Multiplo Capital: Merging the Best of Fintonic, Indexa Capital, and MyInvestor
A New Era for Fintech in Spain
Spain has become a rising star in the fintech sector, especially with the advent of companies like Fintonic and Indexa Capital. These firms have opened the door for new startups such as MyInvestor and ID Finance to secure significant funding. Among the newest players in this ever-evolving market is Multiplo Capital, which launched commercially on January 19, 2026, under the leadership of Cristian Merino. He attributes the industry’s growth to the influence of social media and content creators who are making financial education more accessible, yet this abundance of information also breeds confusion among potential investors.
A Holistic Investment Solution
In just a few short months, Multiplo Capital has effectively managed €20 million from 100 clients. The clientele ranges drastically in age and income, averaging around 40 years old, with incomes spanning from €25,000 to a staggering €4 million. Unlike its competitors, Multiplo offers a “holistic” approach to wealth management. According to Merino, their solution combines the aggregate asset insight from Fintonic, investment options in Indexa index funds, and the diverse offerings of MyInvestor. This multi-faceted strategy not only interprets an investor’s financial standing but also provides tailored advice for optimal asset allocation.
Personalized Advisory with AI Integration
Multiplo Capital prides itself on its position of independence and expertise, filling a crucial void in the current market landscape. The onboarding process begins with a one-on-one conversation with an advisor, enabling clients to outline their financial goals—be it purchasing a first home, securing a sustainable pension, or planning a vacation in Honolulu. This initial engagement assesses personal circumstances, risk tolerance, and investment preferences.
Once this information is gathered, Multiplo generates a bespoke investment plan, simulating various scenarios for portfolio growth. Clients can actively adjust their risk exposure, exploring options within variable income and long-term index funds to understand potential routes for their investments.
Proactive Client Engagement
Multiplo remains committed to maintaining communication with clients through electronic responses. Queries are handled either by autonomous agents or routed for advisor review. A strategic touchpoint occurs every three months, allowing clients to track portfolio performance and receive updated recommendations based on market movements.
The firm adopts a proactive approach to external events, ensuring clients are informed about potential risks or conflicts, such as geopolitical instability. Clients can opt for a monthly newsletter featuring tailored insights about their investments.
Funding and Future Prospects
In 2025, Multiplo successfully raised €950,000 from Antai and several notable angel investors, including Aitor Chinchetru, co-founder of Fintonic. The firm anticipates its second seed round by the end of this year, expecting to expand to around 400 clients by that time.
Conclusion
With its comprehensive and personalized approach, Multiplo Capital aims to combine the strengths of established platforms like Fintonic, Indexa Capital, and MyInvestor into a single, coherent offering. As the fintech landscape continues to evolve, Multiplo’s integration of AI and holistic advisory services positions it as a compelling alternative for clients seeking clarity in a complex financial world.