LinXea — Paris-headquartered French online broker (founded 2007); ORIAS-registered intermediary distributing assurance-vie and PER contracts underwritten by Suravenir, Spirica, Generali and Credit Mutuel, with a flagship 800+ unites de compte universe.
- Scale
- EUR 4bn outstanding
- Wrappers
- Vie + PER
- Connection
- Read-only
LinXea Avenir 2 (Suravenir)
Funds en euros Suravenir Opportunites and unites de compte balances on Avenir 2 read into Bank AI with current value, cumulative gains and net of UC fees.
LinXea Spirit 2 (Spirica) and Zen (Generali)
Spirit 2 and Zen contract balances are surfaced as separate sleeves with the underwriter context preserved, since rendement servi and UC universe differ per underwriter.
LinXea PER
Retirement balances are tagged separately from assurance-vie so liquidity and tax treatment are never conflated; deductible contribution YTD is visible against your PER plafond.
Versements and rachats
Recurring versements and any rachats partiels are tagged with cumulative cost basis so dollar-cost-averaged return and the audit trail per disposal are preserved.
- Linxea Avenir 2 (Suravenir)
- Linxea Spirit 2 (Spirica)
- Linxea Zen (Generali)
- Linxea PER (multi-underwriter)
- Funds en euros + 800+ unites de compte
- Headquarters
- Paris, France
- Founded
- 2007
- Parent group
- Underwritten by Generali, Suravenir, Spirica, Credit Mutuel
- Regulator
- ORIAS (broker registration); ACPR (via underwriters)
- What is my LinXea Avenir 2 funds en euros vs. unites de compte split?
- How does LinXea Spirit 2's rendement servi compare to LinXea Avenir 2?
- Show me my LinXea PER deductible contribution YTD vs. my plafond.
- What share of my LinXea UL universe is in SCPI (real estate) vs. equities?
- Provider
Abeille Assurances
French life-insurance arm of Aema Groupe (ex-Aviva France); EUR 71bn AUM, ACPR-supervised, surfaced read-only in Bank AI.
→ - Provider
Afer
France's largest assurance-vie association; 780k+ members, EUR 56bn outstanding, surfaced read-only in Bank AI.
→ - Provider
AG2R La Mondiale
French mutualist insurance group; EUR 130bn AUM, strong PER / Madelin / Article 83 franchise, surfaced read-only in Bank AI.
→ - Provider
Allianz
Munich-HQ global insurer (XETRA: ALV); EUR 760bn AUM across DE/FR/IT/ES, surfaced read-only in Bank AI.
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Who underwrites LinXea contracts?
LinXea is a broker — contracts are underwritten by Suravenir (Avenir 2), Spirica (Spirit 2), Generali (Zen) and Credit Mutuel. Each underwriter is supervised by the ACPR and holds the contractual sleeve on its balance sheet. LinXea distributes; the underwriter holds.
Does Bank AI place arbitrages on my LinXea contract?
No. Bank AI is read-only by design. We surface positions, the funds en euros vs. UL split, contributions and rachats so you can see the picture, but every arbitrage continues to happen via LinXea's interface (which routes to the relevant underwriter). We never move customer funds.
How does Bank AI connect to LinXea?
Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read assurance-vie and PER positions. Read-only access is enforced.
Are SCPI / SCI real-estate UCs tracked?
Yes. SCPI (Societes Civiles de Placement Immobilier) and SCI unites de compte inside LinXea contracts are surfaced as a separate real-estate sub-position so the IFI calculation context is preserved.
Does Bank AI calculate French PFU on LinXea rachats?
No. Bank AI surfaces the rachats and gains that drive the calculation but the filing itself (PFU 30 percent, abattement of EUR 4,600 / EUR 9,200 above 8 years) is best handled by your accountant or via LinXea's annual statement (IFU).
Is my LinXea data sent outside the EU?
No. Bank AI processes customer data in EU regions by default, with AES-256 encryption and EU-region key management. The relevant underwriter (Suravenir, Spirica, Generali, Credit Mutuel) remains the custodian.
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