★ Company Profile
Fundslink is an online investment platform headquartered in Madrid, Spain (C/ Conde de Serrallo 1), founded around 2017–2018 by José Alemany and a team of banking, securities and technology backgrounds. Fundslink operates independently of any banking institution, is licensed by the Spanish CNMV (UK Financial Markets Regulatory Authority) for investment services, and is a regulated, digital fund distribution company.
The company is positioned as an "independent asset management platform", providing high-net-worth investors and retail customers with economically transparent, easy-to-operate and low-cost mutual fund products.
★ Regulatory and Compliance Status
Fundslink holds the qualification of a financial services institution authorized by the CNMV and undertakes fund agency and distribution business. Its platform architecture follows the compliance process of investment consulting and distribution business, and customer funds do not enter the company's account, are guaranteed by third-party custody and clearing, and are monitored by banks and fund companies.
The
information disclosure provided by the platform complies with the requirements of the CNMV, and the operation process also has applicable Spanish investor protection mechanisms (such as risk warning, suitability assessment, etc.), which complies with the requirements of regulatory norms.
★ Core Products and Functions
Mutual fund distribution services: covering up to 100 selected funds, covering multiple product lines such as equity, bond, and hybrid;
Quick fund switching mechanism: Users can change fund A to fund B in real time without waiting for T+2 settlement, improving operational convenience.
Regular Fixed Investment Plan (SIP): Supports automatic deduction, no handling fees, flexible use, suitable for long-term financial management;
Intelligent asset recommendation and investment: Through a simple question-and-answer process, the combination plan that best suits individual needs is selected;
Unified payment portal: No need to reopen an account, fund purchases and redemptions can be completed through the user's existing bank.
★ Technology and platform infrastructure
Web-based online client: simple and intuitive interface, supporting PC and mobile browser access;
Self-service account opening and KYC process: Complete identity verification and compliance assessment online to quickly open an account;
Payment and settlement gateway: connect with the Spanish banking system to realize pay-as-you-go transactions;
Data security and isolation architecture: All transaction information is encrypted and stored with customer data, and customer funds are separated from the platform.
★ Core business structure
Core
operations such as fund subscription, redemption, and switching are completed in the platform and connected to the systems of fund companies and custodian banks.
The platform also plays an investment consulting role, recommending product portfolios for customers, providing periodic reminders and market information updates;
Efficient process design eliminates cross-platform operations for customers, improving user experience and transaction efficiency.
Continue to introduce new fund products and strengthen platform recommendation strategies to meet the needs of different risk appetites.
★ Customer Support and Investment Empowerment
Real-time customer service support: The platform provides online chat customer service and email support to assist with account opening, transaction operations, and process issues.
Educational content output: publish investment guides, product introductions and practical cases through the official website blog and social platforms (Instagram, YouTube);
Wealth management tool assistance: including asset portfolio comparison, subscription cost display, redemption arrangement and other practical tools.
★ Security and risk management
Third-party custody of customer funds: User funds flow directly to the custody account of the fund company, and the platform shall not misappropriate them.
Legal cycle and transparent disclosure: Orders are placed on T+0 on the trading day, and the net value settlement is completed on T+2, and customers can check the transaction status in real time.
Information security protection measures: including SSL encryption, authentication, and abnormal login prevention and control mechanisms to ensure the security of user accounts;
Investment suitability review: Conduct risk assessment and suitability assessment during the account opening and trading stages to ensure that the product matches the customer.
★ Market positioning and competitive analysis
Positioning: Independent third-party fund sales and digital investment advisory platform, not belonging to large brokerages or banks;
Target customers: for medium and high net worth customers and young financial professionals who focus on efficiency and low fees;
Core advantages:
independent and transparent, far away from the bank issuance rebate system;
instant fund switching, with bill delivery convenience;
The platform subsidizes transaction fees without additional fees.
Opponents: traditional brokerage fund channels, bank fund plans, Robo-advisor platforms, and similar Fintech platforms such as Indexa, Finizens, etc.
Differentiation: The platform emphasizes "fund light asset management", which is both professional and operable.
★ Strategic Cooperation and Ecological Expansion
Launched thematic selected funds with a number of independent fund companies;
Expand channel reach capabilities through Neobank props and fintech small and medium-sized platform interfaces.
Implement AI-driven investment advisor recommendations and robo-advisor product portfolios;
Cooperation with online payment systems and banks to support instant debits and cross-institutional investments.
★ Financial performance and business model
Source of income:
distributioncommission rebate actually owned by the fund;
Robo-advisor service fees (e.g., portfolio recommendation fees);
backend fund settlement service and API access fees;
Cost structure:
technical maintenance, fund custody, security approval and operating costs;
continuous investment in customer service and educational content;
Profit model: Relying on commission sharing and service subsidies, the platform's business model is sustainable.
★ Customer empowerment and service implementation
Intelligent recommendation model: quickly help users match suitable fund portfolios through the Q&A mechanism;
Bookkeeping/transaction reminder mechanism: automatic reminder of redemption to the account, dividend payment or conversion cycle;
Customer education system: regular online sharing, analysis of short videos and live investment psychological education;
Community Interaction Mechanism: Potentially add user forums or paid courses to enhance customer stickiness.
★ Social responsibility and sustainable development
Inclusive finance concept: use zero handling fees, small deposits and quick switching mechanisms to promote mass investment participation;
Improve the level of financial education: provide a variety of educational resources to lower the threshold for financial management;
Data and security investment: pay attention to information security and be responsible for customer rights and interests;
Promote investment ecological innovation: Revolutionize the traditional fund distribution model through robo-advisory and platform trading processes.
★ Challenges and future directions
Platform awareness and brand communication: it can strengthen industry compliance publicity, expand channel cooperation;
Product richness: introduction of overseas funds, alternative assets, ETFs or investment insurance products;
Technology deepening: Launched native apps, upgraded broadcasting systems and automated trading tools;
Customized service system: promote private banking or high-net-worth customized service modules;
Community and ecological construction: guide users to participate in Q&A interaction, curriculum system, and investment in community building;
Regulatory adaptability: Pay attention to policy trends such as EU MIFID II, MiCA, etc., and develop international business in advance.
★ Summary
Fundslink is a regulated, mature investment advisory mechanism and payment process online fund distribution platform, with the characteristics of "no handling fees, high transparency, direct connection to online banking, and secure custody", suitable for investors who emphasize convenient operation and cost efficiency. Its future challenges lie in product richness, user growth and brand influence, and if it can continue to optimize technology and services, it is expected to become a representative enterprise in the digital reform of fund channels in Spain and even Europe.
