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Ramify — Paris-headquartered French digital wealth manager (founded 2021); AMF-supervised gestionnaire offering multi-asset mandates spanning assurance-vie (Apicil), PER, SCPI, Private Equity and BTC / ETH baskets — closer to a UHNW family-office offer than a robo.

Scale
EUR 200m+ AUM
Wrappers
Vie + PER + SCPI + PE
Connection
Read-only

  • Ramify Vie (assurance-vie pilotee)

    Ramify Vie balances (underwritten by Apicil) read into Bank AI with the multi-asset allocation per profil (Essential / Elite), cost basis and net of UC fees.

  • Ramify SCPI and Private Equity

    SCPI (real estate) and Private Equity balances are surfaced as separate sub-positions with liquidity terms made explicit (PE typically locked 8-10 years; SCPI quasi-illiquid).

  • Ramify Crypto baskets

    BTC / ETH baskets inside Ramify mandates are surfaced as a separate digital-asset sub-position so the multi-venue crypto view is honest.

  • Ramify PER

    Retirement balances are tagged separately so liquidity and tax treatment are never conflated; deductible contribution YTD is visible against your PER plafond.

  • Ramify Vie (assurance-vie pilotee)
  • Ramify PER
  • Ramify SCPI (real estate)
  • Ramify Private Equity
  • Ramify Crypto (BTC/ETH baskets)
  • Profils Essential / Elite

Headquarters
Paris, France
Founded
2021
Parent group
Independent
Regulator
AMF (gestion sous mandat); ACPR (via Apicil underwriter)

  • What is my Ramify Private Equity allocation as a share of my net worth?
  • Show me my Ramify SCPI yield YTD net of fees.
  • How does my Ramify BTC basket compare to my Ledger BTC?
  • What is my Ramify Elite fee load vs. my Yomoni mandate?

Does Bank AI replace Ramify's mandate?

No. Bank AI is read-only — Ramify runs the mandate, picks the underlyings, and rebalances. We surface what Ramify is doing across all your contracts so you can see the picture without logging into multiple apps.

Who underwrites Ramify Vie?

Ramify Vie is underwritten by Apicil under ACPR supervision. Ramify manages the mandate; Apicil holds the contractual sleeve under the French Code des assurances.

How does Bank AI connect to Ramify?

Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read assurance-vie, PER, SCPI and PE positions. Read-only access is enforced.

Are Ramify Private Equity sleeves liquid?

No. Private Equity is typically locked 8-10 years; redemptions before maturity are subject to secondary-market terms. Bank AI tags PE balances with their lock-up so the picture is honest about which liquidity is actually available right now.

Are Ramify Crypto baskets a CASP product?

No. Ramify Crypto baskets are unit-linked exposures (typically through ETPs) inside the Ramify Vie mandate or via dedicated wrappers, not direct CASP custody. The underlying issuer holds the crypto custody under their own permissions.

Is my Ramify 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. Ramify and Apicil remain the manager and underwriter respectively.

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