Permisso (formerly Bankflip, legal entity Beyond the Scope, S.L.) is a Barcelona-based fintech that lets financial institutions collect consumer-permissioned data in real time by connecting, with express user consent, to Spanish public authorities such as AEAT, TGSS and Banco de España, plus AI document and payslip processing. Its products (OpenAdmin, PayslipAI, Docs AI, IDV, MagicLinks) automate underwriting, onboarding and verification for credit, mortgage, banking and insurance providers, with clients including Abanca, Bankinter, Binance, Idealista and Iberia Cards. It raised a €2.6M seed round in January 2024 led by JME Ventures and signed a partnership with Minsait (Indra) in September 2025.
SectorsFintech, Open Banking / Open Data, AI & Data, Identity Verification, SaaS / API
Start-up MapFintech › Bank & lender infrastructure
Founders
H
Honorio Marín García
CPO & Co-founder
Á
Álvaro Mancilla Moreno
CEO & Co-founder
Global models 5
PPlaid
United States · plaid.com ↗
API that pulls consumer-permissioned financial data and sells it to lenders and fintechs for underwriting, onboarding and verification.
$734MComparable
AAtomic
United States · atomic.financial ↗
Consumer-permissioned payroll and income connectivity sold to banks and lenders to automate income verification and onboarding.
$80MComparable
AArgyle
United States · argyle.com ↗
Lets lenders and mortgage providers verify income and employment in real time, with user consent, through payroll connections instead of paper payslips.
$78MComparable
PPinwheel
United States · www.pinwheelapi.com ↗
Consumer-permissioned income and employment data API sold to financial institutions for underwriting and account onboarding.
$77MComparable
BBelvo
Mexico · belvo.com ↗
Open-finance API that connects with user consent to banks and to tax authorities (SAT) and employment registries, much like Permisso's links to AEAT and TGSS, to feed lenders' credit decisions.
$71MComparable
In the same niche 16 others
See all in the Start-ups Map →
Notes: Most funded first
Investors 7
Open as list →
MMission
demium.com
JJME Ventures
jme.vc
DDraper B1
draperb1.com
E
Enzo Ventures
enzoventures.com
NNotion Capital
notion.vc
F
Fernando Cabello-Astolfi
I
Iñaki Berenguer
Funding rounds 3
·1 not counted| Date | Round | Amount | Lead |
|---|---|---|---|
| 2024-01-24 | Seed (estimated) | €2.6M incl. debt: equity and debt, the split was not disclosed |
JME Ventures
+6 more
|
| 2021-12 | Pre-seed (estimated) | €763K | Lead not disclosed |
| 2021-09 | Pre-seed | €0.1M |
Demium
+1 more
|
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