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Yomoni — Paris-headquartered French digital wealth manager (founded 2014); AMF-supervised gestionnaire (mandated portfolios) with EUR 1.4bn AUM and 60k+ clients, distributing assurance-vie via Suravenir and PEA / CTO under Credit Agricole Titres custody.

Scale
EUR 1.4bn AUM
Wrappers
Vie + PEA + CTO + PER
Connection
Read-only

  • Yomoni Vie (assurance-vie pilotee)

    Yomoni Vie balances (underwritten by Suravenir) read into Bank AI with the current ETF allocation per profil 1-10 (defensive to dynamic), cost basis, and dividends preserved.

  • Yomoni PEA and Compte-titres

    PEA equity-wrapper and CTO mandate balances are tagged separately so the wrapper context (PEA tax efficiency after 5 years) is preserved.

  • Yomoni PER

    Retirement balances are tagged separately from open mandates so liquidity and tax treatment are never conflated; deductible contribution YTD is visible.

  • Yomoni Kids

    Mineur (minor) accounts under Yomoni Kids are surfaced as separate sub-positions so the household balance sheet is honest about which liquidity belongs to which family member.

  • Yomoni Vie (assurance-vie pilotee, Suravenir)
  • Yomoni PEA
  • Yomoni Compte-titres
  • Yomoni PER
  • Yomoni Kids (mineurs)
  • Profils 1-10 (ETF mandates)

Headquarters
Paris, France
Founded
2014
Parent group
Independent (Iena Capital majority)
Regulator
AMF (Yomoni gestion sous mandat); ACPR (assurance-vie via Suravenir)

  • What is my Yomoni Vie profil and how has it performed YTD?
  • Show me my Yomoni PEA contribution YTD vs. my PEA plafond (EUR 150k).
  • How do my Yomoni mandate fees compare to a self-managed ETF portfolio?
  • What share of my net worth sits inside Yomoni mandates vs. self-directed brokers?

Does Bank AI replace Yomoni's mandate?

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

Who underwrites Yomoni Vie?

Yomoni Vie is underwritten by Suravenir (a Credit Mutuel Arkea subsidiary) under ACPR supervision. Yomoni manages the mandate; Suravenir holds the contractual sleeve under the French Code des assurances.

How does Bank AI connect to Yomoni?

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

Is Yomoni regulated?

Yes. Yomoni is supervised by the AMF as a societe de gestion de portefeuille (number GP-15000027). Bank AI is NOT a portfolio manager; we strictly aggregate the read-only view.

Are Yomoni Kids minor accounts tracked?

Yes. Mineur (minor) accounts under Yomoni Kids are surfaced as separate sub-positions so the household balance sheet is honest about which liquidity belongs to which family member.

Does Bank AI calculate French PFU on my Yomoni disposals?

No. Bank AI surfaces the disposals, contributions and gains that drive the calculation but the filing itself (PFU 30 percent for CTO, only social charges for PEA after 5 years, abattement on assurance-vie above 8 years) is best handled by your accountant or via Yomoni's annual statement (IFU).

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