Monaliza provides a white‑label, end‑to‑end digital platform for Plan d’Épargne Retraite (PER) contracts, enabling brokers and wealth managers to offer branded retirement savings products without building their own compliance or technology stack. The solution handles the full sales workflow—including KYC/AML, e‑signature, document archiving, and commission reporting—while giving access to over 1,000 investment options and real‑time retirement simulators.
Funding
Funding not disclosed
Founders
Product
Problem
Financial distributors such as brokers, wealth managers, and other intermediaries often lack a ready-to-use, compliant retirement savings product that can be offered under their own brand, and building such a solution in‑house requires significant regulatory, technical, and operational effort.
Solution
Monaliza delivers a white‑label, end‑to‑end digital platform for Plan d’Épargne Retraite (PER) contracts. The service provides a fully hosted infrastructure that handles the complete sales journey—from client onboarding, KYC/AML checks, and advisory documentation to electronic signature, secure archiving, and commission calculation. Partners can select from a broad universe of more than 1,000 investment options, including ETFs, equities, private equity, and structured products, and choose between free‑management or guided‑management models to match client risk profiles. The platform’s intuitive interface includes built‑in simulators that calculate mandatory retirement amounts, tax benefits, and projected capital, enabling advisors to present personalized scenarios instantly. All processes comply with the highest regulatory standards, allowing distributors to expand their product offering without developing their own compliance or technology stack.
Target Audience
Primary customers are wholesale brokers, independent wealth managers, and other financial distributors seeking a compliant, customizable retirement savings product to offer their end‑clients.
Features
- White‑label digital PER solution with full branding control for partners
- Integrated sales workflow covering advisory duty, KYC/AML, contract configuration, e‑signature, and secure document storage
- Access to over 1,000 investment vehicles (ETF, stocks, private equity, structured products) with optional fund referencing
- Flexible portfolio management modes: self‑directed or professionally guided allocations
- Real‑time simulation tools for retirement income, tax savings, and capital accumulation forecasts
- Cloud‑based, compliant infrastructure with automated commission calculation and reporting
- API‑ready architecture for seamless integration with brokerage platforms, fintechs, and insurers