Insurely and Ramify strengthen the transparency of PER for French savers

From our archive: this press release is from December 2025, when Anessa was still called Insurely.

Insurely announces its collaboration with Ramify. The Swedish fintech brings its open finance technology to the French platform to provide real-time data on the PER.

Paris, 4 December 2025 – Insurely, a leading European fintech in open finance, is continuing its expansion in France and is partnering with Ramify to streamline and secure access to PER data. This announcement comes at a time when French household confidence is declining (INSEE), and a record number of households are turning to savings – which remains fragmented and difficult to understand for nearly one in two French people (43%).

With this integration, Ramify puts an end to the fragmentation of retirement contracts by automatically identifying all of the PERs held by a saver, securely retrieving the data and consolidating it within a single interface. Leveraging Insurely’s technology, the platform also simplifies the transfer process by instantly centralising all the necessary information.

This partnership, which aims to eliminate the friction associated with retrieving information, allows:

• Real-time access to PER data
• Simplified onboarding, thanks to the automatic import of contractual information
• Faster transfers, with faster retrieval of existing contracts
• A consolidated view of retirement savings, grouping all contracts in one place
• Clearer contracts, making it easier for Ramify advisors to support savers
• Fewer manual errors
• An infrastructure that anticipates future regulatory requirements

“Thanks to Insurely, we offer our users real-time access to their PER data, which simplifies the transfer process. This integration not only allows our customers to seamlessly consolidate their retirement savings and accelerate capital growth, but improves the fluidity of the transfer process, a key element of the user experience,” says Samy Ouardini, Co-founder and Executive Chairman of Ramify.

In this fragmented landscape marked by the concern of savers, transparency, legibility and performance are becoming essential.

At the same time, European regulations are evolving: the future FIDA (Financial Data Access) regulation will strengthen the obligations to securely share financial data.

“This collaboration comes at a time when 43% of French people are still unaware of the principles and advantages of the PER. Households are putting more money aside, but with reduced visibility on their investments. Ramify perfectly illustrates the value of our open finance technology in the French market. By providing reliable, real-time access to PER data, we are helping to eliminate the fragmentation that further complicates savers’ lives and enabling innovative players like Ramify to offer more transparent, faster and user-centric journeys,” says Lotta Rauséus, COO and Co-founder of Insurely.

By combining Ramify’s financial advisory expertise and proprietary technology with data provided by Insurely, this partnership addresses these issues and sets a new milestone for transparency and performance in savings.

About Ramify

Ramify is a next-generation private wealth management platform based in France, offering individuals a modern, transparent and data-driven alternative to traditional private banking. Through a single digital interface, Ramify provides access to both core financial products — including life insurance, retirement savings plans (PER) and equity savings plans (PEA) — and a curated range of alternative investments such as real estate (SCPI), private equity, structured products, art and digital assets. Combining cutting-edge technology with institutional-grade financial expertise, Ramify tailors portfolios to each client’s goals, risk tolerance and time horizon.

About Insurely

Headquartered in Stockholm, Insurely was founded in 2018 with a mission to transform the financial industry by creating a more open and transparent market through innovative APIs and easy-to-use open finance solutions focused on the insurance and pension markets. Today, Insurely’s data infrastructure powers the next generation of AI-powered financial services, enabling financial institutions and innovators to create intelligent, personalised and seamless customer experiences. In 2022, Insurely raised around €20 million in a Series A funding round led by Insight Partners, with participation from Ampli Ventures, SEB and Opera Tech Ventures. Previous investors Luminar Ventures, Philian and Neptunia Invest have continued to invest in the Series A round.