Nalo — Paris-headquartered French digital wealth manager (founded 2017); AMF-supervised gestionnaire with EUR 600m+ AUM and a distinctive multi-projet mandate model where each goal (retirement, real estate, education) gets its own glide-path.
- Scale
- EUR 600m+ AUM
- Wrappers
- Vie + PER
- Connection
- Read-only
Nalo Patrimoine (multi-projet)
Nalo Patrimoine balances (underwritten by Generali) read into Bank AI with the per-projet allocation visible — each goal (retirement, kids, real estate) gets its own glide-path and risk profile.
Nalo PER
Retirement balances are tagged separately so liquidity and tax treatment are never conflated; deductible contribution YTD is visible against your PER plafond.
Nalo Eco-responsable (ESG)
ESG-aligned (Article 8 / 9 SFDR) Nalo Eco-responsable mandates are surfaced separately so the share of Paris-aligned exposure is visible at a glance.
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.
- Nalo Patrimoine (multi-projet assurance-vie)
- Nalo PER
- Nalo Eco-responsable (ESG)
- Funds en euros Generali
- Unites de compte ETF
- Headquarters
- Paris, France
- Founded
- 2017
- Parent group
- Independent
- Regulator
- AMF (gestion sous mandat); ACPR (via Generali underwriter)
- What is my Nalo Patrimoine projet 'retirement' allocation?
- Show me my Nalo Eco-responsable ESG exposure as a share of net worth.
- How do my Nalo fees compare to a self-managed ETF portfolio?
- What share of my net worth sits inside Nalo mandates vs. self-directed brokers?
- 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.
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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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Does Bank AI replace Nalo's mandate?
No. Bank AI is read-only — Nalo runs the mandate, picks the ETFs, and rebalances per projet. We surface what Nalo is doing across all your contracts so you can see the picture without logging into multiple apps.
Who underwrites Nalo Patrimoine?
Nalo Patrimoine is underwritten by Generali under ACPR supervision. Nalo manages the mandate; Generali holds the contractual sleeve under the French Code des assurances.
How does Bank AI connect to Nalo?
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.
What does 'multi-projet' mean?
Nalo's mandate model assigns a separate glide-path to each goal (retirement, kids, real estate). Each projet has its own risk profile and time horizon, so a single Nalo Patrimoine contract effectively runs multiple sub-mandates. Bank AI surfaces them as separate sub-positions.
Is Nalo Eco-responsable an Article 9 fund?
Nalo Eco-responsable is built on a selection of ESG-classified ETFs (typically Article 8 / 9 SFDR). The exact mix depends on your risk profile. Bank AI tags the underlyings so the share of Paris-aligned exposure is visible at a glance.
Is my Nalo 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. Nalo and Generali remain the manager and underwriter respectively.
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