EU Sovereignty Score
EU sovereignFintech & NeobanksHeadquarters: France

Credit Voyager: sovereignty score and 8 European alternatives

Credit Voyager is a cloud-based credit management platform from Intellimind for companies that grant trade credit and for credit insurance brokers. From one website you manage commercial credit applications, credit risk analysis with decision trees and internal scoring, and debt collection and dispute management. The platform connects to credit reference agencies and credit insurers and works with OneGate, a hub for real-time credit information and authorisation workflows. Requests can arrive through the built-in interface, a CRM, an ERP or a web shop.

Intellimind S.A.S. has its head office in Paris. According to the vendor, its platforms run on AWS, a US cloud provider, in datacentres around the world; the site does not say in which regions customer data is stored. The vendor itself addresses the US CLOUD Act and says an external study showed that AWS cannot decrypt customer data. The privacy policy refers to the GDPR and standard contractual clauses. Ask which AWS regions are used and whether EU-only hosting can be agreed.

Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 17, 2026
Headquarters
FranceVerified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
YesVendor-stated
Category
Type
Product
Website

How we verify · Something wrong? Suggest a correction

European alternatives to Credit Voyager

The European alternatives to Credit Voyager come from our knowledge base of over 9,900 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

176 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Credit Voyager

Credit Voyager is headquartered in France and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Credit Voyager scores best on data residency.

Credit Voyager is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Credit Voyager together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Credit Voyager?

It depends on your use case. Strong EU alternatives to Credit Voyager include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Credit Voyager?

Our list of EU alternatives to Credit Voyager is mostly commercial options. Browse the category on the map for open-source choices.

Is Credit Voyager GDPR-compliant and where is the data hosted?

Credit Voyager is headquartered in France (EU) and hosts data in the EU. That makes Credit Voyager an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 17, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

In the changelog

Earlier changes to this page, as listed in the public changelog.

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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8 European alternatives to Credit Voyager (GDPR)