EU sovereignFintech & NeobanksHeadquarters: FR

Yomoni: sovereignty score and 8 European alternatives

Yomoni is a digital wealth management service that builds and manages ETF-based portfolios for individual savers, as well as for financial advisers and family offices. The service is run by ALTHEIS SAS, a simplified joint-stock company registered in Paris, which is licensed by the French financial markets regulator AMF as a portfolio management company. Its legal notice also lists registration as an insurance intermediary with ORIAS.

ALTHEIS SAS has its registered office at 231 rue Saint-Honoré in Paris. The legal notice states that a Crédit Mutuel Arkéa group entity has been a shareholder since 2015. No majority owner is identified, so no foreign parent company is named. The website and web application are hosted on Amazon Web Services, and the AWS region is not stated. European savers should confirm where their data is stored and review the processing terms before opening an account.

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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 11, 2026

Headquarters	FR (EU)Verified by hand
Sovereignty model	Vendor-hosted (EU)Verified by hand
Data hosting	EUVerified by hand
Open-source	NoVerified by hand
GDPR-compliant	NoVendor-stated
Category	Fintech & Neobanks
Type	Product
Website	yomoni.fr ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Yomoni

The European alternatives to Yomoni come from our knowledge base of over 6,800 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

116 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 Yomoni

Yomoni is headquartered in FR 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 Yomoni scores best on data residency.

Yomoni 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 Yomoni 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 Yomoni?

It depends on your use case. Strong EU alternatives to Yomoni 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 Yomoni?

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

Is Yomoni GDPR-compliant and where is the data hosted?

Yomoni is headquartered in FR (EU) and hosts data in EU. That makes Yomoni 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 11, 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

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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