Goin is a mobile finance platform that links any European bank via PSD2 to let users view and control their accounts in one place. It automates savings through round‑ups, scheduled deposits and income‑percentage rules, offers one‑click cryptocurrency investing, and delivers automatic cashback and discounted gift‑cards via an integrated marketplace and Chrome extension.
Funding
$15.9M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many consumers struggle to actively manage their finances, save regularly, and capture available discounts or cashbacks, often because banking tools are fragmented and require manual effort. This leads to missed savings opportunities and underutilized investment options.
Solution
Goin offers a single mobile platform that connects to any bank via the European PSD2 open banking standard, allowing users to view and control their accounts securely. The app automates savings through rounding, scheduled contributions, and income‑percentage rules, while also providing instant access to investment in cryptocurrencies. Integrated cashback, discounted gift‑card purchases, and a Chrome extension automatically apply rewards and coupons when users shop online or in‑store, turning everyday spending into additional income. All data is encrypted and the service operates under a regulated payment entity, ensuring compliance and security. Users can monitor their financial growth and redeem rewards through a unified dashboard.
Target Audience
Goin targets individual consumers in Europe who want to simplify budgeting, automate savings, and earn rewards from everyday purchases, including online shoppers and mobile‑first users.
Features
- Bank integration via PSD2 for secure, real‑time account aggregation
- Automated saving tools: round‑up purchases, fixed recurring deposits, and income‑percentage allocations
- One‑click cryptocurrency investment in over 50 assets
- Automatic cashback from hundreds of partnered merchants, both in‑app and via Chrome extension
- Discounted gift‑card marketplace with instant redemption of savings
- Referral program rewarding up to €100 per invited friend
- TLS 256‑bit encryption and storage with a regulated Spanish payment institution