves a comparable client segment.
• J. Stern & Co. Independent London-based multi-family office serving UHNW families with discretionary investment management and wealth structuring. Operates a comparable independent, fee-only model for cross-border HNW/UHNW clients.
• Herez: French independent multi-family office offering wealth management and advisory services to HNW/UHNW clients. Competes head-to-head with Sapians in the independent advisory segment and shares a similar 'no retrocession' positioning.
• iVesta Family-Office: Multi-family office supervising €6B and co-founding shareholder of Sapians. Operates the same 360° advisory model (investment, tax, estate, transmission) at the €20M+ wealth tier, with a complementary client base that Sapians serves below.
• Nalo: French digital wealth management platform offering automated investment advisory with a tech-led experience. Targets a lower ticket than Sapians but competes for digitally-native French investors seeking transparent, independent advisory.

Broad incumbents

• Cyrus Conseil: One of France's largest independent wealth management firms offering 360° patrimonial advisory. Operates a broader, more established platform than Sapians and represents the incumbent independent competitor with deeper institutional roots.
• Indosuez Wealth Management: Crédit Agricole's private banking arm and one of France's largest wealth managers serving HNW/UHNW clients. Represents the established private bank competitor with integrated banking, custody, and Lombard credit that pure-advisory firms struggle to match.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@sapians_justfocus

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Sapians