MMúltiplo Capital
Múltiplo Capital is a Madrid-based fintech operating as a CNMV-authorised independent financial advisory firm (EAF), combining an AI-powered account-aggregation platform with a dedicated human advisor for each client. It targets savers left out of private banking (from roughly €30,000 in liquid assets), charging a flat annual fee with no commercial agreements with product providers. Founded in December 2023 by Cristian Merino (ex-Finanbest, acquired by MyInvestor), it launched commercially in early 2025, raised a €950K pre-seed led by Antai Ventures alongside angels such as Fintonic's Aitor Chichetru, Rappi's Sebastián Mejía and SelfBank's Alberto Navarro, and reported over €34M under advisory in its first six months.
Profile updated 4 Sep 2026
